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Astra Mortgage

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by Astra Mortgage

4 episodes

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Podcast Overview

Looking for an investment that can make you feel proud? Yes, Real Estate is definitely such a deal. But bigger the investment, bigger the risk. How do you find what mortgage suits the best if you are just making the first purchase for yourself? We are happy to help you! Astra Mortgage is a mortgage broker firm based in Surrey,BC Canada. We help immigrants, small business owners, freelancers and salaried professionals to make it easier for them to own a house in Canada. This podcast will help you get the basic and advance level of knowledge before you visit your mortgage consultant.

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Publishing Since

1/16/2020

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Recent Episodes

January 30, 2020

#4 What do you need to provide to the mortgage lenders for pre-approved mortgage? All you need to know about the documents.

Before pre-approving your mortgage, a lender will look at your current assets like what do you own, your income and your current level of debt. You’ll need to provide your lender or mortgage broker with your identification number, proof of employment, proof or assurance that you can pay for the down payment and closing cost, information about your additional assets, such as a car, cottage or anything that may help you get a mortgage. Lender will discuss and would like you to share information about your debts or financial obligations, your future plans and your career goals. For proof of employment, your lender or mortgage broker may ask you to provide: <ul> <li>proof of current salary or hourly pay rate (for example, a current pay stub and a letter from your employer) </li> <li>your position and length of time with the organisation </li> <li>Notices of Assessment from the Canada Revenue Agency for the past two years, if you're self-employed </li> </ul> For proof you can pay the down payment, your lender or mortgage broker may ask you to provide recent financial statements from bank accounts or investments. Your debts or financial obligations may include: <ul> <li>credit card balances and limits, including those on store credit cards </li> <li>child or spousal support amounts </li> <li>car loans or leases </li> <li>lines of credit </li> <li>student loans </li> <li>other loans</li> </ul> Astra mortgage is one of the finest mortgage brokers in British Canada covering the entire area of Greater Vancouver Region. Visit us as <a href="https://anchor.fm/dashboard/episode/eads5k/metadata/astramortgage.com/pages/home">astramortgage.com</a> or find us on <a href="https://www.facebook.com/astramortgage/">Facebook</a> or <a href="https://www.instagram.com/astra_mortgage/">Instagram</a> and write a message to us. We look forward to help you reach your dream home. If you are serious about purchasing a home in Canada, feel free to connect with us for a free consultation by just typing ‘Free Consultation’ on our <a href="https://anchor.fm/dashboard/episode/ea7amj/metadata/m.me/t/astramortgage">Facebook Chat</a> or visit our website at <a href="https://anchor.fm/dashboard/episode/ea7amj/metadata/astramortgage.com/pages/home">astramortgage.com</a>

January 25, 2020

#3 How to apply for a mortgage?

It is one of the most common questions by the first home buyers. Where to get a mortgage from? or how to apply for a mortgage? This post will help you understand the major mortgage providers out there. Mortgages are available from several types of lenders, such as: <ul> <li>banks </li> <li>mortgage companies </li> <li>insurance companies </li> <li>trust companies </li> <li>loan companies </li> <li>credit unions </li> </ul> Different lenders may have different interest rates and conditions for similar products. Talk to several lenders to make sure you’re getting the best mortgage product for your needs. Although you may decide to switch lenders later, it’s important to be comfortable with the lender and the mortgage options they offer you right from the start. If you switch lenders after signing your mortgage contract, your lender may charge you a prepayment penalty. Make sure you understand the terms and conditions of your mortgage contract. You can also consult a mortgage broker. Mortgage brokers don’t lend money directly to you. Mortgage brokers arrange transactions by finding a lender for you. Some lenders only offer their products directly to borrowers, while some mortgage products are only available through brokers. Since brokers have access to a number of lenders, they may give you a wider range of mortgage products and terms to choose from. Mortgage brokers don’t all have access to the same lenders. This means the available mortgages vary from broker to broker. When you’re considering a mortgage broker, ask which lenders they deal with. This also helps you establish trust in the mortgage. Mortgage brokers generally don’t charge fees for their services. Instead, they usually receive a commission from the lender when they arrange a transaction. Astra mortgage is one of the finest mortgage brokers in British Canada covering the entire area of Greater Vancouver Region. Visit us as <a href="astramortgage.com/pages/home">astramortgage.com</a> or find us on <a href="https://www.facebook.com/astramortgage/">Facebook</a> or <a href="https://www.instagram.com/astra_mortgage/">Instagram</a> and write a message to us. We look forward to help you reach your dream home. If you are serious about purchasing a home in Canada, feel free to connect with us for a free consultation by just typing ‘Free Consultation’ on our <a href="https://anchor.fm/dashboard/episode/ea7amj/metadata/m.me/t/astramortgage">Facebook Chat</a> or visit our website at <a href="https://anchor.fm/dashboard/episode/ea7amj/metadata/astramortgage.com/pages/home">astramortgage.com</a>

