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10大理由让贷款经纪助您选择房贷!10 Great Reasons to use a Mortgage Broker

General Joanna Yang 12 Feb

1. Get independent advice on your financial options. As  independent mortgage brokers and mortgage agents, we’re not tied to any one lender or range of products. Our goal is to help you successfully finance your home or property. We’ll start by getting to know you and your homeownership goals. We’ll make a recommendation, drawing from available mortgage products that match your needs, and we will decide together on what’s right for you.

面对不同的贷款选择,您可以获得独立的意见建议。 — 作为独立的贷款专家, 我们不依附于任何金融机构或任何单一产品。我们的工作就是尽我们的一切可能帮助您在购房投资时成功地获得最优的贷款融资产品。我们会深入地去了解您的需求,根据您的目标,认真帮助您找到最优的贷款条件,和您共同制定出最适合您的贷款融资方案。

2 .Save time with one-stop shopping. It could take weeks for you to organize appointments with competing mortgage lenders — and we know you’d probably rather spend your time house-hunting! We work directly with dozens of lenders, and can quickly narrow down a list of those that suit you best. It makes comparison-shopping fast, easy, and convenient.

一站式比较各种贷款价格和条件, 从而节省您大量的宝贵时间。 — 和不同的银行及金融机构约时间谈价格、比条件会占用您大量的宝贵时间,几周是常有的 如果您把这些宝贵时间投入到房子的尽心挑选上, 一定会更划算!把贷款的事情交给我们, 我门会为您直接比较不同的银行和贷款机构的价格条件, 用最快的速度帮您缩小选择范围,帮您找到最理想的贷款方案。贷款经纪的工作就是帮助您快速、简单、方便地比较,从而确定出最优的融资方案。

3.We negotiate on your behalf. Many people are uncertain or uncomfortable negotiating mortgages directly with their bank. Brokers negotiate mortgages each and every day on behalf of Canadian homebuyers. You can count on our market knowledge to secure com- petitive rates and terms that benefit you.

我们代表您去谈判!– 很多人并不清楚该如何和银行谈判,甚至不愿意面对银行去谈。 您可以把这项工作交给我们。每一天,我们的贷款经纪都在代表加拿大的购房者去和不同的金融机构去谈判,获得更好的条件。 您可以利用我们对市场的深入了解,帮助您锁定最有竞争力的价格和贷款条件,把您的利益最大化。

4.More choice means more competitive rates. We have access to a network of major lenders
in Canada, so your options are extensive. In addition to traditional lenders, we also know what’s being offered by credit unions, trust companies, and other sources. And we can help you take care of other requirements before your closing date, such as sourcing mortgage default insurance if your down payment is less than 20% of the purchase price.

更多的选择意味着更低的价格。 — 我们Dominion Lending Centers的网络遍及全加拿大各主要金融贷款机构,令您的选择更多更广。 除了大家普遍认知的银行, 我们还代理信用社,信托公司以及其他的金融机构。在您的房屋交易日前, 我们还会协助您完成与交易相关的其他要求, 比如在首付低于20%的情况下,我们会协助您购买必须的按揭贷款违约保险, 等等。

5 Ensure that you’re getting the best rates and terms. Even if you’ve already been pre-approved for a mortgage by your bank or another financial institution, you’re not obliged to stop shopping! Let us investigate to see if there is an alternative to better suit your needs.

确保您获得最佳的利率和贷款条件。– 即使您已经从银行或贷款机构获得了提前预批的贷款, 也并不等于您不能继续和其他金融机构比较更好的价格和条件!我们可以一起看看是否有更优的选择更加符合您的需求。

6 Get access to special deals and add-ons. Many financial institutions would love to have you as a client, which is why they often offer incentives to attract creditworthy customers. These can include retail points programs, discounts on appliances, shopping clubs, and more. We do the math on which offers might be worth your attention when it comes to financing or mortgage insurance — so you get the perks you deserve.

获得优惠和返利。– 很多贷款机构为了获得更多的新客户,会经常推出新的优惠项目,比如客户积分项目,家居电器打折项目,购物俱乐部项目等。我们会帮您计算出哪个项目更划算,值得在您贷款或购置保险时更多地关注 使您获得更多返利补贴。

7. Things move quickly! Our job isn’t done until your closing date goes smoothly. We’ll help ensure your mortgage transaction takes place on time and to your satisfaction.

更快更有效率!– 我们的工作就是助您顺利完成房屋交易。交易没有完成,我们的工作就不能停止。我们将尽全力助您顺利完成交易,保证您的百分百满意。

8 . Get expert advice. When it comes to mortgage, and the housing market, we’ll speak to you in plain language. We can explain the various mortgage terms and conditions so you can choose confidently.

获取专业意见。–我们会用简单平实的语言为您解释复杂的抵押贷款和房地产市场。让您清晰地理解不同的贷款条件和条款,让您更有自信地选择适合您的贷款产品。

9 No cost to you. There’s absolutely no charge for our services on typical residential mortgage transactions. How can we afford to do that? Like many other professional services, such as insurance, mortgage brokers are generally paid a finder’s fee when we introduce trustworthy, dependable customers to a financial institution. These fees are quite standard and nearly industry-wide so that the focus remains on you, the customer.

您无需付任何费用。– 对于典型的居住房屋贷款,我们不收取任何费用。您可能会问,是谁付给经纪费用呢?和保险服务一个道理,贷款机构支付贷款经纪的佣金,来感谢贷款经纪为其带来了可信赖的优质客户。佣金的比例基本都是一个标准, 这使得贷款经纪在推荐贷款时没有更多的倾向性,而只会更注重您 也就是我们的客人的利益。

 10 Ongoing support and consultation.  Even once your mortgage is signed and paperwork is complete, we are here if you need any advice on closing details or even future referral needs. We are happy to be of assistance when you need it.

持续为您提供支持和专业意见。–  即便您的贷款文件签署完了,我们依然在这里持续为您服务。 如果您或您的朋友有任何问题,我们都非常乐于为您解答。只要您需要, 我们都在这里愿意尽力协助。

 

Dominion Lending Center (DLC) 是加拿大最大的贷款经纪公司之一,代理90+家金融机构的房贷产品,2020年成功完成700,000笔贷款,额度总计80+亿加元。我们不代表任何一家银行或金融机构,我们只代表我们的委托人!委托人无需支付任何费用!

用心助您获得条件最优的贷款是我们的职责,也是我们尽心尽力的最大目标!祝您无论自住还是投资,都可以选得理想的房产,顺利成功获得最优贷款!

Joanna Yang (647- 675 – 0286)