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Nicole Bradley

Nicole Bradley

Mortgage Agent

Concierge Mortgage Group

LIC# 12179
Language(s): English
Specialties: Residential Mortgages, Alternative Lending

About

Broker

Concierge Mortgage Group Inc. represents a team of knowledgeable, ethical and reputable mortgage professionals who can tailor your mortgage financing to your unique lifestyle and goals.

Independently owned and operated, Concierge is proud to be a network partner of Mortgage Intelligence, Canada's trusted source for mortgage solutions.

With Nicole Bradley, you can expect an authentic experience defined by honesty, integrity and peace of mind. As an Accredited Mortgage Professional, Nicole has met the highest standards of industry performance, continuing education and ethical business practices.

Whether you want to buy a new home, set up a business, refinance or renew an existing mortgage, you deserve a smooth, respectful and personable transaction. Nicole will work in your best interest to negotiate and get you the product that suits your needs in the most cost-effective manner.

Please contact Nicole Bradley to assist you in finding a seamless solution to your mortgage needs.

7 reasons to use a Mortgage Broker over your Bank

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Alternative Lending

With the ever-changing market and a stricter stress test, many Canadians are finding it harder to qualify for a mortgage through traditional financial institutions “A-Lenders” and are turning to alternative lending solutions for their mortgage. At Mortgage Intelligence we work with many alternative lenders, who can offer excellent mortgage options with more flexible criteria and more lenient qualification requirements.

Alternative lenders are great for individuals who have non-traditional forms of income for example, capital gains, room rental income, child tax benefits and others or for self employed applicants who may not have the minimum required number of years being self employed.

These lending solutions are also a good option for those with lower credit scores. While the rate they offer is slightly higher than what you will see posted by an A-Lender, they are nothing out of the ordinary when compared to traditional rates posted in Canada. They also generally have shorter terms, meaning that you can get into the home of your dreams while being able to rebuild your credit at the same time.

Buyers who don’t qualify under the mortgage stress test can also take advantage of the expanded debt service ratios allowed by alternative lenders to qualify for a mortgage and get into the home of their dreams. If you have a very unique situation, we also have access to various private lenders who are even more flexible and lenient in requirements and may be able to offer you mortgage options that fit your situation. In today’s environment, we’re seeing more private lenders helping Canadians with their mortgages.

Call your Mortgage Intelligence professional to find out about the different options available to you. They are experts when it comes to mortgage products and different solutions and will provide you with unbiased advice. They work for you, not the lender.

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Nicole Bradley

Nicole Bradley

Mortgage Agent

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