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YOUR MORTGAGE EXPERT

Kiah Grant

 for life

 

[Thank you for your patience as we work on building my new website]

why work with a mortgage broker rather than your own bank?

 

Because you have options. 

Your bank can only tell you about what they can offer, and it may not be the absolute best available. Unlike your bank, I can shop the entire market for you. 

Going online to learn about mortgages and rates can be an overwhelming experience. I can use my 25 years of industry experience to find the mortgage that is the best fit for you. 

Qualifying has become complex due to recently increased regulations and a rapidly changing financial landscape. Whether you are a first-time homebuyer or a seasoned investor, I can simplify the process to ensure you get the right mortgage working for you. 

 
 
Kiah walked us through each step of the way. It was easier and less stressful than I thought it would be. And the best part was that she felt like a partner—she worked really hard to help us and to provide options. I’d highly recommend Kiah. She will be the first person we call when we consider our next investment.
— Nancy Pagé, Vancouver Island
 
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My services are free! 

The lender pays the fees for you. We use our large network of brokers across Canada to negotiate the best possible rates based on volumes with each lender.

In addition to great rates, I can help you with:

 

REFINANCING
Do you need funds for a kitchen renovation? Would you like to consolidate debt?
 
Or perhaps your mortgage is coming up for renewal and you aren’t sure if your bank is offering the best possible rate?
 
Whatever your need, I can guide you to accessing equity or get you the best rate for your household.
 
RENEWING
Stop! Don’t sign that renewal form!
 
Usually a lender will send you a higher than market rate hoping you will just sign and lock in. You’re likely are giving a lender thousands of dollars more than you should and lengthening your mortgage without even knowing it.
 
You’re not obligated to continue with your existing lender once your mortgage matures. I will shop the market and save you money.
 
RENTAL/INVESTMENT PROPERTIES
Recently, there have been sweeping changes surrounding rental property purchases and refinances. I can guide you to the right lender if you are looking to buy a rental or holding property.
 
FIRST-TIME HOMEBUYERS
First-time homebuyers are my favourite kind of clients. I really enjoy helping people to realize a lifetime dream.
 
I will guide and inform you every step of the way. I want to ensure your experience is one that will start a lifelong relationship with your broker.
 
MOVE UP BUYERS
Your first move should be to call me.
 
With historically low interest rates it’s worthwhile to explore what other lenders are offering in the marketplace. Even if you are mid-term of an existing closed mortgage, I can quickly assess your situation and recommend the best direction for you.
 
SELF-EMPLOYED CLIENTS
Self-employed buyers have a unique position in the market. Those who legitimately use tax write downs to lower taxes or only draw out a small salary/dividend can be impacted drastically for mortgage qualification.
 
I have working knowledge and access to various programs to provide solutions as well as planning advice if you are looking to buy in the future.

 
 

I work for you, not the banks.

 
 

I work with a variety of lenders allowing me to shop rates and terms beyond your bank.

And, I do this with access to up to the minute rates and information, in a quickly changing marketplace, this is crucial. My services do not stop once I have you approved, if rates improve after you qualify, I will inform you and make sure you get the best possible deal.

You can rest assured knowing I am looking after your best interest, so you don’t have to watch the market constantly.

 
 
After discussing my housing needs and providing her with some simple required documentation, Kiah was able to line me up with a pre-approved mortgage in record time. Kiah was sensitive to my needs, efficient, responsive and forthcoming on all questions I had. I highly recommend Kiah, without hesitation.
— Sean Earl, Hong Kong
 
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Here's how it works.

 

The first step in the process is to fill out an application. This process is free and non-committal. No credit check will be conducted and no information will be shared without your consent. This step is for me only and intended to provide me with an overall sense of your financial profile and your specific needs in order to make informed recommendations for you.

After reviewing your application I will:

 
  • let you know If there are any weaknesses in your application and provide recommendations to address them prior to applying;
  • tell you your maximum purchase price and mortgage amount including criteria for your down payment;
  • inform you about the documentation you'll need including deadlines;
  • provide the names of the lender (s) I feel would be your best fit, along with their rates and terms;
  • explain in detail the general buying/contract process;
  • all the costs you should expect during the process;
  • provide referrals to expert partners if needed, such as realtors, notaries, etc.
 
 

mortgage rates

 

Due to the constantly changing nature of mortgage rates, the recent government changes to mortgage rules and “stress test” requirements, lenders now “price” mortgages based on overall risk and your financial profile and “insurability”. If mortgage experts and lenders themselves are finding this confusing I can only imagine how a consumer must feel.

Click on the button to learn about:

These rate specials are the lowest in the industry. To have an accurate mortgage rate quote based on your financial profile, please contact me for a quick assessment.

 

LENDERS

I'm proud to be the 2016 recipient of the VERICO excellence award.

I'm proud to be the 2016 recipient of the VERICO excellence award.


Helpful links

If you loved my service and want your family and friends to have the same exceptional experience, please use my “refer a friend” service, also make sure to put your contact information in so that I can thank you properly.