Full Service Brantford Mortgage Broker
Hi I’m Lawrence and welcome to Ontario Mortgage Superstore. I am a full service Ontario mortgage broker. Just a few of the services I offer as a mortgage broker are home, commercial, rental, second mortgage, private mortgage and home loans. Good credit, bad credit, either way, I will get you the lowest rate for your mortgage in Brantford. How can I beat the major banks and the well advertised Brantford mortgage brokers?
It’s simple, my overhead is embarrassingly low. I don’t have an army of staff on hand or sky scrapers to construct. Instead of spending millions of dollars on television and radio advertising, I rely on customer satisfaction to promote my service. How does my being so efficient help you? If you over pay by even a quarter of a percent on a $200,000 mortgage, it will cost you an extra $12994! The average consumer has access to 6-8 lenders, the average Brantford mortgage broker has access to 40, I have access to over 100 highly competitive lenders. Whatever your mortgage need, I will make the entire process easy.
My service is free for most of my customers, the lender will pay my fee. There is never any pressure and no obligation. Why don’t you fill out an application or give me a call today. What have you go to lose? Make the call today and you WILL get the lowest Brantford mortgage rates.
Services Available
- Pre Approval For Mortgage
- Home Mortgage
- Second Mortgage
- Bad Credit
- Debt Consolidation
- Home Loan
- No Money Down Mortgage
- Self Employed
- First Mortgage
- Purchase Plus Improvements
- Commercial Mortgage
- Private Mortgage
- Home Equity Loans
- Refinancing
- Subprime Mortgage
- Vacation Property
- First Time Home Buyer
- Third Mortgage
- Mortgage Loan
- Residential Mortgage
- Construction Financing
- Rental Mortgage
- Past Bankruptcy
- New To Canada
- Land Mortgage
- Cottage Mortgage
- Second Property Mortgage
- Fourth Mortgage
- Renewal
- 80% Rental Offset
** Select a service type for more information **
Maximum Mortgage Loans
| Residential | Max LTV | Commercial | Max LTV | |
| Home Mortgage | 100% | Storefront | 80% | |
| Rental Mortgage | 95% | Rental Mortgage | 85% | |
| Second Mortgage | 95% | Office Building | 75% | |
| Home Refinancing | 95% | Commercial Plaza | 75% | |
| Private Mortgage | 95% | Industrial Space | 75% | |
| Home Loan | 90% | Farm Financing | 50% | |
| Vacant Lot | 75% | Acreage | 50% |
Why Use a Brantford mortgage broker?
- SAVINGS – A Brantford mortgage broker has access to many more lenders then the well known banks and credit unions ensuring that you DO get the best mortgage rate possible.
- CONVENIENCE – Obtaining a mortgage through me is quick, easy and convenient. I have the flexibility to work around your schedule. When using a mortgage broker, most of the work can often take place with just a phone call or through email.
- STRESS FREE – There is no need to negotiate. I will give you the lowest rate EVERY TIME.
- COST – My service is free of charge to most consumers. Charges may apply when the borrower has very poor credit or has an extremely high debt to equity ratio. A simple rule of thumb would be if every bank and credit union in Canada turns you down, there may be a fee.
- ECONOMY OF SCALE – When dealing with a bank, a mortgage broker will often be able to get a much lower rate than the lowest rate offered to the consumer.
- ETHICS AND INTEGRITY – As a Brantford mortgage broker I am licensed by the Financial Services Commission of Ontario (FSCO.GOV.ON.CA) and a member of the Canadian Association Of Accredited Mortgage Professionals (CAAMP.ORG), the lending officer at your bank is not. My license and membership can be confirmed at the links below.
- NO CONFLICT OF INTEREST – As a Brantford mortgage broker I provide a service. The service I offer is to find you the lender with the lowest interest rate, to provide you with flexible mortgage options and to provide unbiased answers to your questions. The mortgage officer at your bank is there to sell you their employer’s product.
About Brantford
Brantford is a city located on the Grand River in Southern Ontario, Canada. This single-tier municipality is geographically within Brant County and they are part of the same census division, but Brantford is municipally distinct from it. The city had a population of 90,192 in the Canada 2006 Census. Brantford is connected to Woodstock in the west and Hamilton in the east by Highway 403 and to Cambridge to the north by Highway 24. Brantford is sometimes known by the nickname The Telephone City as former city resident Alexander Graham Bell conducted the first distant telephone call from the community to Paris, Ontario in 1876. It is also the birthplace of hockey player Wayne Gretzky.
