Sue Morton - Mortgage Agent at Mortgage Intelligence in Paris, ON
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Sue Morton

Mortgage Agent

Lic # 10428

sue.morton@migroup.ca

Work

(519) 222-9917

Languages: English

Specialties: Residential Mortgages, Self Employed, First-Time Home Buyer, Alternative Lending

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About Me

About Me

Susan Morton
Mortgage Agent (Lic# M11001056)

In my capacity as a Mortage Agent, I assist borrowers with residential mortgages and secured lines for new purchases, second homes, rental properties and new construction.  For renewing mortgage holders, I’m happy to advise of the options available at renewal.  With access to over 50 lenders, I can shop the market to get the mortgage best suited to your needs.  I arrange property refinancing for debt consolidation, marital separation, renovations, and can deal with all kinds of unique situations, such as self-employed income and first-time home buyers.  I have access to alternative lenders for borrowers that don't quite fit the "A" market and I also have referral arrangements with commercial lenders.  The rules around property financing have become increasingly more complicated so it’s important to have someone that understands and stays current with the changes.  Let me help you find the right mortgage for your situation!


 

 

7 reasons to use a Mortgage Broker over your Bank

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Self Employed

Borrowing money is harder for many self-employed Canadians. While there is broad recognition that self-employed Canadians are reliable borrowers, it may be difficult to navigate the mortgage process and the different options available specifically for this group. We can help turn the tables. These individuals may run their own businesses, or work in a profession where the main source of their income is predominately capital gains, a form of income that is generally not considered by most “A Lenders”.

We work with self-employed homebuyers every day and understand the challenges that they may face when arranging a mortgage especially with no standard proof of income. Our brokers are experts when it comes to mortgage solutions and have access to multiple options, including mortgage products designed specifically for self-employed Canadians. They can pinpoint which lenders have more favourable terms and requirements and advise you on how you can improve your options to get the best possible rate and terms.

The more complex your mortgage situation, the more sense it makes to use an experienced mortgage professional who can help simplify the process and help you achieve both your short-term objectives and your long-term financial plan. Most of all, they allow you to stay focused on your business, alleviating the burden of many time-consuming and frustrating tasks and meetings associated with securing a mortgage and will also work around your busy work schedule. Many will even travel to your work site if required to make the transaction as convenient as possible for you.

Remember, that independent mortgage professionals work for YOU, not the lenders or banks, so you can rest assured that their advice is unbiased and in your best interest when it comes to finding the right lender and right product to meet your needs. Find out what your options are, give us a call.

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.

Find the right solution for your home ownership needs

Find the right solution for your home ownership needs

Helping make home ownership happen

Helping make home ownership happen

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What's your credit score?

Today's Exclusive Mortgage Intelligence Rates

As of December 08, 2022

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* Insured mortgage rates, subject to change. Conventional and refinance rates may be higher. OAC. E&OE

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