Looking to buy your first home or negotiating your current mortgage, we have a great solution for you. The BestRateGuys.com team is now offering a 5 year fixed rate for only 3.69%. Don’t wait; contact us today to secure this amazing rate. Call us toll-free @ 1-866-728-3033 or apply online. Locking into a fixed rate guarantees the same monthly mortgage payment each time. Have the security of knowing what amount you have to pay each month and the peace of mind knowing that you negotiated an amazing rate for your mortgage with The BestRateGuys.com.
It's about a choice
The BestRateGuys.com provides Canadian homeowners with access to the hundreds of mortgage products available through Canada's many banks, trusts,
credit unions and Mortgage Companies. Typically our services are free of charge, AND YOU, our customers can select from the best mortgages, at the best
rates, available in the marketplace! You should insist on expert advice AND professional service. A typical Financial Institution will provide you with
information on the mortgage products THEY sell; while we will help you decide which Financial Institution, and which mortgage OFFER, is the best one for you.
It's about making the right decision
More and more Canadians are discovering that the best mortgage decision they can make is to choose to work with us.
Take the next step now and contact us to ensure you receive expert and unbiased advice - and the
professional service you deserve.
Start now. Apply online, in person or by phone @ 1.866.RATE.033 and let us help get you into
the home of your dreams.
The BestRateGuys.com lowest rate guarantee is our commitment to find you the lowest possible Canadian fixed mortgage rate in terms of your situation. If we can't at least
match an offer made another financial institution we will give you a $50.00 gift card just for giving us a try. Really, what have you got to loose? Call us
today to discuss your mortgage options. See terms and details of $50.00 give away offer.
Interested in learning more about mortgages? Subscribe to our news and articles blog on our website.
This will give you up to date mortgage information brought directly to your email inbox.
Although there are no longer 0% down payment mortgages in Canada, there are still lenders that offer a cash-back of up to 5% essentially giving you 100% financing. The guidelines for Canadian mortgage have been changing and it can be difficult to get exactly what you want, but The BestRateGuys.com team can arrange a 5% cash-back mortgage that you can use for your down payment. With close connections with over 50 lenders we always find the best solution in terms of your situation. If you have been thinking about buying your first home but can’t seem to save up enough for your down payment, we can help. Contact us online, by telephone @ 1-866-728-3033 or apply now online. Make your dreams a reality with The BestRateGuys.com
Deciding on the type of mortgage interest plan is one of the most important decisions a home buyer will make. Your choice of mortgage plan can save you tens, even hundreds of thousands of dollars over the life of the mortgage. While we offer the best rates in the industry, obtaining the lowest rate does not guarantee the lowest total cost. You also need to consider the following:
Are you obtaining the right term based on your plans and objectives?
Should you choose a fixed rate or variable rate mortgage?
Does it have the right features - portability, assumable, prepayment, etc.?
Is it tax efficient? Can you make your mortgage tax deductible?
Is it better to go for a lower interest rate or lower payments?
There are many lenders in Canada each offering different rates, terms and features, you need a mortgage broker who will guide you through the maze of mortgage products. Let me analyze your financial situation and objectives so you obtain the best value for your mortgage. Get great rates and build wealth through your mortgage. If you know what you are looking for, Apply today!
OAC and subject to change without notice. Last updated: January 30th, 2011
It's about a choice
The BestRateGuys.com provides Canadian homeowners with access to the hundreds of mortgage products available through Canada's many banks, trusts,
credit unions and Mortgage Companies. Typically our services are free of charge, AND YOU, our customers can select from the best mortgages, at the best
rates, available in the marketplace! You should insist on expert advice AND professional service. A typical Financial Institution will provide you with
information on the mortgage products THEY sell; while we will help you decide which Financial Institution, and which mortgage OFFER, is the best one for you.
It's about making the right decision
More and more Canadians are discovering that the best mortgage decision they can make is to choose to work with us.
Take the next step now and contact us to ensure you receive expert and unbiased advice - and the
professional service you deserve.
