现在考虑以下三个

one link
http://www.onelinkmortgage.com/

comfree
http://winnipeg.comfree.com

a+ financial service
http://aplusfinancial.com/

有人用过吗？我的 JJ 推荐给我第一个，考虑中……

Thanks

为什么不用银行的呢？
我感觉大部分的银行和金融机构都差不多的
我觉得丰业银行的NIKKI很好
非常专业，非常负责

这个问题问的好

我跟JJ谈的时候，他是说，如果我去 bank，他们给的 rate 我不满意，那么我必须再去另外一个 bank 或者 credit union，我必须重新再被审核一次
而每次 check credit 的时候都会被扣分的，这个大家都知道
所以我去的 bank or credit union 越多（为了找一个自己最满意的 rate），那分就可能扣得越多

逻辑上我觉得有道理，所以我自己回来查了一下，找到这篇文章 http://www.bankrate.com/brm/news ... 4Can/broker_can.asp

所以感觉还是找个 broker 方便点，只审核一次，他们提供最“理想”的 lender

应该可以自己直接申请credit report, 自己直接申请是不扣分的，有效期90天，你可以自己复印之后给有兴趣贷款给你的银行看，如果可以拿到你满意的贷款利息，再让他们去check 你的credit
但是不否定，找一个好的broker确实是一条省钱省力的路

[ 本帖最后由 妍妍 于 2008-1-12 21:38 编辑 ]

Nono,银行的人告诉我说如果你的CREDIT好的话，每次别人check是不会被扣分的
如果不好的话，就每次被CHECK时会扣分的
而且你去银行跟人谈RATE的时候是不会被直接CHECK CREDIT的，只有你决定在他哪里做的话，才会被CHECK的呀

问LS的，怎样申请自己的CREDIT REPORT？

[ 本帖最后由 raina7 于 2008-1-12 22:43 编辑 ]

每次check credit会被扣5-30分，而且check越频繁扣得分越多
3 major credit reporting egencies:equifax, experian, transunion

也可以问一些律师啊！
银行还是首选。其次是CREDIT　UNION
Scotia Bank, TD, CIBC, BMO.
all good.... but Scotia Bank is easier!

引用:

原帖由 raina7 于 2008-1-12 19:13 发表
为什么不用银行的呢？
我感觉大部分的银行和金融机构都差不多的
我觉得丰业银行的NIKKI很好
非常专业，非常负责

有没有会说中文的，，我英文不是很好，怕不明白了！

丰业NIKKI和汇丰CARMEN都说中文

If you want to pay the highest interst rate, bank is a good choice. If I were you, I will go with a good broker. Remeber, a broker works for you. A personal banker works for the bank. A broker's best interest is how to keep you as his or her customer. A banker's goal is to make you pay the highest interest possible.

You may try:

Jeff Sparrow - 999-7543
Fax: 474-1401
Mortgage Consultant
Mortgage Intelligence - A GMAC Company
www.mortgageintelligence.ca/jeffsparrow

[ 本帖最后由 Yan 于 2008-3-6 08:45 编辑 ]

i am using a guy named Daryl currently

he is very patient and able to explain many things clear to me.

i think he is ok so far.

he proposed a 5.8% fixed 5-year term, is it good? i don't think it's low enough, but maybe acceptable. we might change to variable later; we'll see

I haven't talked to our Mortgage guy for a while. I think you better go with a variable mortagage, at least for now. The central bank of Canada will keep lowering interest rate this year. 5.8% is too high, but fixed terms are always much higher than variable. My co-worker has been using a variable mortagage for many years now. His wife works for the CIBC. He said the rate was never higher than the fixed rate.

You should consider another mortgage broker. He should know better. Which mortgage provider did he recommend?

I will try to talk to my current one next time I see him; last time we met, he suggested to use variable too, but I didn't have enough finance knowledge to understand what he was saying (I still don't now), so I need to spend some time to learn this first, then ask the right questions next time.

he is proposing TD to us