Why Altrua Mortgage Brokers in Waterloo?

The mortgage is likely to be the largest single aspect of your financial picture, and also your largest expense. This is why Altrua Financial Waterloo Mortgage Brokers has crafted the best possible mortgage service over the years, with a focus on lowering your rate – sometimes up to 1% lower than the bank’s rates, while ensuring that you receive answers to your questions and the best possible advise. ‘Weve looked at every angle to ensure that there is no reason that our customers would feel the need to venture to one of our competitors.

What Services do we provide?

First Mortgages Waterloo

First mortgages are out bread and butter. The primary use of a first mortgage is to purchase a home or investment property. We have access to over 20 different lenders from across Ontario and provide you with the best options, with the best mortgage flexibility and fine print in the mortgage. We believe that the highest risk mortgage in the Waterloo mortgage market, is the one that has not been shopped around to more than a few lenders. As Mortgage Brokers in Waterloo, we do this for you and make the process a breeze.

Mortgage Renewal

The mortgage renewal is an excellent time to save money. If your car were to break down after in 5 years and was up for replacement, would you not want to shop around for the best price and value, and for the features that you and your family requires at that time? Same thing foes fora mortgage renewal in Waterloo. At Altrua Financial, we can often save our customers over HALF of a % on renewal time. For the few minutes invested, the savings can EASILY be in the thousands of dollars. Imagine, for example, an all-inclusive vacation paid for EACH YEAR as a result of your one-time decision to shop your mortgage at renewal time. Connect with us and let’s see what we can do for you.

Mortgage Refinance

The difference between a mortgage refinance and a mortgage renewal is that a refinance gives you the opportunity to ‘restart’ your mortgage and access equity in your home. In other words, if you wanted to consolidate credit card or other debt, or perhaps use home equity to invest, this could be an excellent solution.  There are also options to extend the amortization by up to 30 years which can lower the payment. Usually, mortgage refinances in Waterloo require credit scores that are good to excellent – however, we do offer consolidation loans for those with poor credit, or the inability to prove income – or both!

Second Mortgages Waterloo

For those who do not meet typical lender criteria, and would like access to their home’s equity – the second mortgage can be an excellent decision. Altrua shops from dozens of second mortgage lenders to find the best lender for your situation, at the lowest cost. Then from here, we close up the financing with speed and confidence.

About the City of Waterloo Ontario

Altrua Financial is located in Kitchener Ontario, however has always considered the neighbouring City of Waterloo to be homes as well. We have helped hundreds of families and individuals in Waterloo with their mortgage financing needsover the years, and know the market very well. Allow us to share this perspective with you.

Economy

The local Waterloo economy is diversified and well positioned for the future. The City is home to major corporate presences and headquarters including Blackberry, Opentext, Sunlife Financial and Manulife Financial. These presences and dozens more continue to add local employment and spur the economy. In addition to this, The University of Waterloo and Wilfrid Laurier University are creating some of Ontario’sbrightest minds, many of who choose to remain local after graduation and many of who seed a revolutionary corporate idea. The University of Waterloo, in particular, is geared to helping students launch their ideas into corporate settings and has seend great success with this. While Laurier continues to create business management, and other advanced mindsets that are second to none.

Lifestyle and Things to Do

Waterloo offers a plethora of restaurants and weekly community activities. There is a smaller town community feel in Waterloo, alongside the excitement of groundbreaking corporations.  Alot of this community activity is focused Uptown Waterloo, However, within minutes of the City one can find some of the most picturesque country and Mennonite cultures available in Canada. For example, the town of St. Jacobs and the St. Jacobs Farmers market cater to thousands of locals and visitors every week.