Read Our Reviews

Client First Mortgages is rated 4.78 out of 5.0 stars based on 45 review(s).

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Made simple quick easy efficient Great job Steve

- Claudette Roy

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Steve has been great. Very professional and most helpful. I wouldn’t hesitate to refer him to friends and family.

- Cynthia Schurink

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We changed our financing a few times during the course of our purchase and sale. Steve jumped through hoops every time and made it work for us even when we didn’t think it would.

- Veronica Martin

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Steve made it very easy and simple got a great rate for us highly recommend

- Derek Doucette

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Steve offers outstanding service! Covers all bases for very smooth transitions through the entire process. Thank you.

- Jamie Parkin

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Great guy great service

- William Carrie

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Excellent, professional, efficient. Impressive. Very thankful to have Steve organize the deal.

- Cheryl Harrington

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I was very impressed with the service I received with ClientFirst. I highly recommend them. Very professional and knowledgable.

- Susan arnold

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Very good

- Todd Wiebe

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Steve was extremely helpful, knowledgeable and prompt. He made the process and my options easy to understand and I would highly recommend him to anyone.

- Glen Fishbook

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Steve is fantastic, gets the job done with little fuss and he is clear in explaining the process and mortgage products

- Timothy McCutcheon

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Great service! Thanks Steve!

- Clive Ivins

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Thanks for the work and time you did Thanks again

- Ricky Vella

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Steve was very organized, informative, punctual, and reassuring especially with everything going on with the pandemic and not being able to meet people in person.

- Brodie Procyk

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Very professional, and well informed. I appreciated the advice and service. Steve kept me informed of the latest information and market advice, and quickly helped with my mortgage needs and future planning. I would definately recommend, and will use again Client First Mortgages.

- Susan Arnold

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Steve is very professional and made the mortgage process quick and easy!

- Kent Senko

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This was our first home purchase, Steve was very patient with us, not only explaining all the steps of the mortgage application process but also walking us through various scenerios and concerns.

- Robert Gora

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I would highly recommend Steve DSouza as an amazing mortgage broker. This was my first experience with using a mortgage broker and I must say that he was so on top of every part of the process, extremely professional, and got us an amazing result in a very timely manner, especially through this COVID-19 time in our lives. I highly recommend using Steve DSauza for your mortgaging needs.

- Lynn Anderson

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Steve made the mortgage process smooth and simple. As questions arose, communication was clear and helpful. As a first time a first time home buyer, the learning curve of finding an ideal mortgage resembled less of a mountain and more of a hill. Would recommend.

- Joel MacLean

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Hey there Steve. You made the process smooth and informative; you brought clarity when answering questions and it couldn't have been a better process. The place is great, and our transition into it has been easy! We will definitely recommend your services to friends and family.

- Joel M and Aaron M

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First Class

- Richard Brown

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Steve was very helpful from the beginning. He was knowledgeable and professional. Highly recommended!

- Alan Braun

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This was my first time using a Mortgage Advisor and I wasn't disappointed. Nathan was professional, helpful, knowledgeable, and so informative. I got a great rate on my mortgage. I would definitely recommend Nathan to my friends and family.

- Jennifer Baillie

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Very professional and got me a great rate!

- Pamela House

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great job

- Nelson Talbot

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Great to work with; knows his stuff.

- Scott Walters

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Had the privilege of working with Steve D'souza as my mortgage advisor. He went over and above for me and gave me all the information when it comes to the fine details of the mortgage and the best deal. Will definitely be recommending Steve to all my friends and family.

- William Lawless

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We’ve worked with Nathan Isherwood twice now and the process is easy for clients who might not be doing mortgage applications often and his explanations are clear and easily understood.

- Greg Basham

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We've worked with Nathan Isherwood twice now and the process is easy for clients who might not be doing mortgage applications often and his explanations are clear and easily understood.

- Greg Basham

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Steve was easy to work with! He made the process smooth and reduced the stress of financing. His communications were clear and timely. We would definitely use his services again.

- Lisa-Dawn Markle

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I highly recommend Steve & Nathan at Client First Mortgages! I will continue to use personally and recommend to my friends and family for all their new mortgage and re-financing needs!!

