Have a Question About Mortgages? Ask Niki! 604-992-3492
Niki Cuthbert, Mortgage Broker
Niki Cuthbert is an independent mortgage broker and co-owner of Ask About Mortgages- Mortgage Architects, located in beautiful British Columbia. She will take the time to discuss your specific situation, needs and goals to find the lowest mortgage rates and product best suited to you. When you work with Niki, she will explain the process and give you all your options to allow you to make a more educated decision before jumping right into the first home mortgage loan your bank offers you.
Getting the Best Mortgage Product
What most homebuyers do when applying for a home mortgage loan is they visit their local bank, however the lowest mortgage rates are usually not found at your bank.
When shopping for a home mortgage loan on your own, each time a lender looks at your credit, your beacon (credit) score will slightly drop. One big benefit to using Niki Cuthbert is that she can do all the mortgage rates shopping for you with only a single credit check, therefore, your credit score remains intact.
When you walk into a bank to apply for your mortgage, you are at the banks mercy. The person you are speaking to works directly for that bank. Niki works for you, not the lender, and therefore she is looking out for your best interests. Getting the right advice is crucial, and with years of experience funding mortgages, she can provide you with the right information that could end up saving you thousands of dollars. There are no additional fees for qualified borrowers, as she receives a “finder’s fee” from the mortgage lender. In most cases, she is able to get you better than bank mortgage rates and the process is more enjoyable.
With Niki’s years of experience placing mortgages, she knows how the system works and can negotiate your mortgage for you, getting you the best possible deal. As she deals with over 40 different mortgage lenders, you can sit back, relax and let her do the mortgage rate shopping for you! It is important to Niki that she ensures you have the best home financing experience possible, as she wants to earn your home financing business for life.
If you are looking to purchase a property, understanding all the mortgage options available to you can seem overwhelming. That’s where I come in, I do this everyday, and I love it. I will help you make sense of all the numbers and provide you with options that make sense to you and arrange the mortgage that suits your goals! However step 1 is to get a pre-approval. We should talk!
Your home is your most valuable asset. My goal is to help you make the best of it by helping you manage your mortgage. Regardless if your mortgage is up for renewal or you happen to be in the middle of a term, I would love the opportunity to review your mortgage at no cost to you to make sure you aren’t paying too much in interest! Saving you money is what I do.
If you are within 6 months of your mortgage renewal, or if your existing lender has sent you a renewal offer in the mail, the first thing you should do is send it to me. I will give you a second opinion and in most cases, I will be able to save you money. Never just sign the offer, there is always room to negotiate, and I am here to help you so that you don’t have to do those negotiations alone!
Are you looking to access some of the equity built up in your property? Maybe you want to consolidate some debts, start a new business, buy a vacation or investment property or travel the world… regardless, I can discuss all your mortgage refinancing options with you!
First Time Home Buyers
If you are looking to purchase your first home, then you have come to the right place! I love answering questions so much that I actually use “Ask about mortgages” in my branding. And I mean it… I love helping first time home buyers understand what mortgage financing is all about. Let’s walk through the process together and make sure you feel comfortable with the entire process.
Before you go out and start shopping for a new house, you need a plan. It doesn’t matter if this is your first time buying a home or your hundredth, financial situations change, rules change, interest rates change. The best place to start is to contact me directly. We will work through your situation together and you will know exactly how much buying power you have! Talk soon!
“I am a Real Estate agent and was put into a deal with Niki by default as I had never worked with her. Since then, I have referred every single client of mine to her as she is unbelievable. She acts as my personal reminder when things are needed and she always is prompt and extremely trustworthy. Every person I have referred to her is impressed by how well she handles the deal. If you haven’t given her a shot at your mortgage yet – try it once and you will never look back.”Condo Leo
“I would just like to say that Niki helped me with my mortgage and I had no clue what I was doing. She was so patient with me and bended over backwards to help me, she took all the stress out of the process and handled every detail, not to mention it was a complicated situation to begin with. I would highly recommend her !!!!!! Sweetest person I’ve met in a long time.”H.D.
Niki is AWESOME! She is reliable, fast, and on track. This is my first home purchase and Niki held my hand every step of way. She is VERY dependable and truly a pleasure to work with. I would highly recommend her to anyone.M.Y.
Dear Niki, First off, congratulations on the new venture under Mortgage Architects. I wish you continued success as you grow this exciting new brand and business. Today is the first anniversary of my home ownership – me – a home owner. I never could have imagined it and it wouldn’t have been possible without the strong women who helped get me there -you’re on of them. Thank you! To celebrate this achievement and honor these strong women, I’ve made a donation to the North Shore Crisis Services Society with the hope that fom a crisis another strong woman will emerge. Thanks again!LM
I have referred several friends and clients to Niki for her expertise in Mortgage financing and the feedback I have received is she was incredibly fast, very friendly and found my clients financing options that were the among the best in the industry. I highly recommend her services.J.O
Niki truly is the best of the best. Hands down. After the banks turned out to be less than helpful due to how my employment is contract based, Niki was able to secure a fantastic mortgage easily (well, she made it look easy!) for our first property. She then went above and beyond when it came to sell that property and upgrade; securing fantastic rates and outshining the banks poor options.
It feels like Niki is always on your side, sweats the details and fights for the best rates and options; like it was her own mortgage. She answers all questions promptly, professionally and in layman terms if need be!
I can’t recommend Niki and her team enough and will be using her services for years to come. Thank you Niki.James Humphries
Highly, highly recommend. Niki got us an unbelievable rate, was super accommodating for all our needs (including some last minute ones), and overall was a joy to work with. Could not have asked for a better person to help with such an important transaction. If you’re considering a mortgage, just give her a call and see for yourself. You will not be disappointed.Jordan Menashy
Some of My Lenders
If you've tuned into the news today, you've probably heard that there are new mortgage rules coming into effect on January 1st. 2018. Over the next week you'll most likely hear a lot of commentary on whether these rules are good, bad, necessary, or unnecessary. And no...read more
It has been said that there are two certainties in life; death and taxes. Well, as it relates to your mortgage, the single certainty is that you will pay back what you borrowed, plus interest. However, how you make your mortgage payments, the payment frequency, is...read more
No doubt about it, buying a home is an emotional experience. It's a game of balancing needs and wants, while trying to be honest with yourself about those very needs and wants. It's hard to get it right, figuring out what's negotiable and what isn't... what you can...read more
There aren't too many Canadians who are able to save up enough money to pay cash for their home. This is why we have mortgages. A mortgage is a loan made to assist a borrower to purchase a property. The property is held as collateral and interest is charged on the...read more
If you have no desire at all to qualify for a mortgage, here are some great ways to make sure you don't accidentally end up buying a house and taking out a mortgage to do so. One of the best ways to ensure you won't qualify for a mortgage is to be unemployed. Yep,...read more
Have you ever been approved for a mortgage? More importantly, have you ever been declined? Do you know why you were approved or declined? Or maybe you are brand new to the whole mortgage process… regardless, happy to have you here! This is the introduction post to a...read more