It’s imperative that you start talking to specialists months before you plan to start making offers
Mr. Heath says there’s also something to be said about the value of having all your banking under one roof. For example, if you bank daily with a Big Six institution, and use their investing platform and credit cards, then it could be nice to have your mortgage there too so that it’s easy to track your finances online in one spot.
Mr. Heath said a good online platform can also allow you to make changes to your mortgage or early payments online, while other lenders might require you to call in and wait on hold. If bells and whistles aren’t your thing, Mr. Heath says mortgage brokers who work with a large number of lenders will be your best bet to find the cheapest rate .“If you’re going to deposit your money somewhere, it’s a concern if you’ve never heard of them, but if you’re borrowing it’s not as much of an issue cause you’re the one with their money,” said Mr. Heath.
Interest rates aren’t everything. Consider hidden fees associated with smaller lenders, and perks such as better online banking platforms and discounts of banking feesFollow
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