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Getting the right mortgage in BC...
...can be one of the most important financial decisions you will make. When you buy a home for the first time there is nothing more important then getting financing that will not exceed your earning ability. For the existing homeowner you have worked hard to establish equity in your property, doing the right things with the equity can dramatically impact your retirement years.
Financial Advantage Programs
All British Columbians can benefit from being informed about their mortgages, and finding the right product that suits their needs. Whether you are a First Time buyer, Looking to Upgrade, or even lower your monthly payment my Financial Advantage Programs work for you! Read up on our programs, and give Karen at Mortgages BC a call. Combined with our large network of lenders, we also refer you to our network of CFPs (Certified Financial Planners) who will help you make the best decision based on your financial situation. Whether you want to know if a variable rate is best for you, how much to put down on a property or what is the best mortgage insurance to get, they will help you find solutions that work for you. Financial Advantage Programs in BC:
First Advantage | Equity Advantage | Rental Advantage | Equity Mortgage
The Equity Mortgage
Arguably as British Columbians we live in one of the best provinces, in one of the best countries in the world, we are however one of the most taxed. The Equity Mortgage allows you the benefits of a tax deductible mortgage and creates an investment portfolio with all the same monthly payments. Imagine getting money back from the government by making your same monthly mortgage payment! Your bad mortgage debt is easily transferred into good investment debt, with the same monthly payment! Learn more about this wonderful new mortgage.
The Secured Advantage
Do you think rates are going to increase? Or just would like the security of having a constant fixed payment? Our fixed rate products give you the benefit of a locked-in interest rate for terms ranging from 1 to 25 years!
Wouldn't you like to know that your mortgage payment isn't going to change regardless of market conditions throughout the term of your mortgage? With 5-year mortgage rates as low as
5.90
and 7-year mortgages as low as
6.05
, why take the risk!
With the advantage of 40 year amortizations let me show you how you can get into your dream home now, and still pay it off in 25 years! Get the Secured Advantage, a perfect fit for First Time Home owners!
The Variable Advantage
Do you expect rates to decrease? Are you comfortable with fluctuation in your payments and want to pay the least amount of interest over the life of your mortgage? If so our variable mortgage products (with interest rates set as a discount of the prime rate of Canada currently
) could be for you! Choose from a wide variety of initial discounts based on when you think rates will decrease, or take the maximum discount for the term of your mortgage! My customized report (only for British Columbians) will show you the mortgage rates on the best variable products on the market, and I will explain to you the do's and don'ts of Adjustable Rate Mortgages that your bank doesn't want you to know! Such as: What happens to your payments when Prime changes, how to get the best discount if you want to convert to a fixed rate (or lock-in), and how with some variable products your bank may be offering you can end up owing extra at the end of the term.
Educate yourself on your Variable Advantage by contacting Karen today.
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