Smarter Loans Inc. is not a lender. Smarter.loans is an independent comparison website that provides information on lending and financial companies in Canada. We work hard to give you the information you need to make smarter decisions about a financial company or product that you might be considering. We may receive compensation from companies that we work with for placement of their products or services on our site. While compensation arrangements may affect the order, position or placement of products & companies listed on our website, it does not influence our evaluation of those products. Please do not interpret the order in which products appear on Smarter Loans as an endorsement or recommendation from us. Our website does not feature every loan provider or financial product available in Canada. We try our best to bring you up-to-date, educational information to help you decide the best solution for your individual situation. The information and tools that we provide are free to you and should merely be used as guidance. You should always review the terms, fees, and conditions for any loan or financial product that you are considering.
Each year across Canada over half a million homes are purchased and many of these purchasers will require a mortgage in order to finance these homes. That’s where Breezeful comes in. Breezeful is an online mortgage broker that works throughout Canada and the United States and helps to match up clients with potential lenders.
Breezeful works with the top banks and lending institutions across the country to ensure that they are able to offer you the best interest rates and mortgage terms to meet your specific needs. They specialize in finding their clients the lowest rates, unique and fast mortgage solutions and “alternative pathways to homeownership.”
Besides making applying for a mortgage a much easier process, Breezeful offers these key benefits to their clients:
Breezeful specializes in one main service and that is getting you the best mortgage rate and best terms for your home purchase.
Through Breezeful’s easy online qualification process they are able to understand your exact mortgage needs and can then negotiate on your behalf with some of the nation’s top banks and lending institutions. Your personal representative will find you the best rate and mortgage terms and then work with your solicitors to finalize the deal. Moving forward, your Breezeful representative is always available to assist you and answer any questions that you may have.
A home equity line of credit is a loan that uses your home as collateral. Minimum payments must be made monthly and can be worked into your existing mortgage payments. A home equity line of credit can be used to purchase a second home, a vacation property, to finance renovations or repairs to your primary home, to fund a wedding or vacation or to help with tuition costs, to name just a few. Breezeful offers a quick online calculator to give an estimate of how much of a line of credit you could be approved for or you can fill out a short application form online.
Not only can your Breezeful representative help you obtain the perfect first mortgage, they can also assist you in obtaining a second mortgage as well.
Breezeful has access to a whole list of private mortgage financiers and can negotiate the best rates possible on a private mortgage. Private mortgages are a good option for those clients that don’t qualify for a regular mortgage because they are self-employed or don’t have a regular source of income. These types of mortgages usually carry a higher interest rate however they are easier to obtain and the approval time is usually faster.
Closing costs are the taxes, fees and administrative costs that are associated with buying a home. These costs must be taken into account when determining the amount you will require for your mortgage. As a general rule, closing costs generally amount to a total of 3%-4% of the total purchase cost of the home.
While it is possible for you to negotiate your own mortgage rate, Breezeful has the knowledge, experience and connections to get you the best rate possible in the shortest amount of time with the least amount of work and effort required from you. Breezeful has relationships with all of the major lenders and financial institutions across Canada and stays up-to-date on who has the best interest rates on a day-today basis.
Breezeful works with over thirty different lending partners across Canada, including TD Canada Trust, DUCA, EQ Bank, Manulife and Scotiabank to name just a few.
Getting pre-approved for a mortgage is important to ensure that the homes you are interested in, fit within your budget. In order to be pre-approved you will have to provide your SIN number, proof of employment and income, bank account information, credit information and monthly expense information. Additional information may be required depending on your individual circumstances.
We are sorry that this post was not useful for you!
Let us improve this post!
Tell us how we can improve this post?