Mortgage preauthorization: get the assurance to conduct your transaction
Designed to allow you to target properties on the market that fit your budget, getting a mortgage preauthorization is strongly recommended when buying a house. With this certificate in hand:
- You become a more serious buyer
- You show you’re prepared
- You prove that you are committed to purchasing a house
Improve your bargaining power!
Getting preauthorized is easy and doesn’t mean you’re locked into anything. It also increases your bargaining power when meeting with brokers and sellers. Through a partnership with Planiprêtour partners, we will be by your side at every step of the process. Preauthorization will also give you an edge by:
- Demonstrating your seriousness
- Adding value to your financial capacity
- Saving you time
- Narrowing down your search
Mortgage rate: banking on the best rate thanks to your representative
Did you know that we play a key role in getting you the best mortgage rate possible? Our partnership saves you from submitting applications with several banks. Working with an advisor, you benefit from:
- Our direct access to lenders
- Our bargaining power, ensuring you’ll get a fair rate
- More flexible solutions than with a financial institution
Since many institutions don’t openly disclose the restrictions preventing you from refinancing, we assure that we will go over the intricacies of all contracts with you in detail.
Mortgage strategy: several options for your benefit
Our partnership with Planiprêtour partners enables us to assess your current and prospective needs to implement the right mortgage strategy. An analysis of your financial availability will determine which strategy will benefit you the most following a specific event:
- Birth of a child
- Purchase of a triplex
- Entrepreneurial endeavour
Moreover, we can compare rates on credit cards, loans, etc. in order to determine if you can pay off your mortgage more quickly or not. Depending on your projects and your needs, we will apply our expertise to establish a mortgage strategy that will benefit you over the short and long term.
Do the things that matter to you
Because life is often unpredictable, you may find yourself needing financing for an unexpected expense or a project. To reborrow the principal paid on a mortgage loan, a number of factors must first be assessed to determine your eligibility. Our professionals are best positioned to guide you through the process so that you can obtain the liquidity you need for what life brings your way. As your mortgage rate is often lower than the rates of your other loans, you can consider using this financial service to consolidate your loans.
Our refinancing solution can be a beneficial option as it can also be used to pay off your credit cards, contribute to your RRSP or renovate your home. Thinking about buying real estate? Refinancing may provide you with the funds you need at a lower cost. Contact us so we can find the best way for you to refinance your home.