- It takes a short time to know your fate. You will find out whether you have qualified for the mortgage within a maximum of 120 days.
- You can calculate your monthly payments beforehand. You also know the down payment that will be required, allowing you to make proper plans.
- The lender gets a chance to gauge your ability to pay back the loan, which increases your chances.
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MORTGAGE BROKER IN SARNIA
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Your Trusted Mortgage Broker In Sarnia
Looking for a mortgage without expert help is not easy. You have to think about several factors such as the deposit, the monthly payments, and all the other costs such as the transfer fees and interests. When you have professional brokers guiding you, it becomes easier to understand the complicated mortgage terms and processes. You will learn about all the requirements and prepare adequately for the application beforehand. You will not only increase your chances of getting approved; you will also budget properly and plan your finances accordingly. Turkin Mortgage Team in Sarnia can help you enjoy these and more. We provide top-notch services that you can rely on at any time.
License And Training
Our licensed brokers have high levels of credibility and reliability that are important in situations where the money is concerned. You can be sure that you will get the best fit from the numerous options in the market. Even though it has become increasingly harder for banks to issue mortgages, we will still do our best to get you the help you deserve. If the traditional option isn’t possible, we will use our training to venture into the private lending sector.
Our Sarnia Mortgage Brokerage Services
First-Time Buyers
Our expert brokers specialize in assisting first-time buyers in achieving their homeownership goals. We'll navigate you through the process, outlining choices and assessing expenses to discover the most suitable solution.
Mortgage Refinancing
Unlock extra funds through mortgage refinancing. We'll review your circumstances to ensure it's the right move, allowing you to begin anew with updated terms and rates.
Mortgage Renewal Guidance
Take control of your financial situation with a renewal contract. Contact our mortgage brokers three months in advance to secure the best deals and lowest rates available from lenders.
Private Mortgages
When traditional lenders fall short, private mortgages come to the rescue. With a focus on property value rather than credit scores, they serve a wide range of borrowers and streamline the process.
Second Mortgage
Access up to 90% of your home's value with a second mortgage. Minimize risk by evaluating properties and selecting trustworthy brokers who safeguard your home offered as collateral to lenders.
Self-Employed Mortgage
With 15% of Canadians self-employed, stringent income verification poses hurdles for mortgage approval. Understanding these challenges, we offer tailored mortgage solutions designed for self-employed individuals.
Construction Financing
Building your dream home demands commitment and financing. Typically, down payments range from 25-35%, requiring thorough planning. Our construction financing options cater to contractors and homeowners, featuring a 15% contingency fund to address potential risks.
HELOC
HELOC offers flexible financial solutions, granting access to up to 65% of your home's equity at low-interest rates. However, responsible fund management is essential to avoid overspending and the risk of losing your home.
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Why Us
Smooth Processes
The mortgage application process can be tricky, especially when you are doing it for the first time. Our agents are great at what they do, which is why they simplify the mortgage acquisition process. It starts with a proper understanding of your needs and taking an approach suitable for them. If you want the money to increase your stock, you will need a different mortgage from someone that needs funds for constructing a new house. The ability to separate each need is one of the factors that make our brokers great.
Unlimited Options
Different mortgage lenders offer various terms and conditions. Even traditional lenders that are restricted by universal regulations need to have features that set them apart. Looking at the specific factors that each lender provides is essential in getting the best deals. We can help you compare the deals by checking out various offers from multiple lenders instead of a few limited options. Whether you are interested in getting a loan from banks or private lenders, our experience will come in handy.
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Mortgage Offers
...pick the one thats right for you.
Featured Mortgage Rates
construction mortgage
starting from
6.45%Heloc
| Term | Rate |
|---|---|
| HELOC | 6.45% (Prime rate) |
Fixed
| Lender | Rate | Term |
|---|---|---|
 Lendwise |
4.19% | 5 year |
 First National Financial |
4.44% | 4 year |
 RMG Mortgages |
4.44% | 3 year |
 Street Capital Bank |
5.34% | 2 year |
 TD Bank |
4.84% | 1 year |
Variable
| Term | Rate |
|---|---|
| 5 year variable | 5.3% (Prime - 1.15%) |
| 3 year variable | 5.6% (Prime - 0.85%) |
OTHER
| Term | Rate |
|---|---|
| Line of Credit | Starting at 7.2% |
| Equity Loans | Starting at 6.5% |
| Private Mortgages | Starting at 5.99% |
Turkin Mortgage Brokers Sarnia
FAQs on Mortgages In Sarnia
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What Does It Mean To Take Mortgage?
