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So What is a Mortgage Broker?

“Just because something is traditional is no reason to do it, of course.”
Lemony Snicket, The Blank Book

Straight up, no cream or sugar, a mortgage broker is your ticket to getting the best available rates. The customized financing options. Some personalized, expert mortgage advice from someone interested in helping you succeed, not selling a loan for their employer. (Cough cough traditional lenders, cough cough).

They’re trained, independent professionals. Who maintain relationships with a variety of vendors and can even find financing solutions in scenarios where traditional lending has let clients down previously. (Like if you self-employ, or have not-so-hot credit).

It’s seriously that simple- you can access better rates through a mortgage broker, period. If you’ve ever felt a certain sense of mystery or intrigue surrounding mortgage brokers, it might be because traditionally, in traditional Atlantic Canadian fashion, Haligonians continue to choose traditional lending institutions (ye olde family bank).

The Mortgage Broker Way

Outside of traditionally traditional Atlantic Canada, over 60% of homeowners clearly know where to find the best rates, choosing to engage a mortgage broker when financing their homes. In contemporary but still traditional Halifax, the opposite is true with just 40% engaging a broker to finance their homes. Buck tradition.

Choosing a broker to sherpa you up the mountain of home financing may seem intimidating. But it doesn’t have to be, and you don’t have to break with tradition entirely. One of the best ways to find a broker is simply asking your friends. They have so much tacit knowledge they’ll make your head explode with excitement over a seemingly boring topic.

Visiting a mortgage broker in their natural setting. (A professional office with awards on the walls, preferably). Should help sway any concerns you may have, as your gut is, at the end of the day, the best indicator as to whether you want to work with someone.

Do yourself a favour, buck tradition and contact Team Clinton today to see how we can help you reach your homeownership goals!

1. The TeamClinton.ca “Fall Into Homeownership Giveaway” (the “Contest”) runs from 08:00:00 a.m. AST on September 6th, 2020 (the “Contest Starting Date”) to 5:00:00 p.m. AST on September 18th, 2020 (the “Contest Completion Date”). The Contest will have a series of prizes including:

  • One (1) daily prize draw for two (2) ticket vouchers for a future Halifax Wanders game (the “Daily Prize”) starting on September 8, 2020. The Daily Prize is valued at $65.00 CAD. There are no cash alternatives or substitutions.
  • Two (2) weekly prizes (the “Weekly Prize”) for a pair of season tickets with draws occurring on September 11, 2020, and September 18, 2020. Each Weekly Prize is valued at $450.
  • One (1) grand prize (the “Grand Prize'') that includes hotel accommodations, a restaurant gift card, and a Halifax Wanderers swag bag including two (2) game vouchers for a future Halifax Wanderers. The Grand Prize is valued at over $500.00 CAD. There are no cash alternatives or substitutions.

    2. Submitting this form implies consent to subscribe to our emails and mobile phone alerts. Subscribers may opt-out at any time. 

    3. SMS message and data rates may apply. Text HELP to 68411 for help, text STOP to 68411 to end. By opting in, I authorize the seller to deliver messages using an automatic telephone dialling system and I understand that I am not required to opt-in as a condition of entering the Contest.

    4. Participants will receive one (1) contest entry for signing up to email and/or mobile phone updates. This is limited to one entry per person through the online sign up form.

    5. Participants may have the opportunity to earn additional entries and any details will be announced from time to time if available.

    6. The Grand Prize is valued at $500.00 CAD. There are no cash alternatives or substitutions.

    7. Participants must be 18 years of age at the time of contest entry and reside in Nova Scotia, Canada.

    8. By entering this Contest, all entrants consent and agree to the use of their name, address, likeness and photo for any advertising, publicity and marketing purposes by the Sponsor, without compensation.

    9. By entering, all eligible participants agree to abide by the rules and conditions outlined above.

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Normally you can find this at retail stores across Halifax and Dartmouth, but we wanted to make it even easier for you to get a copy.

The entire guide is available online to view or download, and to make sure you’re staying safe at home, you can now request a print copy by mail, free of charge, anywhere in Nova Scotia!