Trust is built by getting to know each other more and better. At Valueland, we want you to know our mission and vision - why we are here and where we want to be. These two simple sentences explain the reasons for Valueland's existence and growth in the Canadian financial services market.
Valueland Mortgages was established in 2002 to bridge mortgage lenders such as banks, trust companies with consumers who borrow money to purchase their homes, through unbiased professional advice and competitive mortgage rates.From its humble beginning, Valueland, as you can see from its name, strives to provide consumers with low cost mortgage plans and has always been trying to find innovative solutions for the borrowing community.
Valueland Mortgages was established in 2002 to bridge mortgage lenders such as banks, trust companies with consumers who borrow money to purchase their homes, through unbiased professional advice and competitive mortgage rates.From its humble beginning, Valueland, as you can see from its name, strives to provide consumers with low cost mortgage plans and has always been trying to find innovative solutions for the borrowing community.
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Buying a home is a milestone in everyone's life. It symbolizes that you are independent and have achieved the stability of living a relatively comfortable life. Here are a few things you need to consider for purchasing your home. This is the first step to own your home. You need to do some home-work and understand your financial and family situations.
Getting your mortgages from Valueland saves you time and money. At Valueland, we have made your mortgage application process simple. If you follow these eight steps, there will be no surprises and your mortgage closing will be smooth. Some steps may be skipped or followed in different order depending on your individual situation.
A pre-approved mortgage provides an interest rate guarantee from a lender for a specified period of time and for a set amount of money before you transfer your mortgage. The pre-approval is made based on your financial and credit history information. With this pre-approved mortgage, you are assured by the bank to get the approved rate and the mortgage, subject to certain conditions.
It is important to compare various mortgage options and pricing so that it meets your requirements and saves you money. The interest rate on a fixed-rate mortgage is set for a pre-determined contract term - usually between 12 months to 10 years. This type of mortgage offers you the security of knowing what you will be paying for the term so that you can budget financially.
For salaried borrowers or pensioner with stable consistent income, the maximum loan amount is typically ~4.5 time of your gross income. For self-employed or commission based borrowers, the maximum income calculation varies from lender to lender. Please contact us and we can assist you with finding out your borrowing power.
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