Our goal is to help you achieve your dreams of home ownership and financial security. Learn more about us and the services we offer.
Denis has been active in the lending industry since early 1989, and began his mortgage broker career in November 1993. During this time, he was instrumental in launching a relocation program set up for Department of National Defense and the RCMP, and has grown a loyal clientele from coast to coast.
Denis joined Mortgage Architects in summer of 2006, as he saw the tremendous opportunity to work with a first class company and individuals across Canada who place people and clients needs first. He was also the first provincial Director for CIMBL (Canadian Institute of Mortgage Brokers & Lenders), a national organization dedicated to professionalism within the mortgage origination industry. Since 2001, Denis has also been a weekly guest speaker on CJOB’s ‘Talk to the Expert’ radio program. Currently, he is a guest speaker on CFRW’s ‘Financially Speaking’ every Sunday morning.
Acting as a mortgage agent for several financial institutions, Denis provides a ‘hassle-free’ mortgage processing service, educating and assisting homeowners to make the right choice for the right mortgage product. Best of all, he is compensated by the lender chosen to fund the mortgage. Should there be situations where private sources of funds are required, a fee may be charged on the day the mortgage funds.
If creative and specialized mortgage products are required, he has the capabilities of sourcing them as well. CALL TODAY, and Denis, or someone from his team would be eager to assist you. His team is committed to providing you with top notch service and knowledge on mortgage products. Let Denis and his team show you why thousands of clients have made the Denis Brunet Mortgage Team their choice when looking for mortgage advice.
Learn more about the extensive services we can offer you.
Getting the right mortgage
You’re off to a great start with a company that offers expertise, in-depth industry insight, exceptional resources, and exclusive access to a suite of innovative mortgage products. I look forward to being your personal mortgage planner and drawing up an individual plan that is right for you, for whatever your needs and situation:
Buying a first or next home
When you’re thinking of buying, it’s wise to begin by talking with a mortgage planner – to understand how much mortgage you can manage, and to explore both traditional and innovative mortgage options
Self-employed; no income verification
We understand business owners because we’re business owners, too. What’s more, we have a long list of institutional and private lenders that offer excellent mortgage options for self-employed Canadians. You don’t fit in the neat box at the bank? That’s okay; we don’t have boxes, we have solutions.
Low payments; long amortizations or interest only
Sometimes, it makes good financial sense to keep your mortgage payments as low as possible to buy the home you want or to free up funds for investment or other uses. The good news is that there are several options available to help you lower your mortgage payments.
Investing in property
Investment properties – particularly smaller, residential real estate – are now accessible to many average Canadians. And as any homeowner will confirm, real estate has been one of the most attractive investment categories in Canada for the past decade.
More Canadians than ever before are now spending quality time in their own vacation property. Cottages and chalets are now providing family memories for many average Canadians, who are taking advantage of innovative new mortgages that put these getaway homes within reach!
Congratulations on your maturing mortgage. Now’s a great time to look at the many innovative options and competitive rates available. This could be an important moment of opportunity.
Mortgages generally qualify as good debt: they are usually available at the lowest possible rates, and they represent a good investment in a (generally) appreciating asset. Bad debt saddles you with high interest rates – often on depreciating assets. But if you have equity in your home, then you have an opportunity to turn bad debt to good debt – by refinancing and rolling high-interest debt into your mortgage for big interest savings
Tapping into home equity
Maybe it just needs some new landscaping, an extra wing for your growing family, an expanded kitchen, or a swimming pool in the backyard! A record number of Canadians have taken advantage of the historic low mortgage rates and rising real estate values and have tapped into their home equity.
Often a new mortgage may be the best way to manage all of your debts. Moving your high-interest debt into a lower-rate mortgage is a great way to save on your overall interest costs, improve your cash flow, and begin the process of improving your credit rating. It’s great news that the right mortgage can help establish your reputation for credit-worthiness.
Find out how much you can afford before you go house hunting.
We have long lasting partnerships with a vast network of over 50 lending institutions, including major banks, credit unions, trusts and other national and regional lenders. Our negotiating power and this wealth of product choice, including innovative new mortgages that are changing the industry, ensures the best mortgage and rate for your specific financial situation.What does such expertise and access to a vast financial network cost? It costs you nothing. There are no arranging fees (oac). Instead, the lender we decide on together pays compensation for the services and solution provided, and only after your mortgage has closed. And since business is built primarily through referrals from satisfied customers, your positive mortgage experience is essential for my ongoing business growth.
This isn’t just about rates
While it is important to keep close tabs on competitive rates, there are other critical factors in mortgage design: like features and options, market trends, and your long-term goals. You need a mortgage plan that is a custom fit for you, and a planner who keeps in touch with you during your mortgage years. You deserve dedicated attention.Your mortgage is a big decision and a powerful financial tool. I look forward to helping you achieve your financial and homeownership goals.
About Mortgage Architects
Learn more about our Head Office.
Mortgage Architects is a national mortgage brokerage focused on delivering mortgage-planning services to Canadians, and is one of the fastest growing mortgage companies in Canada.
Lead planners require a proven track record of high professional standards and $25 million in yearly volume prior to joining the company, which is structured to be owned by the planners themselves. Lead and associate planners offer homeowners access to mortgage options from over 50 lenders, including major banks, credit unions, trusts and other national and regional lenders. With this outstanding range of mortgages and lenders, the experienced mortgage planners of Mortgage Architects are helping more Canadians achieve their goals of homeownership and financial security.
You’re off to a great start with a company that offers expertise, in-depth industry insight, exceptional resources, and exclusive access to a suite of innovative mortgage products through myNext Mortgage Company.
For more information please visit www.mortgagearchitects.ca