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Applying for a mortgage shouldn’t be hard or confusing,
let’s break this down and make it simple for you!
Are you Accredited?
I’ve heard that the more times I get my credit checked, the lower my credit score will be. Is this true?
Yes, the amount of inquiries to your credit bureau report can affect your credit score. One of the advantages of using The Mortgage Centre – BC Direct Mortgages is that we check your credit bureau report only once, and we are able to take your application to more than one lender without doing multiple credit checks.
What are Fixed and Variable rates?
In a Fixed Rate Mortgage, the interest rate is fixed for a specific amount of time. This period of time (the mortgage term) can range anywhere from 6 months to 10 years. Over the course of the mortgage, less of the payment counts toward interest and more toward the principal.
A Variable Rate Mortgage is one in which your interest rate will fluctuate with the Bank of Canada’s prime lending rate. When rates go up, a larger portion of the payment goes toward interest. When rates go down, more of the payment goes toward the principal.

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We can’t wait to get the right mortgage in your hands. It’s a thing that we’re good at.