Economy
Brantford was an important Canadian industrial centre for the first half of the 20th Century, and was once the number three city in Canada in terms of cash-value of manufactured goods exported. The city is at the deepest navigable point of the Grand River, and was once a railroad hub of Southern Ontario. The combination of water and rails helped Brantford develop from a farming community into a blue collar industrial city based on the agriculture implement industry centred around companies such as Massey-Harris, Verity Plow and the Cockshutt Plow Company. This industry, more than any other, provided the well-paying and steady employment that allowed Brantford to sustain economic growth through most of the 20th century. By the 1980s and 1990s, the economy of Brantford was in steady decline as a result of the bankruptcies of White Farm Equipment, Massey-Ferguson (and its successor, Massey Combines Corporation), Koering-Waterous, Harding Carpets, and other manufacturers. The bankruptcies and closures of the businesses left thousands of people unemployed and created one of the most economically depressed areas in the country. The unemployment rate, however, has steadily decreased in more recent years, from almost 14% in 1993 down to 6.3% in 2006. This improved employment picture led to the rate of personal bankruptcy in Brantford falling by 6.2% in 2006. The completion of the Brantford to Ancaster section of Highway 403 in 1997, was intended to provide an increased incentive for business to locate in Brantford because of easy access to Hamilton and Toronto, as well as being along the quickest route through southern Ontario between Detroit and Buffalo. In 2004 Procter & Gamble and Ferrero SpA chose to locate in the city. Though Wescast Industries, Inc. recently closed their local foundry, their corporate headquarters will remain in Brantford. On February 16, 2005, Brant, including Brantford, was added to the Greater Golden Horseshoe along with Haldimand and Northumberland counties.
Education
- Mohawk College, has a satellite campus in Brantford, and offers programs on Elgin.
- Laurier Brantford, a campus of Wilfrid Laurier University, offers undergraduate degrees in their downtown facilities. They include degrees in Contemporary Studies, Criminology, Leadership, Journalism, and a joint program in education offered in partnership with Nipissing University.
- Nipissing University, joint program with Wilfrid Laurier.
Transportation
Air Brantford Municipal Airport is located west of the city. It hosts an annual air show, featuring the Snowbirds. The John C. Munro Hamilton International Airport in Hamilton is located about 35 km east of Brantford. Toronto Pearson International Airport is located in Mississauga, about 100 km northeast of Brantford. Rail The train station is located just north of downtown Brantford. VIA Rail has daily passenger trains on the Quebec City-Windsor Corridor. Trains travel between Windsor, Ontario and Union Station in Toronto, Ontario. Bus Brantford Transit services the city with nine regular routes operating on a half-hour schedule from the downtown Transit Terminal on Darling Street, with additional school service. Greyhound Canada has intercity service to Toronto, Hamilton, London, Windsor, etc. All Around Transportation operates a Paris/Brantford shuttle bus.
Brantford Planning and Economic Development
Follow the link for the most recent Brantford economic development initiatives.
Brantford Property Taxes
Click for the last available Brantford property tax rates.
Call Me For Your Brantford Mortgage Broker Needs
If you are currently looking for a mortgage in Brantford it has never been a better time to get financing from a Brantford mortgage broker. Canadian mortgage rates are at an all time low and the housing market has proven over the last 12 months how resilient our market is. I am very confident that with Ontario’s transit expansion plans coupled with Canada’s stance on immigration that the province will see a nice surge in housing prices over the next 10-15 years.
Home Purchase/ Mortgage Refinancing
If you are looking at buying a new home or looking to refinance your current home, call me today. We will find you the lowest mortgage rate for your home purchase or refinance.
First Time Home Buyers
The prospects are especially bright if you are a first time home buyer. If you are a first time home buyer give me, your Brantford mortgage broker a call today. I can help you understand the many opportunities currently available for first time home buyers. Check out our mortgage calculator on the side bar, this will help you figure our how much you can afford. We can help first time home buyers save with the lowest mortgage rates.
Commercial Financing
If you are a commercial property owner in need of a Brantford mortgage broker, call today. I have many Ontario commercial mortgage lenders who can help no matter what or where your property is located. If you are looking for a commercial mortgage broker with the lowest rates, call today.
Rental Properties
I can help real estate investors local or abroad in need of a rental mortgage. Whether you are a first time rental property owner or purchasing your eighth property we can help you.
Private Mortgage Lenders
Are you in need of a private mortgage from a Brantford mortgage broker? Trillium mortgage is a leader in offering private mortgages and has access to an established and well reputable network of private lenders. We can offer the lowest mortgage rates on your private mortgage.
Second Mortgage / Home Loans / Debt Consolidation Loan
We offer second mortgage, home loans and debt consolidation loans. Bad credit histories are our specialty. Even if you are being foreclosed, are in power of sale or have recently gone bankrupt, we can help you. We offer the lowest interest rates on your second mortgage, home loans and debt consolidation loan needs.
Vacation Home / Cottage / Second Home
Are you looking a buying a vacation home, second home or a cottage? Call a Brantford mortgage broker who can find you the lowest interest rate for your dream getaway.
No matter what your situation is, I can help. I will help every person get the mortgage they need. Give me a call today for your Brantford mortgage broker needs.