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WHY CHOOSE A MORTGAGE BROKER...

This is the one question that I get asked the most, Why choose a mortgage broker? What do they have that I can't get from my own bank. and What does a mortgage broker do for me? To answer these questions let's take one at time. What can a mortgage broker offer that a bank can not?  A mortgage broker first of all gives you choice! They also give you expert advice, Most mortgage brokers have ...

Centum Financial Group Appoints New CEO

Centum Financial Group Appoints New CEO   VANCOUVER, BC (February 4, 2014) – Centum Financial Group, part of the Charlwood Pacific Group of companies (CPG), is pleased to announce the appointment of Martin Charlwood to the role of Chief Executive Officer. Concurrently, Don Lawby will be retiring from his important role as President and Chief Operating Officer of Centum Financial ...

Looking at the Bigger Picture

All parties – bankers, lenders, mortgage brokers — have a responsibility to perform due diligence with every valued client we deal with. However, there is one step that is either over looked, or not valued, by some folks in this business. And it is a step that I feel should probably be held in the highest interests: placing our clients in a mortgage that will be serviceable not just today, ...

Centum Mortgage Brokers do more than just mortgages...We help people lives

In the past few months, I have notice an incredible up take in mortgage transaction from our group. Our office,  Centum Professional Mortgage Group, which is located in Lethbridge, Alberta, has a reputation that our brokers go above and beyond the call of duty. Last month, one of my associate Chris Marriner, did a mortgage for a new to Canada. The mortgage was very straight forward and most associate ...

Housing Bubble?

CTV reported that Minister Flaherty stated he would act again if needed to cool an over heated market.  For most Canadians this could translate in to stiffer rules when applying for home financing.  For most existing home owners changes would only have an impact if they choose to purchase a new home, refinance their existing mortgage, or at renewal time. When the United States had the market ...

Are rates going up? or down?

Everybody has been seeing the interest rate of late going up but are the rates increase here to stay? The biggest question I get asked is what are the interest going to do in the next 5 years.  Well If I knew the answer I would be a very rich man.  But there are signs in the market that gives us indication on what the rates may do. The word from USA was that the government was not going ...

Love your shoes Love your mortgage

I have three beautiful ladies, my two daughters and my wife  that live with me and one thing about my ladies is that they love their shoes. When I was shopping with them,  buying shoes of course, they mentioned they were looking to buy their  20 minute shoes. What the heck is that? I had to ask. My daughters and my wife explained this way: The 20 Minute Shoes, are shoes that are ...

Are you afraid of Debt?

The better question should be, who is not afraid of Debt ? After all, we would all like to be in the situation where your mortgage, your car loans or any credit debt is paid off.  This scenario may not be realistic for most of us. I know that it is not realistic for me. However learning to live with your debts is a more reasonable goal to achieve.   Having a plan that allows you to see ...

What will a rate increase mean for you?

With the recent interest rate increase mainstream media has published doom and gloom scenarios about what will happen to the average Canadian home owner.  In a recent article in the Globe and Mail the headline read: "Sink or swim: How will you cope with higher mortgage payments?" We all know that bad news sells.  For most people looking at their personal finances a large jump in mortgage ...

Rates on the rise?

We were promised increases in mortgage rates and it appears we were not let down.  Current Mortgage Rates as at Tuesday August 20th - Prime Rate for Variables is still 3.00% Please note that rate discounts may be available for quick closings (30 to 60 days) 4 Year Fixed: 3.29% 5 Year Fixed: 3.59% 10 Year Fixed: 4.19% Variable 5 Year: Prime -.4% (2.60%) Bank of Canada Benchmark Rate: ...
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