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Your Trusted Mortgage Broker in Guelph

Certified Mortgage Broker in Guelph

Do you need a mortgage for your first home or a second mortgage? We can help. At Certified Mortgage Brokers we are committed to making it easy for aspiring homeowners to find the mortgage they need fast and hassle-free. Our mortgage broker in Guelph is happy to go the extra mile to find you a mortgage that is perfect for you.

Your Trusted Mortgage Broker

We are not in the business of forcing you to pick loans that don’t fit your needs. As the best mortgage broker in Guelph, we offer the most comprehensive real estate services to help you find and purchase your dream home. Hundreds of clients trust us to help them find the best mortgage deal. Call us today and give us a chance to earn your trust.

Why choose Certified Mortgage Broker in Guelph?

We Make Your Closing Hassle-Free

Ever since we opened our doors for business, our commitment has always been to offer you the best expertise and experience when applying for a mortgage. Our mortgage broker in Guelph will help you find the mortgage that best fits your needs.

We Help You Find the Best Mortgage Rates Out There

Legislations in Canada have made it harder for people to buy a home. Our team will help you navigate the complex terms and conditions included in a mortgage as well as help you find the mortgage provider that offers the best rates. We have a huge portfolio of lenders. This enables us to find a mortgage that is perfect for your situation.

We are Experts at Mortgage Refinancing

Mortgage refinancing enables you to consolidate your debts. All in all, the process can be complicated. Our mortgage broker in Guelph will help you understand if mortgage refinancing is suitable for you. If it is, we will help you find the best mortgage refinancing provider, negotiate the terms and help with the transfer of money and debts.

We Offer You Personalized Services

To offer our clients the most personalized services, we always start by discussing your financial goals to understand the type of mortgage that you need. Our mortgage broker then shops around for the best combination of fees, interest rates and terms & conditions. We always provide you with several mortgage options for you to pick from.

At Certified Mortgage Brokers we have a duty of care when it comes to advising you on mortgages and loans. Our team is fully licensed and trained to offer unbiased advice.

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We Help You Save Time and Money

As a professional mortgage brokerage in Guelph, you can always count on us to save you both time and money. We do this by giving you access to our huge pool of lenders. Our team will help you get pre-approved as well as find the mortgage that is the best fit for you. Our healthy relationship with several lenders in Canada helps us get you the best deal for your circumstances.

We use our knowledge and contacts to find you a loan that is structured to your specific requirements. Our services are particularly ideal if you were recently turned down by banks. We make applications to several lenders until we find one that offers the best-structured mortgage.

Services We Offer

First-time buyers

Our mortgage broker in Guelph will calculate how much you can afford based on your income, spending and debts. We are committed to helping you get a mortgage that is perfect for you.

Mortgage Refinancing

With us, you can always count on a hassle-free experience when searching for the best mortgage refinancing option in Guelph. We are also happy to advise you on whether to refinance your current mortgage or not.

Mortgage Renewals

When the mortgage term comes to an end and you haven’t cleared the loan, you have to renew the term. Our mortgage broker will help you renegotiate the terms and conditions to your liking. We will help you reduce or increase repayments, get you variable or fixed interest rates or renegotiate the prepayment penalties.

Private Mortgage

If you have been turned down by banks or simply need quick funding, we can help. At Certified Mortgage Brokers we are committed to making it easy for you to find the best private lender, help you get the best terms and conditions as well as secure your desired loan super-fast. Private mortgages are perfect for people who are self-employed, those with a less than perfect credit score, persons with unconventional properties that banks will not touch and anyone in need of a second mortgage for debt consolidation, investments or renovations.

Second Mortgage

There is no better team to help with a home equity loan than our mortgage broker in Guelph. We will help with the market valuation of your property; calculate the amount you qualify for as well as help you find the private lender that offers the best deal.

Self-employed (mortgages)

When you are self-employed, lenders believe your income is unpredictable or harder to prove. That is why most self-employed borrowers are often turned down. Our team will help you provide your income as well as find a private lender that offers you the best terms. Get in touch with us now to find out more.

Construction Financing

When you want to build your own home from the ground up or purchase a property that is part of new development, you will need construction financing. It is easier to get a residential mortgage than it is to get construction financing. Our team is here to guide you through the process and increase your chances of securing construction financing and at the best terms.

HELOC

HELOC (Home Equity Line of Credit) is a loan that is secured against your home equity. The loan gives you a practical way to reduce the cost of your debt. The duty of our mortgage broker in Guelph is to help you find the best HELOC and negotiate the best terms and rates for you. Our healthy relationship with several loan providers enables us to save you thousands of dollars when applying for a HELOC.

