10 Great reasons to use a Mortgage Broker

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1. Get independent advice on your financial option

As Independent Mortgage Brokers and Mortgage Associates, we’re not tied to any one lender or range of products. Our goal is to help you successfully finance your home or property. We’ll start by getting to know you and your homeownership goals. We’ll make a recommendation, drawing from available mortgage products that match your needs and we will decide together on what’s right for you.

2. Save time with one – stop shopping

It could take weeks for you to organize appointments with competing moretgage lenders – and we know you’d probably rather spend your time house-hunting! We work directly with over 30 lenders and we can narrow down a list of those that suit you best. It makes comparison-shopping fast, easy and convenient.

3. We negotiate on your behalf

Many people are uncertain or uncomfortable negotiation mortgages directly with their bank. Brokers negotiate mortgages each and every day on behalf of Canadian homebuyers. You can count on our maket knowledge to secure competitive rates and terms that benefit you.

4. More choice means more competive rates

We have access to the Mortgage Centre Network in Canada, so your options are extensive. In addition to traditional lenders, we also know what’s being offered by Credit Unions, Trust Companies, and other sources. We can help you take care of other requirements before your closing date, such as sourcing mortgage default insurance if your downpayment is less that 20% of the purchase price.

5. Ensure that you’re getting the best rates and terms

Even if you’ve already been pre-approved for a mortgage by your bank or another financial institution, you’re not obliged to stop shopping! Let us Investigate to see if there is an alternative product to better suit your needs.

6. Get access to special deals and add-ons

Many financial institutions would love to have you as a client, which is why they often offer incentives to attract creditworthy customers. These can include free appraisal, cash back etc…

7. Thins move quickly!

Our job isn’t done until your closing date goes smoothly. We’ll help ensure your mortgage transaction takes place on time and to your satisfaction.

8. Get expert advice

When it comes to mortgages, rates, and the housing market, we’ll speak to you in plain language. We can explain the various mortgages terms and condtions so you can choose confidently.

9. No cost to you

There’s absolutely no charge for our services on typical residential mortgage transactions. How can we afford that? Like many other professional services, such as insurance, mortgage brokers are generally paid a finder’s fee when we introduce trustworthy, dependable customers to a financial Institution. These fees are standard and nearly industry-wide so that the focus remains on you, the customer. The Mortgage associate only gets paid once the transaction has closed with the lender.

10. On going support and negotiation

Even once your mortgage is signed and paperwork is complete, we are here if you need any advice on closing details or even future referral needs. We are happy to be of assistance when you need it.



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About Sky Financial

We incorporated The Mortgage Centre-Sky Financial Corp. in August 1992 in Edmonton Alberta. Furthermore we opened offices in Fort McMurray, Cold Lake, Grande Prairie, Red Deer, Stettler, Saskatoon, Moose Jaw and Prince George BC.

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