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Lisa Collett

Lisa Collett

Mortgage Agent

CENTUM Superior Mortgages Corp.

38 Duffy Place

St. John's, NLA1B 4M5
Direct: 709-757-0126 Cell: 709-727-0605 Personal Fax: 709-757-0032

Welcome to my Website

I am an independently trained professional licensed to represent and provide you with the best advice for your mortgage and financing needs. With my prior experience as a business owner and as a Real Estate Professional, I can bring an unique understanding to many situations.

My primary expertise is locating funding for mortgage financing. I know which lenders have the best rates and I negotiate with multiple lenders at one time. What's more, I know the system and have the industry knowledge required to present a proposal for financing to lenders to successfully obtain mortgage financing. I take great pride in the service I provide and rely on referrals and your repeat business.

I am not an employee of any lending institution, so I am not limited in the products I can offer you. As a full service mortgage professional, I work closely with you and your lender as well as your real estate representative, lawyer, appraiser and home inspector to ensure that your transaction proceeds smoothly. In most cases there is no cost to use the services of a Mortgage Professional. You don’t pay me. The bank or lending institution does.

With the wide assortment of options and features available for mortgages today, shopping around takes significant time and effort. The mortgage process in today's marketplace is intimidating to many homebuyers so it pays to have a mortgage professional on your side to ensure the mortgage is right. I utilize the latest information from lending institutions, and the negotiating power of Canada’s most influential mortgage brokerage.

I will work to find you the best mortgage at the best rate.

I look forward to hearing from you soon!

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CENTUM Superior Mortgages Corp.
  Lowest Rates* in Canada
  Term Our Rate Bank Rate
  3 Yr Fixed 3.69% 4.45%
  5 Yr Fixed 3.79% 5.54%
  Variable 2.25% 3.00%
Updated: July 8, 2011
We have the best rates on
a wide range of products.

Most Canadians understand that it is important to have a good credit score, but do we really understand what that means, or how to get one?

Your Credit Report

Your Credit Score

A good credit report and credit score are important factors in determining whether or not you will be approved for a mortgage. Here are some simple steps you can take to maintain a good credit history — and improve your chances of being approved.

What is a Credit Score?

Your credit score is a number that illustrates your financial health at a specific point in time. It also serves as an indicator of your financial past, and how consistently you pay off your bills and debts. This is one of the factors mortgage professionals consider in qualifying you for a mortgage.

How to Check Your Credit Score

To find out your credit score, contact Canada’s two credit-reporting agencies:

Balancing your CreditFor a fee, these agencies will provide you with an online copy of your credit score as well as a credit report — a detailed summary of your credit history, employment history and personal financial information on file. You can also obtain a free copy of your credit report by mail. If you find any errors in your report, notify the credit-reporting agency and the organization responsible for the inaccuracy immediately.

If You Do Not Have a Credit Score

It’s important to begin building a credit history as early as possible. You can begin to build one by applying for — and responsibly using — a credit card. Your financial institution or CENTUM mortgage professional can help.

How to Improve Your Credit Score

Demonstrating your ability to manage credit is key to maintaining a good credit score. There are a number of things you can do to improve your credit score. These include:

  • Always pay your bills in full and on time. If you cannot pay the full amount, try to pay at least the required minimum shown on your monthly statement.
  • Pay off your debts (such as loans, credit cards, lines of credit, etc.) as quickly as possible.
  • Never go over the limit on your credit cards, and try to keep your balances well below the limits.
  • Reduce the number of credit card or loan applications you make.

Once your credit score has improved; work with your CENTUM mortgage professional to obtain a mortgage that works for you.

Courtesy of:
Canada Mortgage and Housing Corporation
If you would like more information about how I, as a CENTUM Mortgage Professional, can assist you in ensuring that your best interests are looked after please do not hesitate to get in touch with me.


Lisa Collett
Phone: (709) 757-0126
CENTUM Superior Mortgages Corp.
33 Pippy Place
St. John's, A1B 3X2, NL
*The posted rates on this newsletter represent the best typical discounted rate available from our preferred lenders to borrowers with strong credit of 680 beacon or greater, qualifying income and assets, and no late payments. Rates may vary between geographic regions and the posted rate on this newsletter may not be available in your area. We understand that no two consumer mortgage requirements or credit profiles are identical, so please contact me to discuss your individual requirements. Lender rates change often and are subject to change without notice.

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