With today’s low interest rates, there couldn’t be a better time for your mortgage to be up for renewal!
Your current lender, if they haven’t already, will send you a ‘Mortgage Renewal Notice’ not long before your mortgage matures. Over 85% of people will simply sign the form and send it back, not knowing whether they are receiving the best rate or product for their needs.
Talk to a Mortgage Specialist
Since the last time you arranged your mortgage, things have probably changed. Maybe you have started a family? Or, maybe you have retired and have a new-found interest in traveling? Whatever your situation, the product you received 5 years ago may not be the right product for you today.
An Ingram Mortgage Team professional will complete a needs analysis with you and then do the shopping for you to align you with the right product that is tailored to your needs and wants.
Before starting your mortgage renewal:
- Contact us 120 days before your renewal deadline.
- Decide if you want to pull more money out with your renewal.
- You are not obligated to stay with the same bank, our mortgage specialists will help you find the best rate and not stick with just one bank.
- Renewal is the best time to put a lump sum down on your mortgage, if you can – this will save you interest in the future. Calculate how much you can save.
Our specialized service is provided at no cost to you, as we receive a commission from the lenders for bringing them business.
Ultimate Variable Rate Mortgage (UVRM) Guarantee
The Ingram Mortgage Team guarantees that when it comes time to lock in a variable rate mortgage, the team will offer their best discounted fixed rates available.
What is the Ingram Mortgage Team UVRM Guarantee?
1. The team will keep an eye on mortgage rates! Whenever a rate changes, the team will inform you AND tell you when it’s a good time to lock-in to a fixed rate.
2. When locking-in a mortgage to a fixed rate the team GUARANTEEs the lender’s best fixed rates OR the team will pay your breakage fee to get out of the mortgage to find a better rate.
This “Broker Rate Lock in Guarantee” means that the service doesn’t stop when your mortgage documents are signed—the team continues to look for the best mortgage options for as long as you have your mortgage with the Ingram Mortgage Team
Eligible Lenders: First National, Merix, Street Capital, Scotia, TD, Home Trust, Eq Bank, Canadiana Standard, CFF, ICICI, MCAP Standard, B2B, NBC, Coast Capital Savings.
I was a first time home buyer and really didn’t know what to expect. I wasn’t sure what my price range was or if I could even afford to get into the market. However, Jeff and the Ingram Mortgage Team showed me it that becoming a home owner was possible and I was approved in no time. I thought the whole process was going to be nerve racking and uneasy, but Jeff illustrated such optimism and care towards my family and I that it made it impossible to be uneasy. Thank you Ingram Mortgage Team for being a key component to an important stage in my life.
Jeff helped us with each of our last two mortgages. In each case he was proactive and went the extra mile to ensure that we found the mortgage that was right for us. Jeff’s creativity and ability to see the ‘big picture’ ensured that we got the best rate possible, even in difficult circumstances. We have been extremely happy with the Ingram Mortgage Team.
Jeff Ingram and his team were great! He was easily accessible and answered every question I had. What I appreciated the most was his ability to take our full needs into consideration and present us with different solutions. He also negotiated the best rate for our circumstance and took the time to explain the process, calming any fears we had. Real-estate is a large investment, whether you are just starting or if you have been in it for a while. Either way, I would have no problems recommending Jeff and his team for his experience, availability, insight and hard work!
Colby & Shannon Smith
My wife and I were struggling with credit card debt. We were making our payments, but we weren’t making any progress. We went to the bank we had our mortgage with and they told us they couldn’t do anything for us. I spoke to Jeff about our problem and he was able to use the equity in our mortgage through a refinance and he got us a rate that was much better than what any of the banks were offering. Now, we are able to focus our money where we want it and are saving hundreds in interest, all thanks to the IMT.
I have purchased several properties in the last 15 years and have always gone through the bank for my mortgage. For my latest purchase I went through Jeff as my mortgage broker. The difference between Jeff as opposed to the bank is that he actually goes out and finds the best rate for you. He was always available for any questions and made the entire application process effortless from start to finish. I would recommend Jeff and the Ingram Mortgage Team to anyone looking for a mortgage. He will save you thousands over dealing with the bank.
Trent & Misha
We had the pleasure of working with the Ingram Mortgage Team during the recent purchase of our first home. Jeff always went above and beyond to explain the details of what we needed to know for our mortgage needs. He did all the research for us, secured the best rate (better than any bank), and always stayed on top of all the current information. We always felt very confident that Jeff had our best interest at heart and that we could trust him fully. We couldn’t ask for more in a Mortgage broker and we will definitely be recommending him to all of our future home-buying friends and family. A sincere thank you Jeff and the Ingram Mortgage team!
I was very appreciative and impressed by how hard Jeff worked for us to find the lowest interest rate and terms available. Jeff went the extra mile, or more, for us by always being available and ready to answer any and all questions that we may have had. Jeff has integrity and is a dedicated and honest mortgage broker. He works hard for his clients. I wouldn’t hesitate to recommend him!