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 3.25% 2.00%
6 month 4.75% 4.50%
1 year 3.75% 2.35%
2 years 4.20% 2.86%
3 years 4.75% 3.29%
4 years 5.29% 3.79%
5 years 5.84% 3.79%
7 years 6.60% 5.00%
10 years 6.70% 5.25%
15 years N/A 9.25%
25 years N/A 9.35%

 

Client Testimonials

What our clients say about us:

“As a self-employed business woman I didn't realize how difficult it can be to get a mortgage. Then I found Laurie Baird and she quickly found a company. I got my mortgage, bought my home and three years later I'm still dancing on air.

Thank you Laurie for understanding the issues self employed people face with most mortgage companies and working with me to get the mortgage on our home!”

- Marilyn Strong

 

“My husband and I had wanted to buy a home for quite some time, but did not think we would be able to finance a home. A friend refered us to Laurie who has helped us go not only from renting to buying, but also to changing homes all within 8months of each other. We are in a home we love and it was with Laurie's help, knowledge and expertise that we got here.”

- Mark & Nicole Brown

 

“Laurie is amazing. We have negotiated two mortgages through her. We both work and have 2 little kids. She was willing to work around our busy schedule and get everything done quickly and easily. I would not hesitate to recommend her to anyone.”

- Kevin & Marlene Roberts

 

“I had never thought of a Mortgage Professional before but Laurie Baird was recommended to me and I decided to give her a try. I am extremely happy with the results. Laurie was not only a joy to work with she maximized my low interest opportunities and minimized my stress. My wife and I purchased our dream home at an incredible interest rate. I highly recommend Laurie to anyone!”

- Keith & Kim Griechen

 

“I lived in Toronto, a single mother with 2 kids at university. After Sept. 11/2001 I lost my job and could not easily find a new job at age 51. I decided to become my own boss and to work from home. I decided to buy a Bed & Breakfast and put my little house up for sale. In Toronto, Niagara-on-the-Lake and Muskoka the prices were way too expensive for me. I checked the Internet and found a cute little town in B.C. with a nice B&B for sale in my price range. Everything seemed so perfect until I tried to get a mortgage. Every bank I tried told me that I need to produce a proof of income for the last 3 years. Of course I had none in B.C. and the ones from Ontario did not make sense as I would not doing the same job.

The property I intended to buy had just been turned into a B&B from a rooming house shortly before I decided to buy. So I had no idea of the income to come or proof for at least 3 years of past income. Desperate for a way to buy my dream home I looked into Real Estate Newspapers and found an interesting ad by the Mortgage Intelligence Company. I called and was told that they could only help if I wanted to buy in Ontario, but the nice person I talked to gave me the phone number of Laurie Baird, who worked for Mortgage Intelligence in B.C.

I contacted Laurie, she was charming and listening to my problem and so helpful. She promised to find a way and a few weeks later phoned back with the excellent news that she had found a bank in a larger city nearby who agreed to finance 50 % of the purchase price. I had to come up with the other 50 % in cash which I could after selling my little house in Toronto at a good price. I love my life out in B.C., I enjoy being independent, making friends and meeting people from all over the world, also having financial freedom and no commute.

Thank you Laurie - you made my new life possible ! ”

- Gundy Baty, Owner of Green Gables Loft B&B in Revelstoke B.C.

 

“We had been referred to Laurie about four years ago from a family member. We have now obtained two mortgages through Laurie and have been very pleased with the rates we received and the way the mortgage/broker process was handled. Both times there seemed to be very little we had to do for ourselves. We filled out an application each time due to different circumstances and faxed or emailed the information back to Laurie. The current age of email is a wonderful thing and had made it very easy for us to communicate with Laurie each time. She always responded quickly to questions and never seemed to tire of them!

Laurie has a lot of knowledge behind her. With our first mortgage obtained through her we were in a situation of coming out of a home based business with only casual employment ahead of us and we were not sure if we were going to get a mortgage based on those circumstances, but Laurie knew there was a program out there for people in that situation. I do not know that we ever would have found that out about the program ourselves as it would have taken up more of our time than what we had with our business and our children.

Thank you Laurie for all your hard work, we would not hesitate to recommend you to any of our friends or family. ”

- Kim & Don Glavin

 

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