{"teamId":"1230000405","campaignId":"2355","seriesId":"75268","from_email":"seb.mortgage@gmail.com","email_subject":"Why I don\u2019t get a mortgage through my bank","attachment":"","email_message":"\r\n\t\r\n\t\t\r\n\t\t\t\r\n\t\t\t
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\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tOk {first_name}.
\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tYou've saved enough of your hard earned $$ and did some heavy soul-searching about<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\twhere you want to be in life. You've come to the realization that you're ready to buy a new<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\thome. Congrats!
\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tThe first place you go (after you've found your awesome Realtor of course) is the<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tmainstream bank you do your personal banking with to find out how much home you can<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tafford, right?
\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tWRONG<\/strong>.
\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tMost people think that the best lender for them is a bank they already have say their<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tchequing or savings accounts with. They're persuaded by ads on branch walls about how<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tthey should have all their services with the same provider. Or more commonly, they've<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tsimply never heard of what a Mortgage Broker is and what they can do for them. Fair<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tenough.
\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tAllow me to shed some light:
\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tThose banks have only a LIMITED access to their OWN mortgage rates and<\/strong><\/span><\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tproducts<\/strong>. They'll post posters of discounts on their rates, but YOU are responsible for<\/span><\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tnegotiating these rates.<\/span>
\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tOn the other hand, Mortgage Brokers have access to MULTIPLE lenders and<\/strong><\/span><\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tmortgage rates.<\/strong> They shop around for the best mortgage tailored to your individual<\/span><\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tcircumstances, THEY NEGOTIATE FOR YOU, and they present you with the lowest rate on<\/span><\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tthe market.<\/span>
\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tDisclaimer: The Mortgage Broker shops for your mortgage amongst various financial<\/em><\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tinstitutions, and it's that financial institution who provides and services your loan. So you<\/em><\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tmay very well end up with the mainstream bank you personally bank with anyways. But you<\/em><\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tcan guarantee that you really are getting the best deal on your home loan.<\/em>
\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tMortgage brokers also work on commission. They've got skin in the game, so they'll do<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\twhatever it takes to make you happy. And although they're working for you, you don't pay<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tthem a cent. Their commissions are paid by the lender. That's right.
\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tTHEIR SERVICES TO YOU ARE FREE<\/strong>.
\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tPersonally I've always found my home loan through a Mortgage Broker. They're my one-<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tstop shop for all my mortgage needs. Plus I can send my application and get my approval<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\twithout ever leaving my doorstep. (The internet is awesome).
\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tCall me for the Mortgage Broker I personally recommend. I'll tell you about a crazy time he<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\thelped my clients in a fast-action bidding war. My Buyers found their dream home on Day 1,<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tneeded a mortgage approval fast, and my guy came through in the nick of time.<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
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\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t

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