The old school method of shopping for a mortgage told us to ask about the interest rate because nothing else seemed important. The new school method of shopping for a mortgage involves knowing why one mortgage is better for you than another when the rates are comparable. Using a qualified and experienced mortgage broker is one way to ensure that you obtain highly competitive interest rates but more importantly when you commit to funding your mortgage with a specific lender you will know exactly why you choose the one you did.
Your mortgage broker wears many hats, that of a mortgage supplier, a consultant, an advisor, a mortgage manager and an educator. Bank branches can't possibly scrutinize several mortgage plans and provide neutral education to the borrower, while the mortgage broker's responsibility to you is to shop around, compare and educate. Ultimately, your mortgage broker is committed to preparing the most effective plan regardless of the supplier.
Using a mortgage broker is a logical choice. Using a mortgage broker with their Accredited Mortgage Professional (AMP) designation (the AMP designation sets a single national proficiency standard for Canada's mortgage professional) is the smart choice.
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