Tony Chau
Mortgage Agent
FSCO Lic # M09000861
Direct: 647.219.1697
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Why Use My Services ?
Would you want to have a mortgage with the Best Terms and the Best Rate ?
I bet your answer is "YES, I Want
That !".
Most people will just go to the bank they normally deal
with, and take whatever mortgage product they offer. Or
they might go shop around at one or two more different
banks, inquire about their rates and find out that it is
about the same as their home branch .... they will just take
the mortgage offered by their bank.
Do you know that you may not be getting the "best deal" from your bank ?
Banks only sell their own
mortgage products, which might not be the best mortgage
suited to your needs.
But if you shop for a mortgage through a mortgage broker,
things are totally different.
VERICO Designer Mortgages Inc. is a brokerage that is an independent owner operator of the VERICO Financial Network. It has been
serving the Ontario community since 2007. Its foundations is built on ethics and client satisfaction.
Just like an insurance broker who finds you the best deal on insurance,
a mortgage broker finds you the best deal on a mortgage.
As a mortgage agent with VERICO Designer Mortgages Inc., I am independent and am
not "tied" to any particular bank or lender. In fact, I
deal with , including those who deal only with mortgage
brokers, who are all competing for your business.
I do all the "leg work" for you .... that is, shopping
around for the Right Mortgage For You. I will match your
mortgage needs to the appropriate lender, making sure that
you are getting the Best Possible Terms and Rates, according
to your personal circumstances.
I Save You Money. I Save You Time.
I Work For You, Not The Banks !
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Does It Cost Me Anything ?
The answer is NO*, the use of my services Costs You Nothing*
! I am compensated* by the Lenders for arranging mortgage
financing on your behalf.
*Certain situations exists where where client or properties do not
meet conventional lender's requirements. I
will attempt to find suitable financing via alternate
sources. Should this be the case, a fee (agreed upon in
advance) may be charged directly to you by my brokerage
"VERICO Designer Mortgages Inc.".
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Going directly to different lenders to shop
for a mortgage may actually HURT your Credit Rating !
Each time when you go to a different bank, trust company, credit union, or any other lenders to shop for a mortgage,
they will pull their own on you for your application. Your credit score will be affected if there are
too many credit report inquiries done on you.
As your mortgage agent, Only One credit inquiry is required, and I can shop for the best mortgage for you with
various lenders.
Have you ever been turned down by your bank for a mortgage
application because you are:
1) Self-employed with No Verifiable Income ?
2) Recently Immigrated to Canada ?
3) Trying to buy a Rental or Investment Property.
4) Have a Bad Credit History, or been Bankrupted
before ?
No problem .... I can help you to get a mortgage.
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