Start now. Apply online, in person or by phone @ 1.866.RATE.033 and let us help get you into
the home of your dreams.
The BestRateGuys.com lowest rate guarantee is our commitment to find you the lowest possible Canadian fixed mortgage rate in terms of your situation. If we can't at least
match an offer made another financial institution we will give you a $50.00 gift card just for giving us a try. Really, what have you got to loose? Call us
today to discuss your mortgage options. See terms and details of $50.00 give away offer.
Interested in learning more about mortgages? Subscribe to our news and articles blog on our website.
This will give you up to date mortgage information brought directly to your email inbox.
It's about a choice
The BestRateGuys.com provides Canadian homeowners with access to the hundreds of mortgage products available through Canada's many banks, trusts,
credit unions and Mortgage Companies. Typically our services are free of charge, AND YOU, our customers can select from the best mortgages, at the best
rates, available in the marketplace! You should insist on expert advice AND professional service. A typical Financial Institution will provide you with
information on the mortgage products THEY sell; while we will help you decide which Financial Institution, and which mortgage OFFER, is the best one for you.
It's about making the right decision
More and more Canadians are discovering that the best mortgage decision they can make is to choose to work with us.
Take the next step now and contact us to ensure you receive expert and unbiased advice - and the
professional service you deserve.
Start now. Apply online, in person or by phone @ 1.866.RATE.033 and let us help get you into
the home of your dreams.
The BestRateGuys.com lowest rate guarantee is our commitment to find you the lowest possible Canadian fixed mortgage rate in terms of your situation. If we can't at least
match an offer made another financial institution we will give you a $50.00 gift card just for giving us a try. Really, what have you got to loose? Call us
today to discuss your mortgage options. See terms and details of $50.00 give away offer.
Interested in learning more about mortgages? Subscribe to our news and articles blog on our website.
This will give you up to date mortgage information brought directly to your email inbox.
Let us show you how to use the equity you’ve already built in your home to pay off high interest credit card debt, and loans or help pay for your children’s education college or university education.
Don’t wait to make your dreams come true.
Are you considering a new car, a pool or maybe renovating your home. Let us show you how easy and economical it is to make some of those dreams come true while still being financially prudent.
Pay off your mortgage sooner.
If your goal is to pay off your home sooner…let us show you how!
By using The BestRteGuys.com team you can be confident that we will help you find the right financial solution to meet your specific needs.
Don’t wait. Contact us online, in person or by phone and let us help you achieve your financial dreams and goals…the timing has never been better!
Take the next step now and contact us to ensure you receive expert and unbiased advice - and the professional service you deserve.
Start now. Contact us online, in person or by phone or apply online and let us help get you into the home of your dreams.
Professional advice you can rely on.
Buying your first home should be one of the most rewarding experiences in your life. In today’s marketplace you have hundreds of options and competing financial alternatives to choose from. The process is complicated and at times can seem very confusing. Let us help you simplify that process. By using The BestRateGuys.com team you can ensure you are fully informed and making the right decision.
It’s about a choice
The BestRateGuys.com team can provide Canadian homeowners with access to the hundreds of mortgage products available through Canada’s many banks, trusts, credit unions and Mortgage Companies. Typically our services are free of charge, AND YOU, our customers can select from the best mortgages, at the best rates, available in the marketplace! You should insist on expert advice AND professional service. A typical Financial Institution will provide you with information on the mortgage products THEY sell; while we will help you decide which Financial Institution, and which mortgage OFFER, is the best one for you.
It’s about making the right decision
More and more Canadians are discovering that the best mortgage decision they can make is to choose to work with us.
Take the next step now and contact us to ensure you receive expert and unbiased advice - and the professional service you deserve.
Start now. Contact us online, in person or by phone and let us help get you into the home of your dreams.
