SMP Mortgage Rate Mortgage Faciliated By Finder Financial Services Ltd.

Save Money On Discounted Mortgage Rates   Canada's Lowest Posted Mortgage Rate.
Sutton Member Program Mortgage Rates.  Our SMP Lowest Mortgage Rates:

CURRENT MORTGAGE RATES* AS LOW AS ....

 Have a Question about the Sutton Mortgage?

Shopping for the Lowest Mortgage Rates?  Informal Over-the-Phone Information on the Latest Rates & Terms.

Sutton Canada Toll Free:  1-800-265-1361
Sutton Toronto   416-896-3333
Sutton Peel:      905-896-3333
Sutton Halton:   905-827-6999
sutton@realtor.com

 Save Money!    Get the Best Mortgage Rate!  Looking to Refinance - Mortgage Rates at a Glance
A List of over 50 Banks & Lending Institutions to easily compare the average 5 Year Closed/Fixed Mortgage Rates

Try Our Quick Mortgage Calculator to easily compare and see the rate savings


 Not sure how much you qualify for? Call us at 1-800-265-1361
Easy, Hassle Free Answers.   A Quick way to Give You a Little Peace of Mind.

Glossary of Mortgage Terms

 Thinking of Selling Your Home?

 The SMP is designed for sharing.  If you see one of our Sutton Member For Sale Signs with this Rider - have your realtor call us about the property. If you purchase a Sutton Member Listing through another realtor you may qualify for this great rate.*

 Watch out for our Sutton Realty For Sale Signs.

As a Seller the benefits of offering a SMP Mortgage may be even more significant than you realize.   These mortgage rates can be offered to any qualified Buyer wishing to purchase your home, even if its through another realtor.  In fact, the reduced monthly cost offered through a "Sutton Member Program" mortgage may make the difference between being able to afford your home or not. Or, in other cases, it may mean you will get more for your home because the Buyer can afford to pay more.
     

Free ONLINE Home Evaluation Available By Clicking Here
.  or Call Us At 905-896-3333 Or 416-895-3333

Request a Free Home Evaluation Report
 

 Tips on Applying for a Mortgage in Today's Market

In today's market banks are taking a more cautious approach with qualifying consumers for mortgages.

Before starting your search for the perfect mortgage be prepared so you can negotiate the best rate.

Simple Tips for Shopping for a Mortgage:
 

1. Employment Verification:   Have your job letter and pay stub handy - no paystub how about a T4.   If you are self employed obtain 2 - 3 years of your tax returns (Notice of Assessments).  Can't find them - you can contact Revenue Canada to reprint and mail you a copy.  
    
2. Downpayment Verification:   Many banks today want to ensure your downpayment is obtained through savings, and not being borrowed from a line of credit or cash advance from a credit card.   Copies of your passbooks, bank statements, RRSPs, GIC's etc in advance are extremely helpful.   The majority of lenders will be looking for a minimum of 5% downpayment plus evidence that you have a sufficient funds for closing costs.  (lawyers fees, land transfer tax)
    
3. Credit:   Credit Score is key.   If you are not sure of your credit score - you can apply on-line with www.equifax.ca to review your personal file.   Read our little blog on how to analyse your credit score below.

 Tips for Refinancing Your Mortgage

If you are currently locked into a long term mortgage at a higher rate we suggest calling your existing Bank first to review any discharge fees.   Many consumers believe to break a long term mortgage only costs about 3 months interest penalty.   But, read the fine print and you might notice - it is 3 months interest penalty or the "differential" whichever is higher.  

It might be wise, before considering switching mortgages confirm your discharge penalty.   In many cases the cost to break a mortgage might outway the savings of a lower rate.

If your mortgage is coming up for renewal - we suggest shopping around 90 days prior to your renewal.  

May we also suggest the same tips in preparing to shop as above - Tips for Shopping for a Mortgage.

At's all about being prepared to help you Save as much Money as possible on your Mortgage Rate.

 Mortgage Highlights

• How Does the Plan Work?  Give us a Call!   Sutton Canada Toll Free 1-800-265-1361
  Toronto / GTA:  416-896-3333
   
• Quick over-the-phone guidelines on the qualifying criteria.
   
• Other Rates & Terms Also Available.
  
  First Time Buyers are always encouraged to get a PreApproval.   You will feel more confident when starting your home search.  Our Information is Free for the Asking!

Not intended to solicit clients under contract.

Thinking for Selling Your House?   Think Sutton and how the Sutton Members Mortgage can help you attract more buyers.  Ask for a Free Market Opinion on your home value.