Best Mortgage Rates Clearview

Purchasing a home in a beautiful part of Clearview, has you thinking about the mortgage brokerage you’re going to choose. Mortgage Wellness – Clearview puts an end to your search, providing you with the best rates and amazing service on your mortgage.

Experience – Trust – Integrity

Gerard Buckley is equipped with the necessary experience to help you with your mortgage. After having spent over 40 years in the banking and finance industry, he can connect you with a variety of specialized lenders and cater to your specific needs. One of his strongest qualities is that he can connect you with various lenders which include : Schedule I banks, credit unions, private lenders and more. Gerard Buckley works hard for all his clients, whether they are self-employed, first-home buyers, seniors, new Canadians, investors, and everyone in between.

Having the perfect mortgage broker really makes a difference in your home purchase. In today’s complex mortgage environment, you need a mortgage broker who has sufficient experience in the interest rate market and can navigate the ever-changing regulatory environment. Since the federal government is constantly implementing new loan requirements and restrictions, your mortgage broker needs to be aware of the changes. Fortunately, Gerard Buckley understands how regulations affect interest rates and mortgages and is here to help you and your family.

The Regulatory Environment

In the fall of 2016, the Canadian Mortgage Housing Corporation (CMHC), which insures Canadian mortgages in case a borrower defaults, implemented a new regulation to increase default prevention. The result of this regulation is that now all insured mortgages require a stress test to determine if the borrower can weather a sudden increase in interest rates. This stress test has two sides, it may facilitate the process for people with strong credit to obtain a low-rate mortgage, however it will make it more difficult for those with weaker credit ratings. Recently, there has also been a push for lenders to share the cost in the event of a default, which poses a significant risk to interest rates and may cause them to rise even more.

As a result of constantly changing regulations, it is harder for someone who lacks the proper education and experience to be aware of all these changes. Therefore, it is extremely important to have a mortgage broker by your side who is aware and willing to navigate the mortgage market. Gerard Buckley is committed to finding an appropriate mortgage for you and understands all of the changes occurring within the mortgage regulatory environment.

Gerard Buckley has spent over 35 years working at an investment bank where he advised Fortune 500 companies on their interest rate risk and currency exposure. This ensures that by hiring Gerard, you are guaranteed to be working with someone who is committed and experienced in the current market conditions.

Interest Rate Complexity

To one, Interest rates may seem simple; however, they can vary significantly from lender to lender and are based on a variety of factors, both within and out of your control. Notice that variable-rate and insured mortgages will often have lower rates than fixed-rate and uninsured mortgages, depending on your choices. Variable rate mortgages put more of the risk on the borrower, so naturally it would have lower rates. For an insured mortgage, the lender is less exposed and will receive some money back if you default, leading to lower rates for insured mortgages.

Interest rates are impacted both by controllable and uncontrollable factors. For example, interest rates are mostly affected by market conditions, economic conditions, and the actions of the Bank of Canada. All of these forces make it very difficult to keep track of rates and to understand when it is a good time to acquire a mortgage. Gerard Buckley is here to help you find the best mortgage rate in Clearview and will help you navigate this regulatory and economic maze thanks to his experience

Making a Difference to The Communities We Work and Live

In addition to helping his clients achieve their financial goals, Gerard is committed to helping his local community. Mortgage Wellness – Clearview and The Buckley MacDonald Youth Fund actively support many different organizations including: Theatre Collingwood’s Youth Drama Camps, The Blue Mountain Village Foundation, as well as The Army Cadet League of Canada. Gerard donates 10% of all sales to these causes, which has resulted in his achievement of The Queen’s Golden Jubilee Medal.

Financial Market Expertise

Gerard is well aware that finding a suitable mortgage brokerage and the best mortgage rates in Clearview can be quite tedious and difficult. This is why Gerard is so committed to his clients and to help them find the best and most suitable interest rate for their family. Fortunately, Gerard Buckley has spent much of his career advising Fortune 500 companies on their interest rate exposure and is well equipped to help his clients handle their finances. In addition to his experience, Gerard has also invested in real estate for over 15 years and knows the mortgage acquiring process like the back of his hand, making him a great candidate as your mortgage broker in Clearview.

Gerard Buckley – Licensed Mortgage Agent with over 40 years of banking and finance experience @jaguarmortgages and www.jaguarmortgages.ca would be pleased to assist you consider your Real Estate Financing alternatives.

You can be assured that Gerard will treat your Mortgage and Real Estate Decision like it is his own.

Please Call Gerard at 866-496-4028 for a complementary consultation.