Why Work with Roberto Pelaccia?
Getting you the mortgage you deserve
What is an Accredited Smith Manoeuvre Professional Mortgage Broker?
This is a professional that understands how to have you convert your bad debt to good debt. Good debt is debt that can allow growing your wealth, savings, assets, and have that debt be tax-deductible- year after year.
If you are like most homeowners, your mortgage is traditionally considered good debt, but is it? It helps you maintain shelter for you and your family, and it is better than renting and paying someone’s mortgage- these things are certain.
But what if you could use your mortgage to increase your wealth faster and easier than ever before, would you think it is possible?
See Traditionally most people will pay all their bills and their mortgage every month and then have whatever they have leftover go toward some long or short-term savings plan. This is slow and hard because the stress of where those funds will come from is always on your mind and some months you may just not have enough to put away.
The Smith Manoeuvre allows you to consistently use the equity in your home to put toward your financial goals. With a basic Smith Manoeivure set-up and deploying some easy but less known accelerators regular Canadians can amass not just thousands, but millions of dollars of wealth over the life of their mortgage. You will also get to use the “tax write-offs” that you thought only the wealthy had access to.
As an Accredited Smith Manoeuvre Professional, Roberto Pelacccia and his team can help you truly master your mortgage and build scalable wealth that you would not otherwise know how to do.
This is so impactful to you and your family and the best part is if you own a home you can do this.
Do the best with what you have, from where you are. That is what we are here for you to do.
What is a Certified Cash-flow Specialist?
Enabling you to do the best you can, with what you have, from where you are – that is what Certified Cash-flow Specialist does.
Specifically, Roberto will be able to assess your cash-flow ins and outs and then help you optimize your ability to save more, pay down faster, and have you move forward quicker and easier than you ever could imagine.
Our primary objective is to create a new cash flow that can be deployed to best serve your primary needs as well as your financial goals. We will train you to focus on paying yourself first and automating your monthly bills, as well as other advanced strategies. You will find this process to be life-changing and it will have you wondering “why no one has taught you this sooner?”
Mortgage Brokers work hard for YOU and NOT the banks!
Brokers are not limited in the product they can offer you. Brokers seek out the best lender package to suit your specific situation, whether it’s with a Chartered Bank, Trust or Insurance Company, or Private Funds.
There is a wide assortment of options and features available to homebuyers today. Shopping around takes a lot of time and effort. The mortgage process within today's very competitive marketplace intimidates many Canadian homebuyers. It pays to work with a mortgage professional who will represent you and ensure the mortgage you get is the one best suited to your needs.
Choosing the wrong mortgage can cost you thousands of extra dollars. Mortgage Brokers are trained professionals who can help you save on your mortgage dollar.
Mortgage Brokers are independent, trained professionals licensed to represent and provide you with the best advice for your mortgage needs!
A Mortgage Broker's primary expertise is locating funding for mortgage financing. They know where the best rates can be found. What's more, they have the knowledge required to present a proposal for financing to lenders in the best way possible to successfully obtain mortgage financing.
10 Reasons to use a Mortgage Broker
- Access to different lenders, banks, trust companies, investors and financial institutions.
- Fast credit and loan pre-approvals with no cost or obligation. (Some conditions may apply)
- They are experts at matching you with the best-suited mortgage.
- Get mortgage rates at wholesale, guaranteed up to 120 days.
- They work for YOU, not the bank.
- Up-to-date on all the mortgage rates, terms and re-payment options available on the market.
- They only specialize in mortgages and are knowledgeable on current trends.
- They increase competition in the market place, thus keeping rates low.
- They save you time and money!
- Brokers have vested interest in satisfying your needs since they rely on referrals and repeat business.
Other than rates, why should I use a Mortgage Broker?
In addition to rates, because mortgage-based financing is the broker's primary business, he or she has developed expertise in what type of mortgage financing each lender prefers to pursue. This kind of knowledge not only results in the most favourable rates for each project, but often whether a project is funded at all.
How do Mortgage Brokers Find Superior Rates?
Interest rates are a concern to borrowers. Because of their daily contact with lenders, brokers know which project or home attracts a favorable interest rate from one institution, but a higher rate at another. Some institutions, in fact, will only accept mortgage submissions from mortgage brokers.
These rates, and preferences for types of mortgages, can change daily, depending on economic circumstances or based on the size of an institution's portfolio in a particular type of mortgage. Your Mortgage Broker keeps current and knows which lender to approach first. As a result, mortgage rates obtained by Brokers are among the best available at the time of placement.
Why should I go to a Mortgage Broker first?
A professional presentation to a lender on the first application will get the best response and save you valuable time and money. Secondary applications with previous credit bureau inquiries may be more costly.
Often the success of obtaining mortgage approval depends on the way a proposal is presented and to whom it is sent. Your Mortgage Broker is trained to present your mortgage proposal where and how it will get the most immediate, positive result.
You don't call an insurance company for insurance - you use an insurance broker, because of their expertise, product knowledge and rates. So remember, call your mortgage broker first!
How do Brokers get better deals than many Banks?
The lenders who work with mortgage brokers include traditional sources, such as chartered banks, trust companies, as well as corporate and private pension funds.
In addition to these sources, brokers often develop professional relationships with private sources of funds, termed private lenders. These lenders can provide many various mortgage products not available at conventional sources.
