We have one primary goal, leave more money in your hands over the long term. By understanding your situation, goals, and expectations combined with statistical and experience with other customers within your profile as well as market outlooks and forecasts, we recommend products and terms with the simple aim of producing the lowest cost of borrowing for you.
Fixed vs Variable?
Standard, Collateral, Line Of Credit?
1, 2, 3, 4, 5, 7, 10 year term?
No frills or full features?
Pre-payment privileges or restricted?
Rates rising, flat or decreasing?
Variable to Fixed conversion rates?
Investment property plans?
There are a lot of factors and influences at any given time for each unique situation. Long term savings seldom end up being only due to a specific rate, although we always aim for finding you the best one. The product you choose now could have significant costs for you down the road. The future is anything but predictable.