At Best Mortgage Loans our role is to educate and assist the home buyers in the home financing process. We have access to a wide variety of mortgage lenders and products to help us determine the best solution for you! With competitive mortgage rates and personalized advice we are experts at helping you achieve your home ownership dreams!
Best Mortgage Loans works with the best lenders in the business, whether they are local Hamilton lenders, national banks, or international institutions. We also have years of experience, so we know which lenders to work with for your particular situation. As a result, you can trust Best Mortgage Loans to get you the best mortgage rate.
Best Mortgage Loans works with the best lenders in the business, whether they are local Hamilton lenders, national banks, or international institutions. We also have years of experience, so we know which lenders to work with for your particular situation. As a result, you can trust Best Mortgage Loans to get you the best mortgage rate.
Services
First Time Home Buyers
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Without the proper guidance purchasing your first home can be an intimidating task. This is why we feel it is important to educate and provide you, a First Time Home Buyer, with the information and resources that you need, in order to feel confident when making an offer.
The Home Buyers Plan allows first-time buyers or eligible individuals to withdraw up to $25,000 TAX FREE from their Registered Retirement Savings Plan (RRSP) to purchase or build a qualifying home.If you buy land in Ontario, you must pay Ontario's land transfer tax. However, if you have never owned a property in your lifetime you qualify for the Land Transfer Tax Rebate.
The Home Buyers Plan allows first-time buyers or eligible individuals to withdraw up to $25,000 TAX FREE from their Registered Retirement Savings Plan (RRSP) to purchase or build a qualifying home.If you buy land in Ontario, you must pay Ontario's land transfer tax. However, if you have never owned a property in your lifetime you qualify for the Land Transfer Tax Rebate.
Pre-Approvals & Rate Locks
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Getting a mortgage pre-approval is a crucial step in the home buying process. A pre-approval is meant to provide you (the potential borrower) with a realistic idea of the amount of mortgage funds you would qualify for. With a pre-approval comes a 'rate lock' or 'rate hold'. A rate lock is a commitment issued by the lender which secures an interest rate for a 90-120 day period (depending on the lender).
Refinancing / Debt Consolidation
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There may come a time in life when you need extra funds. It could be for a child's tuition, or home renovations. You may need cash for an investment opportunity, to purchase a vehicle, or even for the down payment on a second property. And sometimes the savings account just doesn't cut it. Mortgage refinancing can be a good solution, and Best Mortgage Loans can help.
Renewals & Transfers
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While most first time buyers' spend a great deal of time 'shopping' for their initial mortgage, the same cannot be said when their mortgage term is up for renewal. According to reports, nearly 40% of mortgage holders sign back the renewal agreement offered by their existing lender without even considering what other options may be available to them.
Investment / Rental Properties
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Our team of experienced mortgage brokers have helped hundreds of borrowers with the purchase or refinance of an investment property. Unlike a mortgage on your principal residence, financing an investment is a little more complex. For starters, the number of units the property has and whether or not you'll be living in one of the units are two major factors in determining your financing options.
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