With mortgage rates set to rise in the near future, it’s time to start thinking about your home and finances.

Whether you are buying a new home, refinancing to take advantage of great interest rates, or repairing your credit, a mortgage broker can help you.  Your home is your biggest investment, and decisions you make about buying, renovating and refinancing should be made carefully.

Credit rating is another issue that needs to be protected.  If you have lost your job, are setting up a new business, investing more into your business, paying off credit card debt, paying for your child’s tuition or need to buy a new car, a home equity line of credit can be an incredible tool to assist you.

To get mortgage financing in Canada, you can either go to a big bank where you negotiate yourself to get the best deal you can, or you go to a mortgage broker who does the shopping for you, finds the best rate in the market and enables financing that is very difficult to get on your own.  Having access to various types of loans and a large group of lenders allows a mortgage broker to find a loan that fits your needs; at rates that are almost impossible to get on your own.  This takes away the stress of financing a new home, or refinancing your current home to gain access to the money you need to fund your dreams.

There are many mortgage brokers out there, but finding someone who can work with you to get the best deal that fits your financing needs takes a mortgage professional who is highly trained, who cares, and who knows how to negotiate to get you the best deal.  The interest rate you pay makes a huge difference over the years, and by refinancing, you can build the credit in your home more quickly, as well as save thousands of dollars.

According to the Canadian Association of Accredited Mortgage Professionals (CAAMP) over 30% of new mortgages in 2010 were obtained from Mortgage Brokers.  (CAAMP is the national organization representing Canada’s mortgage industry.) Out of over 5 million home owners who have mortgages (see CAAMP mortgage survey summary here), this is a huge number of people who have put their trust in a Mortgage Broker over a bank.

A good mortgage broker will consider your financial needs and put together the best financing package for you.  He or she will consider such things as your outstanding debt including credit cards, loans and lines of credit in order to provide a solution that will improve your cash flow, reduce your borrowing costs and most importantly, reduce your stress.  Having someone in your corner who understands all the aspects of mortgages, home equity loans, refinancing, credit rating and all the elements of financing is a key to building some financial freedom.

Since a mortgage broker is independent, he or she will protect your interests.  Sometimes it feels like the big banks care more about themselves and their profits and this can make customers feel just like a number. With a mortgage broker, you have a professional working for you to build a financing package that fits your life.

At One Stop Mortgage Corp, the mortgage broker and financing specialist team of professionals work hard to provide financing and loan packages that fit your needs.  The One Stop Mortgage team has a wide range of financial tools including:

Home Equity Loans
Debt Consolidation Loans
Property Purchases
Partial Interest Mortgages
Refinancing
Loans to help build and restore your credit
Bank turndown alternatives

With One Stop Mortgage, you gain access to a team of mortgage professionals who bring decades of experience in helping people with their financial needs, as well as the personal assistance needed to get you the BEST financing package possible at the BEST rates.  Plus, they can help with financing in BC and Alberta.

More and more people in Canada are choosing to work with a mortgage broker to get the help they need to meet their financial and credit goals.  With a simple application process that is answered quickly, as well as the possibility of an individual financing package that suits your life, why deal with the big banks on your own?

It’s time to contact One Stop Mortgage Corp and get the money you need for your life. Call them today at 1-877-874-8988 and see how they make mortgages and home equity loans simple.

Since 1994, One Stop Mortgage Corp has been providing its clients with the best mortgages and home equity or debt consolidation loans at the best rates according to each client’s personal financial situations.