It's about a choice
The BestRateGuys.com provides Canadian homeowners with access to the hundreds of mortgage products available through Canada's many banks, trusts,
credit unions and Mortgage Companies. Typically our services are free of charge, AND YOU, our customers can select from the best mortgages, at the best
rates, available in the marketplace! You should insist on expert advice AND professional service. A typical Financial Institution will provide you with
information on the mortgage products THEY sell; while we will help you decide which Financial Institution, and which mortgage OFFER, is the best one for you.
It's about making the right decision
More and more Canadians are discovering that the best mortgage decision they can make is to choose to work with us.
Take the next step now and contact us to ensure you receive expert and unbiased advice - and the
professional service you deserve.
Start now. Apply online, in person or by phone @ 1.866.RATE.033 and let us help get you into
the home of your dreams.
The BestRateGuys.com lowest rate guarantee is our commitment to find you the lowest possible Canadian fixed mortgage rate in terms of your situation. If we can't at least
match an offer made another financial institution we will give you a $50.00 gift card just for giving us a try. Really, what have you got to loose? Call us
today to discuss your mortgage options. See terms and details of $50.00 give away offer.
Interested in learning more about mortgages? Subscribe to our news and articles blog on our website.
This will give you up to date mortgage information brought directly to your email inbox.
Renewing your current Mortgage could save you thousands in interest
Many Canadians don’t shop around when it comes time to renew their existing mortgage. If you renew your mortgage with your current lender without shopping the market, you may lock in a mortgage rate that is significantly higher than necessary. Take the time to consider all of your options. Mortgage rates are still at record lows. Now is the time to really explore your renewal options, it could save you thousands.
Pay off your Mortgage years earlier
The BestRateGuys.com team will help you shop the market before you renew, to ensure that you get the best rates available, helping you to lower your monthly payments or pay off your mortgage years sooner.
Rely on The BestRateGuys.com team to ensure you are making the right decision while also getting the service you deserve. We will meet with you to review your current mortgage and renewal options and make sure you renew with the best rate and terms available.
Even if you are not currently up for renewal it pays to plan ahead. So don’t wait…Contact us today online, in person or by phone and let’s get your renewal strategy in place…it could save you thousands!
Lowest Mortgage Rate Guarenteed
We guarantee you the lowest fixed rate mortgage on your Canadian mortgage. If you find a better fixed mortgage rate we’ll beat it or give you $50 Gift Card.
Apply for a VERICO Designer Mortgage Inc. fixed rate mortgage. Apply either online, telephonically, fax an application to 1.866.728.3033
Within 3 days of submitting your application, fax or deliver your renewal offer to our office.
If we cannot offer you a lower rate on a similar fixed rate mortgage, we’ll give you $50 Gift Card.
A similar mortgage must be for the same property, term, and loan amount with no penalties.
Visit us online for full details and rules and regulations.
If you have any questions about negotiating your mortgage call us toll-free and speak to a live person in real time. We can be reached at 1.866.728.3033
BestRateGuys.com is currently offering a $100 Gift Card for all new mortgage deals. Bring your mortgage needs to us and once we complete your transaction your $100 gift card will be in the mail. Not only will we get you the lowest rate possible, you also get a gift in return just for choosing BestRateGuys.com. What have you got to loose? Contact us today, toll free @ 1-866-RATE-033. Can’t wait to start earning YOUR $100 gift? Apply now online. It is quick and secure. See terms of $100 give away.
Have we got you interested in getting your first home? Apply now online. It is quick and secure. We will walk you through step by step in arranging your first home.
The BestRateGuys.com team guarantee to find you the lowest possible mortgage rate in terms of your situation. If we can’t at least match an offer made another financial institution we will give you a $50.00 gift card just for giving us a try. Really, what have you got to loose? Call us today to discuss your mortgage options. See terms and details of $50.00 give away offer.
Interested in learning more about mortgages? Subscribe to our news and articles blog on our website. This will give you up to date mortgage information brought directly to your email inbox. Call us toll free @ 1-866-RATE-033 to speak to a live Mortgage Agent in real time.
*Rules and Regulations for $100.00 give away program:
This offer is subject to client OAC. Subject to change / expire without notice.
