When dealing with the major banks, everyone should have a dedicated mortgage broker, really!! Mortgage brokers are especially ideal for those customers whom are particularily rate sensitive, unfamiliar with the entire homebuying process, daunted by the intricacies of various lending products, intimidated or discouraged by the decisions of faceless credit grantors, perhaps unable to make it into the bank during hours of operation, or even totally unaware of alternative/secondary financing options, or maybe you are simply lacking working knowledge of the English language. Whatever the case, nobody should be openly subjected to the duress amounting from any one of these potentially problematic situations, especially with arguably the biggest purchase of your entire life. I can personally speak to this, because I too was once a banker. Originally, I was trained by several of the major banks and found myself (a teller or junior personal banker at the time), poorly coached to sell various mortgage and lending products. Now, would you seriously want someone who files Visa and Overdraft applications to properly volunteer the conditions of your new mortgage? Hardly personable. In my opinion, a good mortgage broker will be a true friend and confidente for life and will have a clear understanding of your overall financial objectives and preferences. That is exactly why, I wish to be your broker for life!

Sincerely,


Christopher Higashi