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Peterborough Home Loans

How to find the best Peterborough Home Loans

There are many different kinds of Home Loans available to consumers. A checklist can be of great use to anyone that is looking to borrow money from banks and financial institutions so that you can figure out which one is best for your particular set of circumstances.

The first step is to figure out what kind of loan you are looking for and the type of loan that you need. This depends on what you are planning on doing with the loan. The loan could be for:

  • Existing mortgages, refinancing
  • Debt consolidation
  • Releasing equity
  • To buy a property to invest in
  • To build your dream home
  • Upgrading or renovating it with a touch of grandeur for long lasting appeal

Filtering process

Every lender has different criteria that they use to approve you for a home loan depending on what the loan is for. They also have different mortgage and loan products depending on what you want to do. For instance, in Peterborough home loans have been approved for people wanting to build their home from the ground up. There are lenders that specialize in these kinds of loans.

A mortgage broker will help you navigate the different options so that you can find the best home loan for your circumstances. However, before you sign any paperwork or agreements always make sure that you:

Read the terms and conditions

Your mortgage broker will review the terms and conditions of any mortgage or loan that they recommend with you so that you clearly understand every clause in the agreement. If you cannot understand the terms of the loan that you are being recommended, then don’t sign. Your mortgage broker will help you through this minefield. Finding the right Peterborough home loans provider, can take a bit of time, but it is completely worth it so that you can find the right lender for your set of circumstances.

Make sure that you understand the rate and frequency of payments/

  • The overall terms of the loan and the amount that must be paid back, including interest rate and frequency of payment
  • Whether the property taxes are included or excluded in the payments

Compare Rates

When you do the comparison of rates, check to see what rate the lender is offering you, whether it is fixed or variable, or what the term of the loan is. You should also check the amortization of the loan. Some lenders will go as high as 35 years amortization. There are options which include variable interest or fixed interest rates.

If you are looking for a construction loan, typically the lender will provide the funds to you at different stages as you complete the building project that you are working on.

Typically, people who choose a fixed rate of interest are a little more risk averse. However, in Peterborough home loans come in all shapes and sizes and with the right direction, you should be able to find a mortgage home loan that is right for you.

WHAT PEOPLE ARE SAYING…

  • “Rent-to-own made possible”
    We would like to thank Matthew and his team. We put a lot of money down on a Rent to Own property that we were renting, but we could not get anyone to help us out till we found Mathew. He made it happen and closed on time when know no one else could. From all of us here THANK YOU! We now own our own house!

    C.T., HAMILTON, ON
  • “Best Mortgage Team I've worked with”
    Matthew and his team are the best mortgage team I have ever worked with. They are extremely hard working and bend over backwards to get the job done no matter how complicated or difficult. If there is a way – they will find it. And it will be in YOUR favor. Matthew goes out of his way to set you on a path of success. This is our second mortgage process we have gone through with Matthew, and we are in a better position now than we were the 1st time – all due to Matthews efforts and guidance. After following his recommendations and guidance over the next year we will use Matthew again for our next mortgage and be in an even better position then. If you need a mortgage done, no matter how complicated, call Matthew. He’ll make it happen.

    M.Z. BRANTFORD, ON
  • “No hesitation recommending”
    Matthew’s knowledge, experience and above and beyond work ethic sets an exemplary standard of professionalism and accountability. His integrity and drive is second to none… He truly is a miracle worker!! I have no hesitation in recommending his services to anyone seeking expert assistance. I’m beyond grateful and blessed!!

    M.D., BINBROOK, ON
  • “A tough deal that others could not do!”
    Access mortgage did a great job in getting us a mortgage. It was a tough deal and they were able to get it done when others couldn’t. I would not hesitate to use them again.

    BEA - CAMBRIDGE, ON
  • “Seamless from beginning to end!”
    I just want to say 'thank you' to all of you, especially Matthew. The financial stress started affecting my health and my life. I could not sleep or focus at work. Now it has given me control on my life by connecting me to a great lender. I have gone from being full of stress to being stress-free.

    JULIE - HAMILTON, ON
  • “From full of stress to stress-free”
    I just want to say ‘thank you’ to all of you, especially Matthew. The financial stress started affecting my health and my life. I could not sleep or focus at work. Now Access Mortgage has given me control on my life by connecting me to a great lender. I have gone from being full of stress to being stress-free.

    M.D., MISSISSAUGA, ON
  • “Patient with deep understanding”
    Thank you for all the help that you gave me, most patiently and with deep understanding. I was very comfortable asking you everything and anything. Your team did great job in making me understand the financial side. I have learnt a lot. Thanks to Matthew for taking time to come to my place. He not only did his work, but for a short time, took me back to most nostalgic memories of my life, before I came to Canada. I am also grateful to the lawyer for coming to my place to meet with me, and quickly closing the mortgage and releasing the funds.

    S.S., MISSISSAUGA, ON
  • “Got creditors off our back”
    I can’t say enough how great your company has been. Matthew, thank you so much for making all of this process so easy for us. Our bank would not help us and you were amazing. Your company kept us informed every step of the way, and not once were we made to feel inferior like our bank did. The lawyers you set us up with were also awesome. I will highly recommend your company to anyone looking for mortgages. Thank you so much for getting creditors off our back and setting us on the right track. You guys are all amazing. I’m also so impressed that you came to us do to everything.

    K.K.P., HAMILTON, ON
  • “Best mortgage team I’ve worked with!”
    Matthew and his team are the best mortgage team I have ever worked with. They are extremely hard working and bend over backwards to get the job done no matter how complicated or difficult. If there is a way – they will find it. And it will be in your favour. Matthew goes out of his way to set you on a path of success. This is our second mortgage process we have gone through with Matthew, and we are in a better position now than we were the 1st time – all due to Matthews efforts and guidance. After following his recommendations and guidance over the next year we will use Matthew again for our next mortgage and be in an even better position then. If you need a mortgage done, no matter how complicated, call Matthew. He’ll make it happen.

    C.H. - ST. CATHARINES, ON
  • “Extremely Fast!”
    Access Mortgage was extremely fast and explained everything well. We were very happy with their professional service and honesty. I would definitely refer them.

    LISA - BRANTFORD, ON
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