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Brad Jackman, VP Investment Advisor, TD Waterhouse
Given the significant drop in interest rates over the past year, I have received several inquiries regarding Vancouver mortgage financing locked-in vs.. floating-rate mortgages, home equity lines of credit and the advantages of refinancing a mortgage when penalties are involved. While I cannot provide financing directly, one of the reasons I moved to TD was to capitalize on the incredible relationship we have between TD Canada Trust and ourselves at TD Waterhouse, Private Investment Advice.

 

In addition to the services I am able to provide through TD Canada Trust, I am also pleased to introduce Jared Dreyer, an independent mortgage-financing specialist I have previously used both personally and introduced several clients to with excellent feedback. Jared is an independent Accredited Mortgage Professional with over 16 years experience in the mortgage industry. He has helped over 5000 clients in the Fraser Valley and Greater Vancouver buy homes and restructure their mortgage financing.

 

Having access to both traditional bank financing and an independent mortgage specialist has provided my clients with the confidence that they are being provided the best financing options available. A recent discussion with Jared yielded the following insights:

 

If your mortgage rate is higher than 5.00%...

Then you need to take a closer look. Depending on your lenders costs and terms for getting out of the mortgage, you could be in a position to save thousands of dollars simply by moving your mortgage to another lender with a lower rate

 

If you are in a variable mortgage that closed earlier than November 2008...

And your rate is Prime minus anything, you need to stay the course. Variable rates are now set at Prime plus, which is still a good rate considering Prime is now as low as 3% and expected to drop again.

 

If you have any large purchases, renovations, or require access to flexible lending products...

Now is a great time to borrow funds at low interest rates. There is no reason why anyone should pay high interest rates in this environment.

 

If you have any questions at all about mortgages, financing, lines of credit or the mortgage or real estate market in general, feel free to contact me directly so that I may introduce you to the proper specialist here at TD Canada Trust. I also encourage you to contact Jared directly at 604-649-5991 or email Jared

 

 

Brad Jackman
V.P. Investment Advisor
TD Waterhouse
604 541-2073

In addition to the services I am able to provide through TD Canada Trust, I am also pleased to introduce Jared Dreyer, an independent mortgage-financing specialist I have previously used both personally and introduced several clients to with excellent feedback. Jared is an independent Accredited Mortgage Professional with over 16 years experience in the mortgage industry. He has helped over 5000 clients in the Fraser Valley and Greater Vancouver buy homes and restructure their mortgage financing.

 

Having access to both traditional bank financing and an independent mortgage specialist has provided my clients with the confidence that they are being provided the best financing options available. A recent discussion with Jared yielded the following insights:

 

If your mortgage rate is higher than 5.00%...

Then you need to take a closer look. Depending on your lenders costs and terms for getting out of the mortgage, you could be in a position to save thousands of dollars simply by moving your mortgage to another lender with a lower rate

 

If you are in a variable mortgage that closed earlier than November 2008...

And your rate is Prime minus anything, you need to stay the course. Variable rates are now set at Prime plus, which is still a good rate considering Prime is now as low as 3% and expected to drop again.

 

If you have any large purchases, renovations, or require access to flexible lending products...

Now is a great time to borrow funds at low interest rates. There is no reason why anyone should pay high interest rates in this environment.

 

If you have any questions at all about mortgages, financing, lines of credit or the mortgage or real estate market in general, feel free to contact me directly so that I may introduce you to the proper specialist here at TD Canada Trust. I also encourage you to contact Jared directly at 604-649-5991 or email Jared

 

 

Brad Jackman
V.P. Investment Advisor
TD Waterhouse
604 541-2073