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Old 03-13-2014, 05:59 PM   #41
Deegee
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Brokers typically sell their services on rate over anything else, or at least have in my interactions with them. Sounds like True North has found a business model that works for them for people who only care about rate and nothing else. Good on them.
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Old 03-13-2014, 06:39 PM   #42
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True North provides great service to their customers. It's not just about rate for them. It's rates and service. You don't have to sacrifice one for the other. When my mortgage is up in 30 months, I'll be taking my mortgage over to them

They're more approachable and easier to get a hold of then other brokers that I've dealt with. Much faster response times as well too.
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Old 03-13-2014, 06:43 PM   #43
MillerTime GFG
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That's a rather blanketed statement Deegee, but that wouldn't be your first time.

Of course rate is important to brokers as that's what potential clients are generally looking for. However, I'd argue that most brokers these days sell their services on their actual service level, or teaching people that rate isn't everything.

If you look at my CP page, my OP is all to do with a product that doesn't have the best rate, but outperforms mortgages with the lowest rates by far. I take a financial planning approach to mortgages, and I know for certain I'm not the only one.
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Old 03-13-2014, 06:51 PM   #44
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I'm probably a bit bias as I deal with True North a lot more than other brokers. I'm sure there are much more that provide better service than True North.

30 months is a long time. I'm not married to True North so when my mortgage is close to renewal, I'll be shopping my business around for sure
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Old 03-13-2014, 07:08 PM   #45
MillerTime GFG
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What is it that you do? Been trying to figure it out for a while now. Are you an advisor?
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Old 03-13-2014, 07:26 PM   #46
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No, not an advisor.

Not a fan of them either. Don't know why anyone would go to a bank's advisor over a broker.

Good to see Travis no longer has that relationship with that TD (or was it Scotia?) advisor here. I'm sure he's a top notch realtor so I would think he'd provide his clients with a broker over a bank's mortgage advisor.
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Old 03-13-2014, 07:37 PM   #47
MillerTime GFG
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No, I meant a financial advisor. They're called mortgage specialists for the most part I believe.
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Old 03-13-2014, 07:46 PM   #48
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Well, CIBC changed theirs from mortgage specialists to mortgage advisors about three years ago. Hard to keep up nowadays.
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Old 04-11-2014, 12:02 PM   #49
bubbsy
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i'm being offered 2.5 variable vs 2.87 fixed over 4 years....

What you guys think?
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Old 04-11-2014, 02:08 PM   #50
MillerTime GFG
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I can tell you that there are better rates out there even on a 5 year term, and I may or may not know someone who can do so...
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Old 04-11-2014, 03:14 PM   #51
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Interesting. I live in Toronto... if you care to share ?
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Old 04-11-2014, 04:12 PM   #52
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PM'd
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