Google Reviews

Certified Mortgage Brokers
5
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Sean Hammond
2019-08-29

I had to port a mortgage to a new condo, Leon had excellent knowledge to get me through the approval process. When the bank made an error, Leon was quick to contact them to make sure everything was done right and on time. He is very professional and courteous and I recommend his service to anyone who wishes to apply for a mortgage.

Ronald McDonald
2019-08-27

Giving them 5/5 stars. Massoud helped me with my mortgage and he never missed a beat. He made the process very straightforward as a first time home buyer. Shopped around for other mortgages but he was always the first to get things for me. Highly recommend him

Shannon Jones
2019-08-23

I was looking to renew my mortgage and my previous lender was less than willing to do anything to keep my business. So I started to look for another brokerage to do business with and Certified Mortgage Broker stood out purely based on my interactions with Massoud. Massoud was professional and clearly had a keen sense of customer service; which I make a high priority when doing business with anyone since I'm in the customer service business myself. Peter rolled out the red carpet for me, walked me through my options, inquired about my plans with my current property, give me opinions and facts about rentals in the area, sales/purchases. In some respects he gave me more information about real estate than my real estate agent has!

Glen Plummer
2019-08-20

Selling and buying a home is a stressful experience and Leon with CMB in North York took all of the stress out of arranging the financing. He was very professional and clear about what I needed to provide to him. He used this information to arrange the best mortgage option on our new home, arranged the bridge loan to cover the closing period differential, and arranged closing out the mortgage with the previous lender.. Our experience with Leon is far better than the local in-person brokers that we contacted previously and Leon has helped us with a mortgage renewal in the past with the same excellent experience.

Colleen Power
2019-07-31

Leon returned my called from a missed call within 15 minutes of my call and I left no message. Leon and his team were fantastic. Even with the money issues we had Leon made me feel important and valued as a person.

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Certified Mortgage Broker Guelph

Commonly asked questions about mortgages in Guelph

What is a mortgage?

Mortgages are property loans. They include an agreement between the borrower and the mortgage provider which contains the terms & conditions of the loan. The mortgage provider holds the property being purchased by a borrower as collateral against the loan. The amount borrowed is the principal.

How Much Do I Need for the Down Payment?

The amount of down payment depends on the cost of your property. While the minimum down payment is 5%, if you pay a down payment of less than 20% you will be required to buy a mortgage default insurance. The down payment is dedicated to the price of the home and the mortgage covers the balance. Making a large down payment will save you money.

What Mortgage Payment Choices Do I Have?

You typically have two repayment options:

  • Open mortgage repayment plan: With this plan, you can clear your loan at any time within the term of the mortgage. A fixed-rate is often offered when the mortgage term is 6 to 12 months. For a term of 3 to 5 years, you will get variable interest rates. The best thing about open mortgage repayment plans is flexibility. The drawback is the high-interest rates.
  • Closed mortgage plan: Payments for this mortgage are made as per the terms outlined in the agreement. Paying the mortgage in full early can result in penalties. The benefit of a closed mortgage plan is low-interest rates.

What are the Benefits of a Pre-Approved Mortgage?

  • Save time and effort since you only focus on properties that you can afford
  • Helps with budgeting because you will know upfront how much the down payment and monthly payments will be
  • Sellers take you more seriously because you can access the money
  • Pre-approval is valid for 60, 90 or 120 days and attracts no obligations or costs
  • Terms You Should Know When Closing a Mortgage

    • Amortization: Length of time it takes to pay the mortgage off
    • Appraisal: Professional evaluation of the value of a property
    • Deposit: Payment made to secure a piece of property
    • Down payment: The amount a buyer has to pay from his own pocket for the property
    • Home inspection fee: Cost of inspecting the structural integrity of a property
    • Loan to value ratio: Size of mortgage measured against the value of property
    • Prepayment option: An option in a closed mortgage that enables you to make specific early payments against the principal amount
    • Property transfer tax: Tax due when a property is transferred to another owner
    • Mortgage loan insurance: Insurance a buyer has to pay when their down payment is less than 20%
    • Term: The timespan of a mortgage agreement. You can renew the term or find a new mortgage when it comes to term

    Fixed Vs. Variable Rates

    Fixed interest rates remain the same throughout the term of the mortgage. As a result, the rates are higher but as a buyer, you benefit from the stability of knowing how much you will be paying each month. When on a tight budget, a mortgage broker in Guelph will recommend this option.

    Variable interest rates are linked to the prime interest rates. They move up and down along the prime rate. They are less expensive.

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