Coming from a banking background where I worked for over 25 years, primarily in the lending field, I began to think there are more ways to help clients with their mortgage needs. I was basically a mortgage broker with the Royal Bank the last 10 years of my bank career, so was virtually doing the same kind of work as I do now. The only difference was I was working with only one set of lending policies to get the job done AND I was working for the bank NOT the client! I get paid by the lender, and do not charge the client. As a mortgage broker, I now have numerous lenders to include banks, credit unions, trust companies, and subsidiary companies owned by banks etc. I also have access to private lenders. If someone has had some credit, job or other issues, these lenders offer a temporary fix until these issues are corrected. I always say, “When bad things happen to good people”, I can help! I typically work with:✦First time buying clients✦Debt consolidation clients✦Refinance/Renewal clients What makes me the best mortgage brokers I can be!✻I develop trusted intimacy and communication with my clients. ✻When I ask a lot of questions I listen intently to answers to figure out the client’s needs. ✻I show caring yet professional concern for their well being. They don’t care what you know until they know how you care. I am passionate about getting you the right mortgage for you!✻Get independent advice on your financial options✻Save time with one stop-shopping✻I negotiate on your behalf✻More choices means more competitive rates✻Get access to special deals with numerous lenders✻Get expert advice as I specialize in your mortgage✻No cost to you✻Ongoing support and consultationI am passionate about being able to assist you in your house or, condo purchase, debt consolidation or renewal/refinace! For you free no obligation appointment please contact me at cell: 250-809-8099 or email: tocallaghan@shaw.ca