After a lengthy education in Humanities and a short career in teaching I entered the world of finances, first with a chartered bank, and later as an independent mortgage specialist.

Each person has a different requirement for a mortgage need, and for that reason, each mortgage has to be tailor-made. A person working for the the bank is not going to spend time and energy to fit your mortgage to your financial needs. Also, one bank is limited to its own products. The bank employees, working in the interest of the bank, have to sell their bank's products to the clients.

A mortgage specialist like myself, on the other hand, has the function of brokering a mortgage on your behalf.

These are your advantages:

• We have access to over 30 institutions, as well as private lenders.
• A wider range of products.
• Working in the best interest of the client.
• The highest level of service.
• Flexible hours of operation.
• My fees are paid by the financial institution in most cases.
• The client only pays brokerage fees for commercial mortgages or in the case of a bad credit history. If the fees are charged, it will be disclosed to the client beforehand.