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My Rates

6 Months 4.55%
1 Year 2.29%
2 Years 2.19%
3 Years 2.34%
4 Years 2.45%
5 Years 2.49%
7 Years 3.99%
10 Years 4.39%
*Rates subject to change and OAC
Matthew Wheeler Prof. Mortgage Consultant

Matthew Wheeler

Prof. Mortgage Consultant


Phone:
Address:
6363 Lady Hammond RD. , Halifax , Nova Scotia

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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 VERICO 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.

VERICO 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 VERICO Mortgage Advisor who can help you get the right financing, from the right lender, at the right rate.


BLOG / NEWS Updates

10 Things to consider before your Mortgage Renews

When it comes time to renew your mortgage, it is very important to review all of your options. Roger and myself typically begin these talks anywhere from 1 year to 6 months prior to the renewal. Here are 10 things to maybe think about. 1- Have you explored all your options? Once you receive your mortgage renewal statement, there's nothing easier then simply signing on for another term. But while this may make sense in many cases, your family or financial situation may have changed over time. We look for opportunities that could better meet your needs right now. 2 - Are you comfortable wit your payments? If you've been feeling financially strapped each month making your mortgage payments, this could the time to reduce them to a more easily managed level. On the other hand, if you are earning more, why not pay down your mortgage faster and save thousands of dollars in interest over time. 3 - Do you need cash flow for other things? Your priorities may have shifted since you first bought your home, and your cash flow needs can shift too. Things like paying for a child's university education, planning a career change, or a major purchase such as a vacation property may call for spending money on things other than your home. You may be able to refinance your mortgage to take this into account. 4 - Can you handle fluctuating rates? Some homeowners are nervous about any hikes in interest rates. While others are comfortable to go with the flow. Rates are tough to predict. It's best to base your decision on your personal situation, not what you read in the news, and tailor your mortgage renewal around your needs. We can help you decide whether to opt for fixed or variable rates - and we don't want you to lose any sleep over your decision. 5 - Will you sell soon? If you are likely to sell soon, consider a shorter-term mortgage or one that has flexible terms so you’re not penalized if you sell your house before the mortgage comes due. 6 - Are you thinking about a major renovation? You know that projects such as a new kitchen or an addition can make your home more valuable, but the cost of having the work done can tie up a lot of money. Before you renew, look at all your financing options, which may include getting an additional line of credit or keeping your monthly mortgage payments low so you have money on hand to finance the renos. 7 - When do you want to be mortgage free? If you’re planning extended time away from work or perhaps an early retirement, it may make sense to pay down your mortgage sooner rather than later. While increasing your payments will raise your monthly costs now, you’ll ultimately save on interest in the long term and can prepare for that fabulous, mortgage-free lifestyle. 8 - Could you use your home equity to fulfill other goals? Refinancing a mortgage can be one way to free up cash you need for other things, which could even include buying another property. Mortgage renewal time is an ideal occasion to review all your options. 9 - Have your insurance needs changed? If your financial situation has changed since you first took out your mortgage, review whether you need the same level of insurance in place to cover mortgage obligations. 10 - Are you getting the best rates and terms? In a competitive mortgage environment, your good credit history can make refinancing work to your advantage. We have access to a very wide variety of lenders across the country, allowing us to always know where the best interest rate/term package can be found.

MY LENDERS

TD Bank Scotia Bank First National B2B Bank Home Trust
MCAP Merix Industrial Alliance Optimum Canadiana Financial
Equitable Bank ICICI Bank Fisgard Capital  RMG Mortgages Street Capital