Are you ready to take the first steps towards becoming a property owner? We are ready to help you. We provide trustworthy mortgage services to ensure that you do not make any costly mistakes during the home financing process. CMB offer residential and commercial mortgages, mortgage refinancing, second mortgages, private mortgages and construction mortgages amongst many other services.
We not only possess the experience in the industry, but also have built a number of relationships throughout the industry which helps us secure your financing at the best rate and term you prefer.
We started the brokerage after realizing the void in the Canadian Mortgage industry for customer oriented approach with ethical business practices and experience in the business.
Acting like an intermediary between you and the lender, with experience and preferred partner status with the most trustworthy mortgage lenders, to carry your interest forward.
We understand that each borrower comes with a unique set of requirements for personal and financial, as well as different aspirations. Our goal is to understand each situation, and represent each client in the most professional and courteous way.
Although we are big enough to have a presence in the wider industry, we are still small enough to ensure that our clients enjoy individualized attention. This ensures that clients are offered a solution tailored to their needs. We also ensure that we lay out the best mortgage options available to them in a concise and clear manner. Please don’t hesitate to get in touch with us so that our hard-working staff can discuss how we can help you!
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A mortgage allows you to purchase real estate without having to pay the whole price up-front. Instead, you pay a certain percentage of the price to the lender, which is called the down payment, and the loan proceeds will take care of the remainder. You then pay off the loan by making regular payments, which cover both the interest on the loan and some of the principal.
At the end of the term, however, your mortgage may not necessarily be paid off and thus, you will need to renegotiate with your lender for a new mortgage or work with a new lender.
Interest rates may be fixed or variable. Fixed rates are set for the whole term of the loan, while variable rates may change depending on market rates. While variable rates are generally lower than fixed rates over the term of the loan and save you money, it is still difficult to predict which will ultimately be the more low-cost option.
The size of your mortgage payments will be determined by the amortization term. This refers to the length of time over which you will pay the loan. For instance, you can choose to pay off the loan over a 20-year or 25-year term. There are a number of factors to consider when choosing your amortization term. A shorter term means that you will make higher payments, but save money on interest, while a longer term means smaller payments but higher interest costs.
I would just like to thank Certified Mortgage Broker Toronto on behalf of me and my husband. Everything worked out perfectly and we got an excellent rate. We picked up our keys and everything is great. Could not recommend them enough. Excellent service and excellent team. Thank you.
I don't usually write reviews, but with CMBT I felt obliged to. Absolutely AMAZING service, I never chased these guys and they were always very clear with my options. They went above and beyond to find me the best rates and were very clear and understanding. They explained everything and made the whole process easy, I really could not recommend these guys enough.
Great guys and great service. The whole process was quick and done very professionally. They had the best rates we could find and were very helpful with explaining the whole process and all our options. Will absolutely be using them again.
After my first bad run in with mortgage brokers I had a coworker refer these guys to me, and I can honestly say this was a quick, easy and all around great experience. Being a first time home buyer I was kind of worried I was getting in over my head, but the team At CMBT was very understanding. They walked me through the whole process and answered all of my questions. They found the best rates and we went over them together. These guys are honestly a pleasure to work with and I would absolutely recommend you check them out if your looking for a high quality mortgage broker service.