All applicants must meet our lenders individual and industry standards for mortgage financing.
This offer is issued by the BestRateGuys.com Team. Paul Smith and Malcolm MacDonald.
This offer is valid only to clients who reside in and are seeking financing in the province of Ontario.
Approved $100.00 Gift recipients will have theirgift mailed out to the address provided to BestRateGuys.com at the time of initial contact, after 3 weeks of closing. If possible we will self deliver to the recipient.
This offer is limited to first time homebuyers, refinance /switched mortgages 2nd mortgages. Not applicable to any other products and services, for mortgage deals that are greater than $175,000 CAN.
The $100.00 gift check will have its value in Canadian funds.
Bestrateguys.com will not be responsible for any loss or damage to the gift cheque while in the mail or thereafter.
Bestrateguys.com has the right to discontinue this program at anytime without notice.
BestRateGuys.com will only send the Gift Cheque to the address of the referral source given at the time of initial contact, and will send by regular Canada Post Mail. It is the responsibility of the recipient to collect this mail at the given address.
This Promotion calls for a gift cheque in the amount of $100.00, therefore no other type of referral gift will be negotiated or rendered.
Some deals may take longer then others to process, during which time the BestRateGuys.com Team can not suggest a time frame as to if and when the deal will close.
Valid January 27th, 2011 through February 28th, 2011
The recent move by the federal government to shorten amortization periods will result in a slowing of mortgage originations in 2011, according to a report from CIBC.
CIBC’s latest Household Credit Analysis Report, also found Canadians are getting the message on cutting debt levels with growth in household credit now rising at its slowest pace since 2001.
Inflation adjusted growth in household credit in the third quarter of 2010 was the slowest in nearly ten years, while the 0.27 per cent increase in credit during November was the softest monthly reading in more than 15 years.
While overall credit growth has dramatically slowed, mortgage credit levels are still rising at close to seven per cent on a year-over-year basis, although in recent months that pace has also slowed. “A closer look at the monthly pattern reveals that the market is now growing by a monthly rate of only 0.4-0.5 per cent,” said Benjamin Tal, Deputy Chief Economist at CIBC and author of the report.
“The reduced demand for mortgage credit is more notable among first time home buyers-a trend that is already visible in the brokerage channel. The recent changes to the market introduced by the Ministry of Finance recently are not significant enough to derail the market, but are sufficiently targeted to soften marginal borrowing. We estimate that the move to shorten the maximum mortgage amortization from 35 years to 30 years will cut the growth in mortgage originations by roughly two to three percentage points in 2011. Overall we expect mortgages outstanding to rise by close to five per cent in 2011 after an estimated 7.7 per cent increase in 2010.”
The report notes that mortgage arrears appear to have peaked in February 2010 and are now stabilizing. The arrears rate is currently at 0.43 per cent-up from 0.24 per cent in early 2006. Mr. Tal notes that while this is significantly higher than it was before the recession, this number is well below the arrears rates seen in previous recessions.
Other key findings in CIBC’s Household Credit Analysis Report:
Lines of credit are now rising by a monthly pace of 0.3 per cent, the slowest pace since 2007 and down from nearly two per cent in late 2009. Arrears are down to .22 per cent in the third quarter from .25 per cent in the second quarter.
A similar trend can be seen in the direct loans portfolio with the delinquency rate falling notably in recent months and is now at a record low of 1.23%.
The overall growth in credit cards outstanding has stabilized at below 1 per cent (year-over-year). This pace is unlikely to accelerate in the near future.
Credit card delinquency rates and bad debt have risen notably over the past year, but recent delinquency figures reveal an improving trend. Given the sensitivity of this portfolio to developments in the labour market, a relatively stable unemployment rate in the coming quarters suggests that delinquencies in this portfolio have already peaked and will probably improve a bit in the coming few quarters.
If you have questions about your mortgage or debt, contact The BestRateGuys.com team today. Call us toll-free @ 1-866-728-3033. We can help consolidate all of your debt into one manageable mortgage payment. Apply today.
