Waterloo Mortgage Broker Services

Contact Your Waterloo Mortgage Broker Today!

Waterloo Mortgages Made Easy!

Home Mortgage Ontario and HCC Mortgages Ltd. are your Mortgage Centre Specialists for first-time homebuyers, new home purchases, refinancing your current home, switching lenders for a lower interest rate, taking-out equity to consolidate debt, second mortgages, or applying for a home equity line of credit (HELOC) in Waterloo, Ontario.

Communicating in Ways Convenient to You!

Families in Canada are busy these days and in many cases, the time required to make important financial decisions is not available. We understand that shopping for your Waterloo mortgage may not be at the top of your list during business hours; that’s why we encourage you to use the lines of communication most convenient for you and your schedule!

Feel free to contact us at your earliest convenience using your favourite social media tools such as Facebook, Twitter, or Google+.

Not into social media? Use your smartphone to email or text/SMS 519-818-0078 24-hours a day to receive quick answers to your questions and help you get started on your Waterloo mortgage application!

About Waterloo, Ontario Canada

Waterloo is a city in Southern Ontario, Canada. It is the smallest of the three cities in the Regional Municipality of Waterloo, and is adjacent to the city of Kitchener. Kitchener and Waterloo are often jointly referred to as “Kitchener-Waterloo” (K-W), or “the Twin Cities”, although they have separate city governments. There have been several attempts to amalgamate the two cities (sometimes with the city of Cambridge as well), but none have been successful. At the time of the 2011 census, Waterloo had a population of 98,780.

Waterloo has a strong knowledge- and service-based economy with significant insurance and high-tech sectors as well as two universities. The city’s largest employers are Sun Life Financial, the University of Waterloo, Manulife Financial, Research In Motion, Sandvine and Wilfrid Laurier University.

Waterloo has a strong technology sector with hundreds of high-tech firms. The dominant technology company in the city is Research In Motion, makers of the BlackBerry, which has its headquarters in the city and owns several office buildings near the University of Waterloo’s main campus.

Waterloo Mortgage and Real Estate Resources

City of Waterloo – Official website of the City of Waterloo. Access to information related to town hall, residents, businesses, and visitors.

Waterloo Property Tax Rates – Property tax information for residential, multi-residential, commercial, and other types of Waterloo property types.

Waterloo Regional Police Service – The Waterloo Regional Police serve Waterloo and the surrounding area.

The Record – Get the latest Waterloo community news, sports, events and opinions about community living in Waterloo.

Kitchener-Waterloo Association of Realtors – The KWAR is a professional association with over 1100 REALTOR members serving the real estate needs of Kitchener-Waterloo and area.

Happening Now – The Official Waterloo Region Tourism Site. Describes the natural recreational areas, commerce, education, attractions and activities of Waterloo Region.

Why a Waterloo Mortgage Broker?

1. Saving You Thousands – Waterloo mortgage brokers shop all lenders for the best mortgage rates and products for your particular situation. While your big bank can only offer you a limited selection of mortgage products at uncompetitive posted rates, we find the lender with the best product match for you at rates far below posted rates.
2. Saving You Hassle – Since an Waterloo mortgage broker shops all available lenders, we negotiate on your behalf to get you the best mortgage rate and flexible terms. Finding the client the best product at the lowest interest rate is our job and we take it seriously.
3. Saving You Time – Your Waterloo mortgage application can be completed online, over the phone, or through fax in minutes! Big banks and credit unions typically require the borrower to make an appointment and often times, the borrower agrees to their mortgage product without understanding the other options available. We will take your application and give you options and time to determine which is best for you and your family.
4. Saving Your Credit History – Every time a potential borrower applies for a mortgage at different financial institutions, their credit report must be checked individually by each lender. Every credit check performed on a credit report negatively impacts the credit score of the individual. By shopping Waterloo mortgage lenders on your behalf, mortgage brokers are able to pull your credit history once for the entire process.
5. Saving You Fees – Best of all, Waterloo mortgage broker services are FREE to the borrower!
6. Saving You Doubt – While the financial advisor at your bank wears the hat of investment advisor, personal banking associate, Registered Retirement Savings Plan (RRSP) advisor, and many more, often times mortgages are not their specialty. Waterloo mortgage brokers and agents are licensed by the Financial Services Commission of Ontario (FSCO) and all licensed agents and brokers can be found online. For example, you can see Kyle Pearce’s licence information with FSCO here.
7. Saving You Apprehension – Mortgage brokers provide a service to the client and commit to finding the best mortgage rate and product for every client. Your bank or credit union advisor is hired to sell the client their products, regardless of whether it is in the best interest of the client.

Go ahead, we encourage you to bring in your big bank’s best mortgage rate and we will get lenders competing to save you the most interest possible!

Your Waterloo Mortgage Centre Can Help!

Maximum Mortgage Loan-to-Value (LTV)

Reach Out Today to Discuss Your Options!

Contact The Mortgage Centre for a no-obligation financial analysis and advice on how to get the best Waterloo mortgage and take the for the next big step in your life!

Don’t get stuck in the “big bank mortgage game” and simply lock-in to the inflated 5-year fixed rate that they convince so many of their loyal customers to agree to – speak to us about your options and allow us to show you how to save thousands of dollars over your next Waterloo mortgage term!