Find the Best Mortgage Rate in Salaberry-de-Valleyfield

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5-Year Fixed 5-Year Fixed
Purchase price $500,000 $500,000
Down Payment $25,000 $25,000
Rate 5.09 4.86%
Your Mortgage amount $494,000 $494,000
Monthly payment $2,900 $2,835
Your Cashback Savings ... $3,900

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Mbanc is Canada’s leading mortgage brokerage with access to dozens of banks, mortgage lenders, trust companies and credit unions. This gives us the edge to negotiate the best mortgage rates for you, even better than your bank’s or other brokers’ mortgage rate offers!

Mbanc is heavily invested in technology. We understand Covid changed a lot of things and we adapted. You are assigned to one of our knowledgeable mortgage advisors from the first contact to help you with your questions. You are then directed to complete your mortgage application online on a computer or a mobile device. You can even complete the application over the phone on a recorded line! We’ll send you a secure link once we create an online account for you. You can upload all your requested documents here and access them anywhere, any time and even track the progress of your file. Once your file is reviewed you can review the best mortgage rates with your Mortgage Advisor and compare the benefits of what works best for you! Where many other companies just focus on the rates this phone call has save our clients thousands of dollars in the long run. Once you confirm you acceptance to our Best Mortgage Rate Upfront, you will receive a commitment to your approval while we complete all your conditions and get your file ready for funding. And don’t forget, upon closing within 10 days you will receive our Cashback into your account – Enjoy the savings!

We don’t do credit checks on your file until you are satisfied with our Mortgage Rate! Our quick and easy application can be completed on your desktop or any other device. You have access to your account anywhere, anytime! The application should take approximately 10 minutes to complete, and you can upload your documents requested online. We like to be thorough so we can better present your application and scrub it against all mortgage lenders for the best mortgage rate. If we need to clarify anything, we’ll call you do discuss your file. The application captures your personal information, current residence, employment & income information, details on your subject property and your liabilities to build a scenario that is acceptable to potential lenders. As qualification gets harder with all banks, all the information we can have helps us get a better deal for you!

We don’t do credit checks on your file until you are satisfied with our Mortgage Rate! It’s all a numbers game. We work hard to collect every tiny detail on your application and before we sent it to our lenders. Once you agree to our best Mortgage rate upfront, we conduct a credit check. If everything is exactly on the application, we guarantee your mortgage approval! Due to constantly changing criteria and rates, we do not guarantee the specific lender. However once we approve it, we stand behind it!

We work with all the best mortgage lenders in Canada, so the document requests can vary from bank to bank. We offer an easy and secure account where you can upload all your documents anywhere, anytime. We require the following documents to complete your file, but may need additional paperwork based on lender requests:
Employed: Letter of Employment dated with in 30 days of receipt, 2 paystubs, 2 years T4 and/or Notice of Assessment

Self Employed: Business Registration, T1 Generals, Notice of Assessments, Bank Statements

Purchase: Purchase Agreement, MLS Information Sheet, Proof of deposit and downpayment for 90 days, any builder or Agreement completion documents, Condo Status certificate.

Refinance, Renewals or Home equity loans: Mortgage statements, Property Tax Bills

Our mortgage advisors are also underwriters. That means, they have the knowledge required to accept, review, approve and submit your mortgage file to lenders. Every client is paired with a mortgage advisor, and an assistant to the mortgage advisor…so there are No Dropped Balls! Your Mortgage advisor is available to you throughout the mortgage approval process, and even after that. You can email, chat, text, call your mortgage advisor, and if there’s ever an issue ask to speak with the manager and we’ll be on top of it! Our best mortgage rate upfront model is entirely dependent on quality service and good financial advice, so we will get you the best rate, every time and make you smile, every time!