Full Service Guelph 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 Guelph. How can I beat the major banks and the well advertised Guelph 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 Guelph 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 Guelph 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 Guelph mortgage broker?
- SAVINGS – A Guelph 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 Guelph 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 Guelph 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 Guelph
Known as “The Royal City”, Guelph is roughly 28 kilometres (17 mi) east of Kitchener-Waterloo and 100 kilometres (62 mi) west of downtown Toronto at the intersection of Highway 6 and Highway 7. It is the seat of Wellington County, but as a separated municipality, the city is not part of the county. As one entity, Guelph and Wellington County have a population of 200,425.
Residents of Guelph are called Guelphites. Guelph also has a number of sister cities, which are selected based on economic, cultural and political criteria.
Because of its low crime rates, clean environment and generally high standard of living, Guelph is consistently rated as one of the country’s most livable cities: Moneysense magazine ranked Guelph fourth in the country to live in 2007, and was also rated among Canada’s ten best places to live by Chatelaine magazine.
In April 2009 Guelph was named one of Canada’s top ten places to live for university graduates, mid-career professionals, families with children, and retirees.
History
Guelph was selected as the headquarters of the Canada Company, a British development firm, by its Canadian superintendent John Galt, a popular Scottish novelist who designed the town to attract settlers to it and to the surrounding countryside.
Galt designed the town to resemble a European city centre, complete with squares, broad main streets and narrow side streets, resulting in a variety of block sizes and shapes which is still in place today. The street plan was designed to resemble a lady’s fan, many of the streets forming triangles (the segments of the fan). This technique had been used in other planned towns such as Buffalo, New York. Guelph was founded on St. George’s Day, April 23, 1827, the feast day of the patron saint of England. The town was named to honour Britain’s royal family, the Hanoverians, who were descended from the Guelfs, the ancestral family of George IV, the reigning British monarch; thus the nickname The Royal City. The directors of the Canada Company had actually wanted the city to be named Goderich, but reluctantly accepted the fait accompli.
The city is home to the University of Guelph and Sleeman Breweries Ltd.. The Ontario Agricultural College (OAC), the oldest part of University of Guelph, began in 1873 as an associate agricultural college of the University of Toronto. Guelph’s most famous landmark is the Church of Our Lady Immaculate.
Economy
Manufacturing is a leading sector, accounting for 18 per cent of employment.
The City of Guelph’s Economic Development Strategy identified life science, agri-food and biotechnology firms, environmental management and technology companies as growth industries on which to focus economic development activities.
Guelph’s major employers include the University of Guelph, Linamar Corporation, and Sleeman Breweries (recently purchased by Sapporo of Japan) among others.
Transportation
Bus
Guelph Transit provides local transportation around the city. On June 20, 2007 Guelph Transit launched a web-based system known as Next Bus. Global positioning satellites (GPS) technology and advanced computer modeling provide riders via the Internet, handheld devices (including Palms, Blackberries, and Web-capable cellular phones), or their telephones to receive accurate, real-time arrival and departure information. Intercity connections are made at the Guelph Bus Terminal.
Rail
Guelph Train StationGuelph was the first municipality in Canada to have its own federally chartered railway, the Guelph Junction Railway. This 16-mile link to the CPR is still municipally owned.
VIA Rail provides daily passenger rail service from the railway station to London and Toronto. The Goderich-Exeter Railway and Guelph Junction Railway provide freight service.
Guelph Planning and Initiatives
Click the link to see Guelph’s Strategic Plan
Guelph Property Tax Rate
Click the link to view the most recent property tax rate for Guelph.
Call Me For Your Guelph Mortgage Broker Needs
If you are currently looking for a mortgage in Guelph it has never been a better time to get financing from a Guelph 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 Guelph 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 Guelph 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 Guelph 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 Guelph 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 Guelph mortgage broker needs.