January 16, 2020

#2 A guide to own a home in Canada | The Mortgage Podcast

Canada is one of the most welcoming countries on the planet with a great lifestyle and numerous opportunities for career and wellbeing. If you are already here, you might be interested in buying a house in Canada, here are some tips for you. Just a quick note before the tips, you can connect with us directly on Facebook chat or the link in the description for details. Tip #1 Compare how much you currently spend on expenses and debt payments with the amount you have saved or invested. This will help you identify, how much money would you be spending on these expenses for a long period. Keep in mind, if you invest in shares or bonds or likewise, the returns may vary according to the market situation. Tip #2 Figure out how much can you afford to spend on housing each month without risking your financial health? In order to own a house, you may want to buy a mortgage and depending on your current income sources you will have a recurring sum of money to repay your mortgage. This should not risk your further goals keeping in account your health, any untoward conditions and your savings. Tip #3 Find how much do you pay for the down payment. Generally, you need to pay about 5% of the total mortgage value of the house you want to purchase. This depends on the amount you are willing to pay as a down payment and your historical credit score. Tip #4 Recalculate how much would you be spending each month with homeownership expenses added to your current financial situation. Calculate the sum you would have to pay if the mortgage is approved and the monthly instalments add up to your current financial situation. Your banks or lenders will consider this before they approve the mortgage. Thus, it is better to prepare for this before you even apply for a mortgage. Tip #5 Understand what is your credit score. Credit score is simply a standard that shows your ability to consistently pay the bills and debts with a copy of your credit report.  This turns out to be a crucial criteria for your home ownership plans. Tip #6: Last but not the least. Understand what are the upfront costs that you might need to pay apart from the instalments for your mortgage. That is <ul> <li>home inspection and appraisal fees </li> <li>insurance costs </li> <li>land registration fees </li> <li>prepaid property taxes or utility bills (the buyer reimburses the seller or builder) </li> <li>legal or notary fees </li> <li>potential repairs or renovations </li> <li>moving costs </li> <li>GST/HST/QST on a newly built house or mortgage loan insurance </li> </ul> If you are serious about purchasing a home in Canada, feel free to connect with us for a free consultation by just typing ‘Free Consultation’ on our <a href="m.me/t/astramortgage">Facebook Chat</a> or visit our website at <a href="astramortgage.com/pages/home">astramortgage.com</a>

4 total episodes available

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Frequently asked questions

Have a different question and can't find the answer you're looking for? Reach out to our support team by sending us an email and we'll get back to you as soon as we can.

What is Astra Mortgage?: Looking for an investment that can make you feel proud? Yes, Real Estate is definitely such a deal. But bigger the investment, bigger the risk. How do you find what mortgage suits the best if you are just making the first purchase for yourself?

We are happy to help you! Astra Mortgage is a mortgage broker firm based in Surrey,BC Canada. We help immigrants, small business owners, freelancers and salaried professionals to make it easier for them to own a house in Canada.

This podcast will help you get the basic and advance level of knowledge before you visit your mortgage consultant.
How often does this podcast release new episodes?: This podcast updates daily.
Where can I listen to this podcast?: This podcast is available on 4 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.
Does this podcast accept guests?: No, this podcast does not typically feature guests.

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