Your Mortgage, Your Choice
Smart Mortgage Choice
Your Trusted Mortgage Partner. Simple. Easy. Transparent.
Our Lending Partners
More than just great Rates.
A low lending rate is a good start, but there’s so much more to a great mortgage.
At Smart Mortgage Choice, we work to find the ideal solution that truly fits your financial life.
Easy Approvals
Our experience allows us to quickly determine if your mortgage is a good fit, so you get the answers you need without delay.
Build in Trust
Your best interests are our top priority. Every product and service we offer is designed to put you, our client, first—no exceptions.
Transparency for all
We believe in complete transparency. Our process is straightforward, with no hidden fees or surprises along the way.
Services We Offer
First Time Home Buyer
We simplifies your first home purchase with personalized guidance and tailored solutions.
New to Canada
We offer specialized mortgage solutions for newcomers to Canada, making your transition to a new home smooth and simple.
Refinancing
Alter your mortgage and lower your interest rates. With Smart Mortgage Choice, you can use up to 80% of your home’s value to better manage your debt.
Second Mortgage
Get a second mortgage without breaking your first. We offer up to 80% LTV, so you can access the funds you need to consolidate debt or for other financial needs.
Mortgage Renewal
Don’t just renew—strategize. Smart Mortgage Choice helps you navigate your renewal options to secure the best rates and terms for your changing financial needs.
Debt Consolidation
Combine your debts into one simple payment. We can help you get a single loan with a lower interest rate, reducing your total interest and helping you get out of debt faster.
Reverse Mortgage
Tap into your home’s value. A reverse mortgage from Smart Mortgage Choice gives you the financial freedom you need in retirement.
Tailored Solutions
We believe in personalized service. Smart Mortgage Choice offers flexible mortgage solutions and support tailored to your specific financial circumstances.
10 Reasons to choose Smart Mortgage Choice.
• Market Knowledge
We stay current on all the latest mortgage rates, terms, and repayment options available, giving you a comprehensive view of the market.
• Specialized Expertise
As dedicated specialists, we possess deep expertise in the industry and stay on top of the latest trends, ensuring we provide knowledgeable advice.
• Encourages Competition
By working with multiple lenders, we foster competition, which can help you secure a more competitive interest rate.
• Saves You Time & Money
We streamline the entire mortgage process, saving you significant time on research and paperwork, and potentially saving you a great deal of money on your loan.
• Client-Focused Motivation
Our success is built on client satisfaction, as we rely on referrals and repeat business to grow our practice.
• Extensive Network
We provide access to a wide network of lenders, including major banks, trust companies, credit unions, and private investors, expanding your options beyond what you could find on your own.
• Lifetime Support
We don’t just help with the closing. We offer continuous support throughout your loan’s life, including finding the best renewal options.
• Personalized Matching
We have the expertise to carefully assess your unique financial situation and match you with the mortgage that is best suited for your specific needs.
• Rate Guarantees
You can often receive wholesale mortgage rates that can be guaranteed for an extended period, sometimes up to 120 days.
• We Are Your Advocate
Most importantly, we work for you, acting as your advocate and working in your best interest rather than representing a single bank or institution.
Cheryl Geng
Mortgage Agent – Level 2
SMC.Cheryl@gmail.com
Phone
+1 647 708 8018