Mortgages Simply Designed for You

tanya

TANYA ROGALCZYK

Tanya came from Ontario many years ago. She is a wife and mom to 2 boys. Her family stays very active with hockey in winter and golf in the summer. Tanya has been in the financial industry for over 20 years. With extensive knowledge of the mortgage market, she aims to put her client’s needs first to make the mortgage process as simple as possible.

PHONE: (403) 506-3106

SOCIAL:

Why would I use a
Mortgage Broker?

No cost to use us - WE ARE PAID BY THE LENDERS

MORE CHOICE MEANS MORE COMPETITIVE RATES

ACCESS TO SPECIAL DEALS AND ADD-ONS

ENSURE YOU'RE GETTING COMPETITIVE RATES AND FAVOURABLE TERMS.

INDEPENDENT ADVICE ON YOUR MORTGAGE OPTIONS

THINGS MOVE QUICKLY!

WE NEGOTIATE ON YOUR BEHALF

Step 1 • Connect with a
mortgage broker.

It’s a great idea to connect with a broker because they:

  • Have access to over 50 banks and lending institutions
  • Save you time by shopping around to get you the best products
  • Provide you with a mortgage solution that meets your needs

Step 2 • Select your
Mortgage Solution

Mortgages are complex, your broker can inform you about:

  • Open vs. closed mortgages
  • Fixed vs. Variable Interest
  • Amortization and term
  • Payment amount and frequency
  • Penalties & restrictions
  • Additional products

Step 3 • Calculate your budget

Trying to find out what you can afford? Your broker can help you:

  • Finalize your down payment amount
  • Use your RRSPs in your down payment
  • Establish your purchase price and the total mortgage amount
  • Learn tips and tricks to reduce the amount of interest you pay
  • Consider closing costs, insurance, land transfer tax and legal fees

Step 4 • Purchase &
Approval

Time to buy! During this process your broker will:

  • Submit your mortgage application
  • Obtain your pre-approval
  • Support your home purchase and mortgage finalization
  • Submit all relevant documentation for approval

4 easy steps to home ownership

HOW A MORTGAGE BROKER CAN SIMPLIFY THE HOME BUYING PROCESS.

Don’t shy away from that fixer-upper!

Here are 5 easy steps to a purchase plus improvements mortgage
A PURCHASE PLUS IMPROVEMENTS MORTGAGE, ALLOWS QUALIFIED PURCHASERS TO BORROW UP TO 20% OF THE POST-RENOVATION VALUE OF A HOME, EVEN WITH AS LITTLE AS 5% DOWN

Step 1

Obtain a mortgage pre-approval from your mortgage broker, to determine your maximum approval amount.

Step 2

You must find a house and have a general idea of what renovations need to be done as well as the cost of the renovations. The purchase price plus the renovation cost cannot exceed your maximum approval amount.

Step 3

Once your offer is accepted, provide the accepted offer, as well as the quotes for the work to be done to your broker. He/She will have the lender approve the mortgage with the cost of the renovations included in the mortgage.

Step 4

Once you take possession of your home, you can begin the renovations. The Lender will instruct the Solicitor to hold the additional Renovation funds, until the lender confirms the work has been completed. Once the renovations are completed, notify your broker and they will send out an appraiser to complete an inspection to verify the work is completed as per the quotes that were provided.

Step 5

The lender will receive the inspection report from the appraiser, and validate that the work has been completed in a good manner and as per the quotes provided. They will instruct the lawyer that they are able to release the funds to you, to pay the contractor.

ACHIEVE YOUR GOALS

Discuss your financial situation and home ownership goals to make sure you are on track. You can make changes to your mortgage (payment frequency and payment amount) if they will better help you achieve your home ownership goals.

REDUCE YOUR DEBT

Consolidate your high interest debts by rolling them into your mortgage and using your savings to increase your cash flow or put towards another need.

START INVESTING/RENOVATING

Tap into your home equity to consolidate debt and complete a home renovation project or purchase a vacation/investment property.

It’s time for your Annual Mortgage Review

There are many reasons to use a mortgage broker but one key reason is having peace of mind knowing our services don’t end after your deal is closed. Access to your broker for trusted advice lasts beyond the duration of your mortgage term.

There is no reason to wait until your mortgage renewal date to consult your broker.

Take advantage of an Annual Mortgage Review to assess your options and plan your next steps.