Any mortgage brokers here?
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Thread: Any mortgage brokers here?

  1. #1
    Registered User Array jermyzy's Avatar
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    Any mortgage brokers here?

    My mortgage is due for renewal. Currently with TD bank. Previously on variable rate mortgage of prime minus 0.9%.

    These are the rates currently offered to me.

    Variable: prime minus 0.3% (2.7%)
    Fixed: 1 year - 2.90%, 2 year - 2.54%, 3 year - 3.1%

    Wondering if it's worth seeing a mortgage broker to see if I can get a better rate as these rates seem to be on par/better than most posted rates.
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  2. #2
    Riff Raff Array Leslie0568's Avatar
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    My mortgage broker got me a variable at prime minus 0.5%.

    Jason Suttie, AMP
    Managing Partner, Custom Mortgages
    p - 604.760.2247
    e - jsuttie@suttiemortgage.com
    Shut up and get naked

  3. #3
    Registered User Array jermyzy's Avatar
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    ^Thanks Leslie. Did you get that rate recently? Apparently people were still getting up to prime minus 0.8% earlier this year, but have been scaling back recently.
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  4. #4
    Riff Raff Array Leslie0568's Avatar
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    I signed the papers last week so yup its current. Jason worked hard for me... I'm a single mom and I don't always work full-time and he managed to find two lenders who would work with me and give me the amortization I needed to make it work. He's constantly in touch, even now after his work is done. He's a good guy.
    Shut up and get naked

  5. #5
    Mortgage Pimp Array J_Scott's Avatar
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    I'm just here for the intelligent conversation.
    I've been a broker for nearly a decade and run my own firm with a couple of partners. Done quite a bit of work for guys on here, but due to privacy I'll keep their names out of it. If they want to speak up they can. Prime -.85% was available less than 2 months ago, but disappeared fast. I'd be happy to help if you need advice.

    Scott @ altapacificmortgages.com

  6. #6
    slowing down, TOMORROW! Array miles's Avatar
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    Quote Originally Posted by J_Scott View Post
    I've been a broker for nearly a decade and run my own firm with a couple of partners. Done quite a bit of work for guys on here, but due to privacy I'll keep their names out of it. If they want to speak up they can. Prime -.85% was available less than 2 months ago, but disappeared fast. I'd be happy to help if you need advice.

    Scott @ altapacificmortgages.com
    I'll speak up... Call him he'll sort you out

  7. #7
    Registered User Array Commuter Boy's Avatar
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    It's always worthwhile to talk to a broker. It costs you nothing, they'll work to get the best deal going for your circumstance, and you'll sleep better knowing that the bank didn't take you for a ride.

    You can ask the broker to shop your existing bank so you can see the difference between what they can get and what you can get from them, if any.

  8. #8
    Registered User Array jermyzy's Avatar
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    Thanks Scott, sent you an email
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  9. #9
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    Quote Originally Posted by jermyzy View Post
    My mortgage is due for renewal. Currently with TD bank. Previously on variable rate mortgage of prime minus 0.9%.
    Just pay cash. Saves all that horrible paperwork.

  10. #10
    Mortgage Pimp Array J_Scott's Avatar
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    I'm just here for the intelligent conversation.
    Quote Originally Posted by Coastmaster View Post
    Just pay cash. Saves all that horrible paperwork.
    Shhh. Some of us are trying to make a living.

  11. #11
    padawan Array Grendel's Avatar
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    What a timely thread!

    *DEFINITELY* recommend J_Scott - I'm actually just reviewing the paperwork for our renewal...

    "Mortgage Pimp" is putting it mildly -- Scott has helped us secure a truly sweet deal.



    Props to Hilton for the recommendation.
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