Welcome to the web site of Lynda Smith.

Why Use a Select Mortgage Broker Like Me?

Think of me as your free personal mortgage shopper.  I can obtain mortgages at more than sixty lenders, and I have instant access to the best rates, sales, specials, and promotions.  It would be impossible for you to check all of my lenders for the best rate, and by the time you got half way through, the first one might have a new rate sale!  You are welcome to come in to my office,  or just relax and arrange your mortgage from the comfort of your own home or office.  It's about getting you the best deal, while providing you the utmost in service and convenience.   Rest assured that all information that I receive in any form is strictly confidential, and I only use lenders that I would use for myself or my own family!

I am a resource of information for you, and a friendly voice on the end of the phone.  I hope that you will enjoy the relationship of trust that I develop with my clients, which is why they send their friends and family.

 I have more options - Your bank or credit union has one set of mortgage products and mortgage rates to offer. I have the mortgage products of over 60 mortgage lenders (see Lender List) available to me, and am not tied to any one lender.  Almost every lender has different policies so one will often approve a mortgage while many others won't;  I can help you find the lender with the best mortgage product and rate for you.   See Mortgage Options  and Mortgage Basics for descriptions of mortgage products.

I am paid by the lender not you- residential mortgage brokers are paid by the lender where we place the mortgage, and not the client.  My compensation is based on the size of the mortgage - not the mortgage rate, so you can feel comfortable knowing that I will work hard to get you the best rate. There are a few exceptions to this, but I would advise you before hand if that was the case.

We're a growing trend - In Canada, approximately 1 in 4 mortgage borrowers are using a broker, and almost 1 in 3 in BC. Mortgage brokers are not just for those with bumpy credit histories.  My clients include average families, professionals, first time buyers, self employed workers, vacation home buyers, rental home buyers, and clients from all backgrounds.

My company is local and independant -  Unlike many other mortgage companies, Select Mortgage is Canadian - based here in BC - and is not owned by a financial institution.  Select Mortgage may be local, but produces enough mortgage volume to allow me to access the very best and largest mortgage lenders - something smaller mortgage companies can't always do.

I am a Licensed Professional - As a member of the Mortgage Brokers Association of BC, I have met academic requirements for licensing, and am governed by strict professional rules of conduct designed to ensure that the advice I give is impartial and meets the needs my clients. Licensing is not required of mortgage representatives in most traditional financial institutions.

Whether you're a first time home buyer, renewing an existing mortgage, refinancing, buying a rental property, or looking for ways to pay off your mortgage early, I will be able to help answer your mortgage questions.  Here are just some scenarios where I can find you great mortgage solutions:

Even if you've already visited your bank about your mortgage needs, talk to me too for a no obligation quote.

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