Mortgage Broker Whitby

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Whitby Mortgage Broker

Whitby is a town located in southern Ontario, specifically in the Durham region. It is situated near the neighboring towns of Ajax and Oshawa on the north shore of Lake Ontario. With a population teasing 140,000 people, Whitby is experiencing real estate growth that is fueled by the recent real estate boom.

Whitby is a well-connected commute for drivers seeking to use the 401 or 407 highways, but also convenient for those who wish to get around using local transit or trains to other cities and towns.

Like many other towns outside of the immediate Toronto area, first-time homeowners and other would-be homeowners flocked to surrounding cities and towns to plant their roots while maintaining a level of affordability that is within their means. As a Whitby Mortgage Broker, we help homeowners who are new and seasoned, navigate the evolving landscape as it pertains to real estate and the financing needed to get those keys.

It seems that home prices have been outpacing increases in household income and it is more necessary than ever to leverage a Whitby Mortgage Broker’s connections and experience. We are a Whitby Mortgage Broker that is familiar with all the rules and guidelines, even as they continue to change and evolve (and trust us, they are changing!). Through our own need to become a top Whitby Mortgage Broker, we have positioned ourselves by establishing the right lending partnerships. This helps us tackle the personal circumstances that accompany various homeowners so that we can successfully service their respective needs and bring them to their goals of home ownership, the right way.

Remember, we are a Whitby Mortgage Broker, NOT a bank or a lender. This means that we have access to solutions that are not otherwise available if we were to work with only one specific bank or lender. This also means that we are well-positioned to seek out mortgage solutions that are ideal for your circumstances and meet your needs. When it comes to mortgages, it shouldn’t just be about the rate – flexible terms or the highest affordability are key components to consider when accepting a mortgage offer. We will always deploy the best strategies to obtain your financing along with the right guidance to get you into your home. As a bonus, we can complete the entire mortgage process to make your life easier and less stressful.

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Mortgage Broker Services in Whitby

If you are trying to find solutions for your financial needs, we can help you with more than just mortgages.

We’re here to help. Ask us about…

First-Time Home Buyer

An Whitby mortgage broker like Canadian Mortgage Services can guide first-time homebuyers who may have challenges understanding complex mortgage terms, navigating financing options, and determining what they can realistically afford. Our team can demystify the process by offering tailored advice, presenting suitable loan options, and helping you make informed decisions to achieve your home ownership goals.

Second Mortgages

If you are seeking a second mortgage, you may face higher interest rates due to perceived increased risk. As an experienced Whitby mortgage broker, Canadian Mortgage Services connects clients with diverse lenders, ensuring you receive competitive rates. We provide expert guidance, streamline the process, and help you leverage the equity from the primary residence.

Bad Credit Mortgage

Canadian Mortgage Services is an Whitby mortgage broker that can assist borrowers with poor credit histories. If banks have declined you because of perceived risk, we reach out to our network of lenders to find those that are more accommodating towards clients with credit issues and offer you favourable terms.

Equity Take Outs (HELOC)

Canadian Mortgage Services can help you take advantage of a Home Equity Line of Credit (HELOC) and tap into the equity built into your home. As an Whitby mortgage broker, we can get you HELOCs with competitive terms and rates, providing potential savings over the loan’s life. We also offer guidance on how much to borrow to ensure you manage your HELOC well and don’t compromise your financial stability.

Purchases & Refinances

Refinancing your mortgage can be a strategic move to better your financial situation, but it requires careful consideration. It involves various costs and penalties for breaking your current mortgage. Canadian Mortgage Services takes the time to understand your needs and presents the best refinancing solution considering current market conditions and your long-term objectives.

Power Of Sale / Notice Of Sale

Canadian Mortgage Services, an Whitby mortgage broker, has extensive expertise and resources to help you avoid the threat of repossession. If you are struggling with your current mortgage payments, we can offer solutions to refinance your mortgage so you can keep your home.

Debt Consolidation Services

Canadian Mortgage Services can help you leverage your property’s equity to consolidate higher-interest debts into your mortgage. We can help you benefit from a lower-interest payment structure and streamline multiple payments into one.

Privately Funded Mortgages

Access privately funded mortgages backed by individual investors or investment firms through an Whitby mortgage broker like Canadian Mortgage Services. We connect you to niche investors to get flexible loan terms tailored to your unique financial situation, especially if you do not meet the conventional lending criteria of traditional banks.

Mortgage Pre-Approval

CMS is an Whitby mortgage broker that streamlines the mortgage pre-approval process for potential homebuyers. We assess your financial health and tap into a broad network of lenders to find the best terms. Having pre-approval boosts your credibility, making you more attractive to sellers.

Mortgage Renewal

Canadian Mortgage Services can help renegotiate terms, secure a new rate, or even switch lenders when your current mortgage ends. We make sure you get the most competitive rates and terms during renewal.

Bridge Financing

As an Whitby mortgage broker, Canadian Mortgage Services can help you secure a short-term loan to bridge the gap between purchasing a new property and selling your current one. Our industry knowledge and relationships help facilitate processing, ensuring you don’t miss out on a property due to funding delays.

Financial Counselling

Canadian Mortgage Services isn’t just about helping clients secure loans or mortgages; we’re committed to guiding you toward financial wellness. We ensure you have the knowledge and tools to make smart financial decisions.

Let the experts at Canadian Mortgages Services give you our first-class customer service for any of these professional services.

Business Hours:

Day	Hours
Monday	09:00 AM – 09:00 PM
Tuesday	09:00 AM – 09:00 PM
Wednesday	09:00 AM – 09:00 PM
Thursday	09:00 AM – 09:00 PM
Friday	09:00 AM – 09:00 PM
Saturday	09:00 AM – 05:00 PM
Sunday	09:00 AM – 05:00 PM

Certified by Google

Amandeep Harish - Principal Mortgage Broker - BA (Hons)

FSRA Lic. # M12001915

I am a well-balanced, yet extremely passionate and focused individual invested in continual growth and development, both personally and professionally. I am intrinsically motivated for success and highly adaptable to a variety of different situations. I enjoy helping others and find myself humbled by any opportunity to contribute to the growth of others. I am a firm believer in maintaining an active lifestyle and dedicate some of my day to fitness activities. I like spending quality time with family and close friends. I also enjoy a little bit of drama and so I get my daily dose from General Hospital!

Email: [email protected]

Neil Drepaul - Mortgage Broker - B. Com.

FSRA Lic. # M12001712

I strongly believe that regardless of what you do, you should do it well, with passion and perseverance. I have a strong entrepreneurial spirit that drives me to succeed in growing my family business. I continue to seek out opportunities to expand our brand and take advantage of any opportunity to help others by sharing my knowledge and experiences with others. When I’m not hard at work with the business, I play hard! My hobbies include working out, leisurely/competitive sports, cooking and community development both locally and abroad. However, my true satisfaction comes from the enjoyment of company with my growing family and friends.

Email: [email protected]

About Us

Canadian Mortgage Services is Whitby’s trusted Mobile Mortgage Broker – we come to you! Since 1988, We have provided solutions for borrowers in the GTA who are considered to have less than desirable credit, within the ages of 21 to 65, who want to purchase or refinance their mortgage. We work to understand your circumstances and we truly believe that you are just as deserving of a mortgage approval as the next person. We’ll find the best deal for your mortgage, debt consolidation or home equity loan. We get fast approvals on mortgage and other loans. If it’s counseling you seek, we provide that as well! We serve residential, industrial and commercial clients! Has the bank denied your mortgage request? Contact us today! (905) 455-5005