Full Service Chatham 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 Chatham. How can I beat the major banks and the well advertised Chatham 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 Chatham 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 Chatham 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 Chatham mortgage broker?
- SAVINGS – A Chatham 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 Chatham 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 Chatham 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 Chatham
The Municipality of Chatham-Kent (2006 population 108,177) is a city-status single-tier municipal government in Southern (Southwestern) Ontario, Canada. The municipality is mainly rural and agricultural, with industry in the larger urban areas.
Communities
The Municipality of Chatham-Kent currently consists of the communities of Appledore, Arkwood, Bagnall, Baldoon, Bates Subdivision, Bearline, Beechwood, Blenheim, Botany, Bothwell, Bothwell Station, Bradley, Briarwood Estates, Cedar Springs, Chatham, Clearville, Coatsworth, Croton, Darrell, Dawn Mills, Dealtown, Dover Centre, Doyles, Dresden, Duart, Eatonville, Eberts, Electric, Erie Beach, Erieau, Fargo Station, Fletcher, Florence, Glenwood, Grande Pointe, Guilds, Highgate, Holiday Harbour, Huffman Corners, Jeannette, Jeannette’s Creek, Kent Bridge, Kent Centre, Lake Morningstar, Louisville, McKay’s Corners, Merlin, Mitchell’s Bay, Morpeth, Muirkirk, Mull, New Scotland, North Buxton, North Thamesville, Northwood, Oldfield, Oungah, Ouvry, Pain Court, Palmyra, Pinehurst, Port Alma, Port Crewe, Prairie Siding, Quinn, Raglan, Renwick, Rhodes, Ridgetown, Ringold, Rondeau Bay Estates, Selton, Shrewsbury, South Buxton, Stevenson, Stewart, Thamesville, Thornecliffe, Tilbury, Troy, Tupperville, Turin, Turnerville, Valetta, Van Horne, Vosburg, Wabash, Wallaceburg, Wheatley, Whitebread, Wilson’s Bush.
Economy and Industry
Chatham-Kent has an increasingly diverse economy, with a base in the agricultural and automotive sectors. The municipality and senior levels of government are keen to promote continuing diversification.
Located in the “industrial heartland”, Chatham’s roots in the automotive sector go back to Gray-Dort Motors Ltd., one of Canada’s earliest automobile manufacturers. (Chatham was also the birthplace of Hank Chrysler, father of Walter P. Chrysler, founder of the Chrysler automobile company). Today, a heavy truck plant operated by Navistar International Corporation (NYSE symbol NAV) was one of the largest employers in the city. Established in 1912, the operation was threatened with closure in 2002, but remained open thanks to $65 million in government grants and a new collective agreement with the Canadian Auto Workers local representing the workers. Other auto industry plants in the municipality include AutoLiv Canada in Tilbury (airbags), Mahle in Tilbury (emissions controls and plastics).
Chatham-Kent is the headquarters for Pioneer Hi-Bred Limited (a division of DuPont), a major agricultural seed breeding and biotechnology company. Omstead Foods, founded in Wheatley in 1911 is now the largest fresh fish producer in Canada and second largest frozen vegetable processor. In 1996, Chatham became the home of Commercial Alcohols, which is the largest ethanol plant in Canada, and one of the largest in the world. It produces ethanol for industrial, medical, and beverage uses. In January 2005, the plant was named as one of Canada’s 50 best managed companies. There are plans to double the size of the current Chatham facility. The plant faced criticism in the past due to corn mash odour from its stack, but has installed technology to eliminate the problem. However, these efforts need to be readressed, due to the fact that this technology has been discovered to be faulty by many of the local residents.
There are many farms in the municipality, and a number of vineyards have been opened in the last few years.
Many international workers come to Chatham-Kent, especially in the warmer seasons, to do farm labour. In the past there have been allegations of low pay and poor living and working conditions for these agricultural labourers. ‘El Contrato’, a film by The National Film Board of Canada, addresses these issues in depth.
Chatham is home to the headquarters of Union Gas, a natural gas utility and Spectra Energy company. Other energy related activities include wind farms near the shores of Lake Erie.
Chatham also serves as a retail centre for the municipality and surrounding area. This has included the development of large big-box stores particularly at the north end of Communication Road in Blenheim, and at the north end of St. Clair Street in Chatham.
Chatham is home to technology companies as well. For example, TekSavvy Solutions Inc. provides high-speed internet, telephone, and other advanced telecommunications services across Canada.
Chatham-Kent City Initiatives and Planning
Click the link to see the latest Chatham-Kent Official Plan.
Chatham Property Tax Rate
Click the link to view the most recent Chatham property tax rate.
Call Me For Your Chatham Mortgage Broker Needs
If you are currently looking for a mortgage in Chatham it has never been a better time to get financing from a Chatham 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 Chatham 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 Chatham 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 Chatham 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 Chatham 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 Chatham mortgage broker needs.