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Remember! Most lenders have different approval criteria. Your mortgage application may be declined by one lender yet approved by another.
Mortgage Approval and Interest Rates are determined by your Credit History, Debt Ratio, the Property being Financed, and size of Down Payment. If the interest rate seems to good to be true, ask about hidden service charges and penalties for cancelling early.
Everyone wins when business is kept in the local community - it keeps our economy healthy and property values up. Consider the local branches of CIBC, Royal and Scotia Bank. They are well versed in re-location options, will work with rate buy-down options you might have, and are eager to have your business. If you aren't happy they'll see you regularly, making your satisfaction really important to them. You'll get a great interest rate and build a relationship with people who live and work in your new neighborhood.
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