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My Rates

6 Months 3.10%
1 Year 2.29%
2 Years 2.09%
3 Years 2.24%
4 Years 2.54%
5 Years 2.54%
7 Years 3.39%
10 Years 3.84%
6 Months Open 5.45%
1 Year Open 4.39%
*Rates subject to change and OAC
Rishel Tomlinson, BA(Econ), AMP Managing Broker

Rishel Tomlinson, BA(Econ), AMP

Managing Broker


Phone:
Address:
#220 - 4411 Hastings Street, Burnaby, British Columbia

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Many Canadian homeowners end up house rich and cash poor, by paying too much for their homes because they are not getting the best mortgage financing product available in the market, and are not being 'debt effective'.

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 Mortgage Advisor with VERICO Custom Mortgages, a local boutique office of independent mortgage experts that is also part of the national VERICO broker network.  We show you how your bank compares to the wide range of mortgage lenders out there, at no cost to you, and offer advice based on your individual cash flow and greater financial goals as to the best mortgage product to help you reach your realestate ownership goals while being 'debt effective'.

As your mortgage advisor, I look to save you money throughout the life of your mortgage, by sourcing the best products at the best rates – not only on your first mortgage but through every subsequent renewal, equity take-out, or future purchase. 

So whether you're buying a home, renewing your mortgage, refinancing, renovating, investing, or consolidating your debts — I’m the Mortgage Advisor who can help you get the right financing, from the right lender, at the right rate.


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Professionals who can help you with home buying

Because purchasing a home is probably the biggest investment you will ever make, youll definitely want a team of professionals working with you throughout the process. The Real Estate Agent Helps you find the ideal home Writes an Offer of Purchase Negotiates on your behalf Gives you important information about the community Can help you plan the home inspection The Lawyer/Notary A lawyer (or a notary in Quebec) protects your legal rights. He or she will review all contracts before you sign them, especially the Offer (or Agreement) to Purchase. Remember that a lawyer/notary should: Be a licensed, full-time lawyer/notary Be local and understand real estate laws, regulations and restrictions Have realistic and acceptable fees Be able to explain things in plain language The Home Inspector Performs an inspection of the visible components of the home Tells you the condition of the house; what is working properly; what needs to be changed; what is unsafe; and what repairs need to be made Can tell you where there may have been problems in the past Usually belongs to a provincial or industry association

A good credit report and credit score are important factors in determining whether or not you will be approved for a mortgage. Here are some simple steps you can take to maintain a good credit history, and improve your chances of being approved.

What is a Credit Score Your credit score is a number that illustrates your financial health at a specific point in time. It also serves as an indicator of your financial past, and how consistently you pay off your bills and debts. This is one of the factors mortgage professionals consider in qualifying you for a mortgage. How to Check Your Credit Score To find out your credit score, contact Canadas two credit-reporting agencies: Equifax Canada at www.equifax.ca and TransUnion Canada at www.transunion.ca. For a fee, these agencies will provide you with an online copy of your credit score as well as a credit report a detailed summary of your credit history, employment history and personal financial information on file. You can also obtain a free copy of your credit report by mail. If you find any errors in your report, notify the credit-reporting agency and the organization responsible for the inaccuracy immediately. If You Do Not Have a Credit Score Its important to begin building a credit history as early as possible. You can begin to build one by applying for and responsibly using a credit card. Your financial institution or mortgage professional can help. How to Improve Your Credit Score Demonstrating your ability to manage credit is key to maintaining a good credit score. There are a number of things you can do to improve your credit score. These include: Always pay your bills in full and on time. If you cannot pay the full amount, try to pay at least the required minimum shown on your monthly statement. Pay off your debts (such as loans, credit cards, lines of credit, etc.) as quickly as possible. Never go over the limit on your credit cards, and try to keep your balances well below the limits. Reduce the number of credit card or loan applications you make. Once your credit score has improved, work with your mortgage professional to obtain a mortgage that works for you. Find Out More To find out more about credit scores and reports, visit the Financial Consumer Agency of Canada website and download or request a free copy of their guide, Understanding Your Credit Report and Credit Score. This guide provides practical, straightforward information on how to obtain and understand your credit report and score, as well as how to build and maintain a good credit history.

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