Why a mortgage broker? The art of a securing a mortgage is the course nobody ever taught. In fact, everyone often refers to a bank giving us a mortgage. Truth be known, it is the homeowner who grants the bank a mortgage on their property, and cash is exchanged based on the bank’s share of your collateral. Yet it certainly doesn’t feel like the homeowner has the upper hand. That is, until now. Mortgage Intelligence Consultant simplifies the entire process of mortgage financing: we represent your best interests, we negotiate with the banks and various lenders for the best possible products and lowest possible rates, we do the paperwork and, ultimately, provide you with the peace-of-mind that you’re getting the best solution possible. The good news is that there is no cost to you for this service - our remuneration is ultimately provided by the selected lender. You stand to benefit from our collective market knowledge and exceptional negotiation skills, while avoiding the somewhat intimidating process of dealing directly with the lenders. I have been in the mortgage business for 10 years. I started, as a lender with Royal Trust and after a few years became an Area Manager of Lending responsible for developing mortgage business. I then joined the Royal Bank as a Mortgage Consultant and three years ago saw the light and became a Mortgage Broker. As a Mortgage Broker I am able to match my clients needs with a lender who will provide them with competitive rates and products. Canadian mortgages. When I explain my services to a potential client they tell me over and over again "Why doesn't everyone use a Mortgage Broker?" I enjoy working with clients and feel satisfied at the end of the day when I have negotiated the best mortgage for them. Mortgage Brokering is like a puzzle, every client has different needs, different strengths and weaknesses and I try to match them with the lender that fits. I graduated from the University of British Columbia with a bachelor of Education. I have never taught, but spend a lot of time educating my clients in mortgage features and the buying process. I enjoy many sports including golf, tennis, softball and volleyball. I have lived in the Kelowna area for 12 years and enjoy the beautiful scenery and the hot sunny summers. I enjoy the smaller city atmosphere where a lot of my clients are friends or friends of theirs. I would appreciate the opportunity to put my services to work for you and your friends.

Our Best Mortgage Rates

TERM BANK OURS
Variable 4.75 % 4.15%
6 Months 6.50% 6.20%
1 Year 6.95% 4.80%
2 Years 7.00% 5.25%
3 Years 7.00% 5.25%
4 Years 6.99% 5.45%
5 Years 7.15% 5.30%
7 Years 7.15% 5.80%
10 Years 7.95% 5.90%
15 Years N/A 6.85%
25 Years N/A 6.95%

 

Mortgage Types: iMortgages

iMortgages Overview Chart - quickly compare your choices

 

i decide™
 Lower monthly payments gives you more choice.
 The i decide™ interest-only mortgage can help you get into the market more easily than you ever thought possible. With i decide™, you can borrow up to 80% of the value or your home. Or up to 95%, if you add a low-rate second mortgage that you can pay off anytime without penalty.

i declare ™
 For entrepreneurs who can qualify for the mortgage they want based on their stated income.
 Now, there's a mortgage that assumes you are as good as your word. The i declare™ mortgage is a stated income mortgage tailor-made for self-employed Canadians. It offers an easier mortgage approval process that accommodates your income situation.

i declare.doc ™
 Your business is just that; your business.
i declare.doc™ is a mortgage for self-employed or commissioned sales people with good credit history. Qualify for the mortgage you need with limited income and employment verification.

i deserve ™
 For entrepreneurs with excellent credit.
 With the i deserve™ mortgage, your excellent credit could qualify you for a mortgage up to $600,000 - without any kind of income documentation or estimation.

i 107 ™
 If you can afford the monthly payments, you can get the house now.
 The i 107™ mortgage is a no-downpayment mortgage that can open the door to the home you want, right away. It's a unique lending product that provides you with the money you need to buy the home you want. And then some.

i relax ™
 Realize your dreams of vaction property ownership.
i relax™ gives you the ability to purchase or refinance a summer, winter or all season vacation property with as little as 15% down. And, to make qualification even easier, i relax™ can function as a blanket mortgage so your principal residence can be used as additional collateral.

i invest ™
 A mortgage for your investment property without mortgage insurance.
 The i invest™ mortgage rewards your entrepreneurial achievements and gives you the opportunity you need. That's because i invest™ has been specially designed to make mortgages for residential real estate investments easier to get and less expensive to carry.

i second ™
 Get the money you need at the rates you can live with.
There are so many reasons why you might want a second mortgage. You might be moving to a larger home and may already have a first mortgage with most of the money you need at a great rate. So it makes sense to get secondary financing to save that rate.

i resolve ™
 The mortgage that helps you get back on track.
Canadians pay an incredible amount of money to service their high interest credit cards and other loans. As a result, more and more homeowners are considering the advantages of using a new mortgage to refinance and manage their debts.

i 95 ™
 An easier way to use your 5% down.
 The i 95™ mortgage can mean that the 5% downpayment you've saved so carefully can be your entry to home ownership, without having to go through both lender and mortgage insurer approvals.

i secure ™
 Lock in and move on.
 The i secure™ mortgage is designed specifically for the homebuyer who simply wants the best rate possible and the least amount of maintenance. By locking in for the long-term, you’ll know the exact amount of your mortgage payment for whatever term you choose.

i adjust ™
 An adjustable-rate mortgage that puts you in control.
 The i adjust™ mortgage is an adjustable rate mortgage that lets you take advantage of today's best mortgage rates while you keep an eye on the marketplace. If mortgage rates go down, the savings are passed on to you.

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