It means getting a loan against your property. You will have a contractual agreement with a lender stating the amount of money you have borrowed, the time you will take to pay it, the amount you’ll be paying regularly, and other essential conditions for the loan.
Since you’ll be using your property as collateral, the lender will have the right to sell it if you don’t pay back the full amount.
Benefits Of Hiring Our Mortgage Brokers In Sarnia
Simplified Mortgage Refinancing
Mortgage refinancing is complicated. Most people often overlook the intricate details and end up enduring more costs that are avoidable. It’s essential to consider future possibilities such as the inability to keep up with payments due to increased financial obligations. Think about how you will deal with penalties in such a situation and the possibility of losing your assets. With Turkin Mortgage brokers, you will have extensive knowledge that will allow you to consider all the possibilities, and make the best decisions. We understand that refinancing a mortgage is not ideal for everyone, so we will do our best to help you find out if it’s a suitable option for you.
Tailored Services For Your Exact Needs
Having a service provider that doesn’t offer solutions that are customized for your personal needs can be frustrating. To avoid this, we usually have a meeting with our clients to understand their financial objectives. We then compare those objectives with the mortgages that apply to their situation. We look at the conditions such as amortization, all applied interests, and all fees you’ll have to pay, then choose a mortgage that has the most benefits for you.
Faster Solutions
Turkin Mortgage brokers are here to ensure you don’t waste your time and money. You don’t have to worry about cons or a tiresome search for the right mortgage. The variety of connections we have work for everyone, including the self-employed and home builders. By giving you mortgage solutions that work, we not only help you save money, we also save you a lot of time.
Options For Residential And Commercial Investors
Commercial mortgages are generally riskier than residential mortgages, but that does not mean that you cannot get one that solves your financial woes. We can still help you get some of the best terms and reduce the risks involved. Our duty to our clients also pushes us to do the same for those seeking residential mortgages. We will help you balance all the property costs to ensure you get a befitting mortgage.
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Are There Multiple Choices For Repayment?
Yes. You can either pay back the loan before the term without risking penalties or wait until the term to complete the payments. Both potions offer flexibility, allowing you to make payments according to your financial status.
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What Are The Advantages Of Getting Pre-Approved For A Mortgage?
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Does It Make A Difference To Choose A Variable Or Fixed Interest Rates?
Yes. You can either pay higher interest but enjoy the stability of knowing what your monthly payments are, or enjoy lower interest and endure the uncertainty of knowing your next payment.
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Is There A Stipulated Amount For The Down Payment?
Your down payment should never be less than 5%, but an ideal amount is 20%. You can always use other sources such as Mortgage Default Insurance to reduce the mortgage and the subsequent payments you’ll make.
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What Are The Closing Fees?
They are the amount you spend to finalize the purchase of a property. The fees range between 2% and 4% of the purchase price. They can be in the form of appraisals, inspections, taxes, legal fees, or utilities.
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What Documents Will The Mortgage Lender Ask Me To Bring?
Documents showing your income, your properties, and proof of the agreement to purchase the property are all important. Other documents you may need are MLC listing, proof of down payment, and building plans.
Our brokers are licensed, reputable, and experienced. Call us today, and we will assist you in getting the mortgages you need. We will also explain all the technical terms such as amortization, Loan to Value Ratio, mortgage loan insurance, and down payment, among others.
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Henry Wright
Was looking for a mortgage broker in Toronto. Heard about Leon and his team from a co worker and decided to give them a call. after some time on the phone talking about mortgages and what would work best for me I was VERY impressed. They were polite and most importantly they knew what they were talking about. We then scheduled an appointment and I got my mortgage with a great rate. Definitely recommend.
Gina Carroll
Got tired of sow service and mediocre rates from my bank, so I started looking for a mortgage broker. Had some family friends recommended Leon and his team, so decided to check them out. Was very impressed with Leon, he guided me through step by step, recommended a mortgage and I ended up switching to him. My rate is better and he always answers call and emails right away.
Wilton Marble
A little while back my wife and I finally decided to stop renting and get a place of our own. After some searching we found a condo we both liked and that was in our price range. The next step was a mortgage, but honestly, neither of us knew too much of what we were getting into. We found Leon and his team after a quick search on google and have had a wonderful experience. Leon and his team of mortgage brokers are VERY knowledgable, polite, work fast and just all around very professional. They answered all our questions and we got a great rate.
Afton Jaskolski
Getting a private mortgage was not easy to be honest, but at least with Mr. Leon it was doable. Thank you for your help!
Wendy Langdon
Going through with this company was my best decision. These Burlington mortgage brokers are real professionals. They helped me to save thousands of dollars, I'm not sure I'd find such a good offer myself.
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