- Chase Shymkiw

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I highly recommend Steve & Nathan at Client First Mortgages! I will continue to use personally and recommend to my friends and family for all their new mortgage and re-financing needs!!

- Chase Shymkiw

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I highly recommend Steve & Nathan at Client First Mortgages! I will continue to use personally and recommend to my friends and family for all their new mortgage and re-financing needs!!

- Chase Shymkiw

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I highly recommend Steve & Nathan at Client First Mortgages! I will continue to use personally and recommend to my friends and family for all their new mortgage and re-financing needs!!

- Chase Shymkiw

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I highly recommend Steve & Nathan at Client First Mortgages! I will continue to use personally and recommend to my friends and family for all their new mortgage and re-financing needs!!

- Chase Shymkiw

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Steve! Thank you so much for everything, the mortgage process was seamless and pleasant. Usually a stressful process but you made it so much better, Star and Nabi

- Setareh Doustdar-Haghighi

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Steve always makes himself available, even for the most simple of questions.

- David McKillop

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We recently purchased an investment property and had Steve help us out. He was able to get us qualified at a lower rate and for more money than the bank. He was a pleasure to work with.

- Brad Davis

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We had a really short contract period but Nathan was able to get us approved at a great rate and without any hassles. The whole process was smooth and stress free. Thanks.

- Bradley Davis

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Steve was so helpful, calm, and encouraging every step of the way - he made what could be a very stressful process as smooth and painless as could be. Thanks Steve!

- Natalie Jones

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We are very happy with our dealings with Nathan. He was able to set up things for us quickly and answered any questions or concerns we had.

- Constance Robson

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This is our second time using Steve as our mortgage broker. He goes above and beyond every time. Always answers questions we have no matter how big or small, and lets us know what is going on every step of the way! He’s amazing at his job and very knowledgeable!

- Jennifer Boyes

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No one better than Nathan

- Michelle Lycan

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Steve's caring and knowledge was essential.He is an asset to your company!

- Hooshang Jafarzadeh

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Excellent experience. We will highly recommend Steve.

- Christopher Rankin

What is the best Mortgage term now?

With interest rates at a historic low, Canadian homeowners and buyers are eagerly locking in new mortgages. The question however is, how long should my mortgage term be?

It’s tempting to stick with the old reliable 5-year term – especially with lenders offering fixed rates as low as 2.49%, but is that the best option for everyone?

What is a mortgage term?

A mortgage term is the length of time you choose to sign on with a particular lender, whether that’s a major bank, credit union or private mortgage investment corporation. A term can range from anywhere between 6-months and 10-years. The 5-year term is by far the most common. All the conditions of your agreement with the lender will last for the entire term, including your interest rate. Lengthier terms usually come with higher rates, because you’re protecting yourself from big interest rate hikes for a longer period of time. It’s not always so simple though, sometimes market conditions will see lenders charge a premium for a shorter term.

What is the amortization term?

The amortization is the total number of years it will take to pay off your mortgage. The most common amortization in Canada is 25 years. Over that span of time, you will spend multiple terms with various lenders – or keep renegotiating with the same lender, if you want.

What is the right term while rates are so low?

The answer is different for every home buyer. For homeowners who don’t plan to move within the next five years, a longer term is a better choice, because 5-year rates are incredibly low right now. They’re usually a bit more expensive than shorter terms, but you’ll score a dependable rate and payment that won’t fluctuate with today’s uncertain economy. The benefit that has on your budgeting cannot be overstated.

The other advantage to a longer term, is that it can survive a big or surprising life change (losing a job or having new baby) . If you don’t think you will be living in your home for more than three years, it will be better to choose a shorter term, or a variable rate.

When you move, you may have to break your agreement with your lender early, and depending on how much time you have remaining in your term, the penalty for breaking your mortgage can be substantial.

Generally speaking, if rates are low, choose a longer term so you can hold on to that deal for as long as possible. When rates are high, shift to a shorter term, so your renewal will come up in time to take advantage of lower rates, once they come around again.

Remember to talk to your mortgage broker. He will be able to give you the best advice, as there are many things to consider when choosing your mortgage option. For example, an open or flexible mortgage often has a higher rate, but you’ll be able to pay it down as fast as you want without costly penalties and portable mortgages will let you bring your term to your new home.

Original article: www.business.financialpost.com