My Rates

6 Months 3.90%
1 Year 2.19%
2 Years 2.19%
3 Years 2.20%
4 Years 2.44%
5 Years 2.49%
7 Years 3.44%
10 Years 3.84%
*Rates subject to change and OAC
Andrew Walters Mortgage Agent

Andrew Walters

Mortgage Agent

Unit 106 - 18 Deakin Street, Ottawa, Ontario








It PAYS to shop around.

Many Canadian homeowners pay too much for their homes because they are not getting the best mortgage financing available in the market.

The mortgage process can be intimidating for homeowners, and some financial institutions don't make the process any easier.

But I’m here to help!

I’m a Capital Mortgages, Mortgage Advisor and I’m an independent, unbiased, expert, here to help you move into a home you love.

I have access to mortgage products from over forty lenders at my fingertips and I work with you to determine the best product that will fit your immediate financial needs and future goals.

Capital Mortgages mortgage specialists are Canada’s Trusted Experts who will be with you through the life of your mortgage.

I save you money by sourcing the best products at the best rates – not only on your first mortgage but through every subsequent renewal. So whether you're buying a home, renewing your mortgage, refinancing, renovating, investing, or consolidating your debts — I’m the Capital Mortgages Mortgage Advisor who can help you get the right financing, from the right lender, at the right rate.

BLOG / NEWS Updates

The Benefits of Using a Mortgage Broker

The Benefits of Using a Mortgage Broker Trying to find the best mortgage for your needs and your budget can be a difficult and often frustrating task. The wide selection of mortgage products available today means that consumers can enjoy a variety of options, and these options increase the chances of getting a great value loan. However, the downside is that you could end up spending hours scouring through the mortgage deals from various companies, and while you are busy trying to interpret the financial jargon that many lenders may throw at you, another buyer could snatch the house of your dreams from under your nose. Going it alone when looking for a suitable mortgage is a time consuming process. With the pace of life as it is today, many of us barely have time to sit down and enjoy a little quality time as it is. Spending hours glued to the computer or ringing around various lenders is something that most of us can do without. If you go directly from lender to lender to get your mortgage, you will end up having to complete a new application for each lender, which can waste a great deal of time. Additional time will be taken up with browsing and comparing all the different deals with each lender, and then comparing the lenders against one another. That is why you need someone that is not only up on all of the latest information, but knows the ins and outs of the mortgage industry. This person will know how to locate the best program for your needs while keeping your new mortgage payment affordable for your budget. This is true of independent mortgage brokers. Using a mortgage broker is an effective way of getting a mortgage package to suit your needs without having to commit hours of your time to searching and browsing. When you use a mortgage broker service, you will simply be cutting out all of the time and work involved in finding a mortgage to suit your circumstances. Another great benefit is that the mortgage broker works for you, the customer, and normally don't charge a fee (unless you have an extraordinary financialsituation), as they are compensated by the lenders once they close the mortgage deal. A good mortgage broker will be able to source awide range of mortgage deals on your behalf, and will then put forward the ones that offer the best value in terms of interest rates and monthly repayments. All you have to do is complete one simple application form, which saves you the hassle of having to complete a form for each lender in which you are interested. An established mortgage broker will already have formed links, contacts, and relationships with a wide range of mortgage lenders. He or she will therefore know which lenders may cater for your particular needs. For instance, if you have a poor credit rating and you are looking for an affordable mortgage, the broker will most likely know which lenders offer affordable finance to those with a tarnished credit history and can therefore approach the right lenders straight away. If you were looking for a bad credit mortgage without the help of a broker, you could end up going through one application after another with a range of unsuitable lenders, and you could end up witha long line of refusals, which could make your credit rating even worse. Using a mortgage broker is a great way to get a good value, affordable mortgage that is tailored to meet your needs. It is also an excellent solution to getting a good mortgage deal without having to put in the hard work and time. SOURCES: http://www.ratesupermarket.ca/blog/benefits-of-using-a-canadian-mortgage-broker/ http://www.moneyinstructor.com/art/mortgagebroker.asp

Tips to Consider Before Buying a Home

You're about to invest in your most valuable asset. Below are our top 8 recommendations to make you more confident as you start your home buying journey. Your Credit Rating Getting your finances in order is probably the most important step you should take. You must know exactly what your credit reports say about your financial history before you apply for a mortgage, because the reports play an important role in the mortgage approval process and in determining the interest rate and other loan terms that a lender offers you. Understanding How Mortgages Work Get familiar with the mortgage laws, structure and options. That way, you will be able to decide on the right loan and lender - crucial to your home buying success. Talk with your mortgage agent who will be able to help you understand the process. The mortgage agent will assist you in finding the best loan and lender at no cost to you. Getting a Mortgage Pre-Approval Do you know how much house you can afford? Probably not, unless you've talked to a mortgage agent. Pre-approval helps you in other ways. Consider this scenario. A home seller gets two similar offers. One is accompanied by a letter from the buyer's lender that states she is pre-approved for a mortgage in the amount of the offer. The other has no supporting documents. Which offer do you think the seller will consider first? Sorting Out Your Needs and Wants Buying a home isn't as difficult as you might think, even if you're short on funds. But the process will go a lot smoother if you get familiar with your real estate market and narrow down your wants and needs before you start looking at houses. Preparing to Work with Real Estate Agents Real estate agents represent buyers, sellers, or both. It's essential to understand agent duties and loyalties before you make that first phone call. The Great Home Search The Internet is a great tool - you can spend endless hours searching the public version of the Multiple Listing Service website. You can also pick up House For Sale magazines and read classified ads in your local newspapers. You might even plan an afternoon drive to preview neighbourhoods. These are all excellent ways to see what's available out there. Pre-Offer Investigation Deciding whether or not you want to buy a house involves a look at its structure and its features, but there are many other topics that are every bit as important to your purchase. Appoint a professional to conduct the home inspection. Study what kind of house it is and consider its market value. Making the Offer There's no one set of instructions that can cover all the differences in real estate laws and customs that exist throughout, so its important to meet with your agent, attorney or advisor to fine-tune your offer and take care of all the contractual considerations. (Source:HGTV.ca /http://www.hgtv.ca/articles/articledetails.aspx?ContentId=1916cat=3by=1)


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