BUYING

Buying a home can be exciting and frightening all at the same time, so finding the right mortgage product and rate that fits your needs is important. The professional Mortgage Advisors at One Link Mortgage will guide you through the home buying process step by step. Our service is personalized and tailored to meet your specific needs.

The first and most important decision that a home buyer can make is to get pre-approved to purchase. When you are pre-approved, it means a lender has looked closely at both your credit report and your income and has provided a written confirmation of your mortgage pre-approval, an interest rate hold (up to 120 days), subject to CMHC/Sagen/Canada Guaranty approval or a satisfactory appraisal of the property. You will be able to show that you are a serious buyer and go home shopping with confidence.

REFINANCING

Refinancing a mortgage means paying off your existing mortgage and replacing it with a new one. A homeowner may refinance their mortgage to obtain a lower interest rate, to consolidate debt, to switch from an adjustable-rate-mortgage to a fixed-rate one or to free up some of the equity in the home for renovations or major purchases. A lot can change in a year - especially in a year of your mortgage. It is important to have a competent mortgage advisor review your personal situation and compare all of your refinance options. Contact the experts at One Link Mortgage to find out if refinancing is the right option for you.

RENEWING

A mortgage renewal is a new agreement to extend or renew your current mortgage. It is important to know that you should not automatically sign any mortgage renewal form that is sent to you. A great deal may have changed in your personal financial situation, with mortgage products or interest rates since you first obtained your mortgage. The product that was the right fit for you five years ago may not be now. Not knowing what your options are could cost you thousands if not tens of thousands of dollars in extra interest and fees. Our best advice is to contact a mortgage advisor and start researching the renewal of your mortgage early. We will provide you with quality information and help you to make an informed decision about your mortgage.

One Link Mortgage & Financial meets or exceeds all privacy standards established by industry guidelines, provincial legislation, the federal Personal Information and Electronic Documents Act and all other applicable laws.

Our service is FREE (O.A.C.) for mortgage placement (we are paid a fee by the lender upon the funding of the mortgage). Fees may be applicable for other financing vehicles arranged, e.g. consolidation loans or other credit facilities, but any fees would be disclosed in full to you before you commit to the financing.