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Rumy Gill

Rumy Gill

Mortgage Broker

LIC# 10428
Language(s): English, Hindi, Punjabi
Specialties: Residential Mortgages, Alternative Lending

About

Broker

You want to get the most from your mortgage - now and in the years to come. As a professional Mortgage Consultant, I can do just that. From competitive rates to flexible options, I’ll work with you to find solutions that suit your needs. With access to over 50 competing lenders - including major banks, credit unions, life insurance companies, trusts and other national and regional lenders, I have the tools to get you the best mortgage, with the features and rate that meet your needs, whether you are:

  • purchasing your first or next home, or considering a vacation property;
  • new to Canada;
  • investing in property;
  • considering a large renovation project;
  • refinancing to boost monthly cash flow and save on interest costs;
  • looking at options for your mortgage renewal; or,
  • interested in repairing your credit so you can qualify for mortgage financing.

My business is built primarily through referrals from satisfied customers, which means your positive mortgage experience is essential!

It's worth a call to schedule a free, no obligation review of your situation. Because the right mortgage can build your wealth and save you thousands of dollars! I look forward to helping you achieve your dreams for homeownership.

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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Rumy Gill

Rumy Gill

Mortgage Broker

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