Service PlusMortgages

THERE IS SO MUCH MORE TO YOUR MORTGAGE!

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FMA Agent #M08001763 - Mortgage Planner

ABOUT ERNIE ZAMBRI

Thank you for considering my mortgage planning services. For most people their mortgage represents their single larger and lowest-cost debt obligation - and their home is generally their most significant asset. That is why a mortgage plan is so important. The right mortgage plan can protect you from financial a financial downturn, save you thousands of dollars and help build your wealth over time. With access to a vast network of over 50 lenders, I have the tools to build a customized mortgage plan, with the specific features and options that meet your needs. Since my business is built primarily from referrals from satisfied clients, your positive mortgage experience is essential to me! Your mortgage is a big decision and a powerful financial tool. I look forward to helping you achieve your financial and homeownership goals.

 

Purchasing your first home

Investing in property or buying a vacation home

Refinancing to boost cash flow

Looking at options for your mortgage renewal

I AM ONLY A PHONE CALL OR EMAIL AWAY!

ONE SIZE DOES NOT FIT ALL…

WE DESIGN A CUSTOM MORTGAGE SOLUTION TO FIT YOUR SPECIFIC NEEDS!

 

JUST A FEW OF OUR TRUSTED LENDERS & PARTNERS

The great value the mortgage broker brings to the table is reinforced by the relationships established with the wide array of lenders he or she works with. These are just a few of the over 25 lenders we can shop your mortgage to, allowing us to provide a specific product that will meet your current financial situation as well as in the future.

You are richer than you think!

Caring about Canadian Homebuyers

Helping to bring you HOME

Banking can be this comfortable.

How We Do It

While Rate is always important with your mortgage, the devil is in the details. Understanding prepayment privileges and prepayment penalties can save you thousands over the life of your mortgage. That is why it is key to have a mortgage plan. Here is a look at how we do it.

Learn more about us

  • Get to Know Each Other

    At ServicePlusMortgages we don't just provide a mortgage, we provide a mortgage plan. To do that we like to know what your short and long term goals are, and what your financial situation and needs are. That way we provide a mortgage solution that could save you thousands in interest over the life of your mortgage not just the current term!

  • Complete Application

    The application or pre-approval process is easy and quick and can be done online. We are more than happy to help walk you through it. Remember, we are your personal mortgage planner and only an email or phone call away!

  • Review Options and Goals

    Now the fun begins as we submit your application and search for the perfect lender and product that meets the criteria we set for your current and financial goals! Then we choose, submit and begin the closing process!

  • “Ernie is a fantastic mortgage broker. A+ service and dedicated to servicing his clients. I would highly recommend Erine for all your financing needs.”

    David

  • “Ernie is the real deal. I never knew using a mortgage broker could be so easy...and not only did we get a great rate, we saved thousands in penalties. Ernie took the time to explain the details plus all of the pros and cons of each mortgage option. I recommend him highly!”

    Wayne

  • “Ernie's experience is second to none, and he is always looking out for his clients best interests and will always give them the best advice. I look to Ernie both for my clients and for my own personal Mortgage needs, and will continue to do so down the road as he has become a great business partner and associate! ”

    Shawn

MORTGAGE TERM EXAMPLES

The examples shown are for demonstration purposes only and are meant to show the variations between fixed and variable rate products. Be sure to contact me for the most current and up-to-date information!

    • 3-YEAR FIXED (as low as)

      2.29 %

      • Prepayment Privileges

      • Prepayment Penalties

      • Portability

      • Amortization

      • LOC

    • 5-YEAR FIXED (High Ratio)

      1.99 %

      • Prepayment Privileges

      • Prepayment Penalties

      • Portability

      • Amortization

      • LOC

    • 5-YEAR Conventional

      % 2.09

      • Prepayment Privileges

      • Prepayment Penalties

      • Portability

      • Amortization

      • LOC

Frequently Asked Questions

DOES A PRE-APPROVAL COST ME ANYTHING?

No a pre-approval doesn't cost you anything and can actually save you money because it protects your rate for up to 120 days!

HOW FAST CAN I GET PRE-APPROVED?

With our new pre-approval app, you can establish your budget, get pre-approved and be ready to go house shopping with just a few clicks of a button!

WHAT ARE THE ADVANTAGES OF USING A MORTGAGE BROKER?

That is actually a fairly easy question to answer. The Bank only has its product line to sell you while as a broker I can shop for the best product across over 20 lenders to be sure to provide you with a customized solution built specifically around your financial situation and requirements....We call it a Mortgage Plan for a reason!

SHOULD I GET MORTGAGE INSURANCE?

Mortgage Insurance has gotten a bad rap over the years for some very good reasons. That said, we deal with Manulife who offers a great product that you can put in place while you research any alternative options for protecting your largest financial investment. We would be happy to go over some of the benefits with you!

Contact Us

WE ARE ALWAYS ONLY A PHONE CALL OR EMAIL AWAY!

HEADQUARTERS

1026 The Queensway .
Suite 110-171
Toronto Ontario M8W 1P7

GET IN TOUCH

    Service Plus Mortgages

    Providing Mortgages Designed to Meet the Individual Needs of Canadian Home Buyers, With the Goal of Saving Them Thousands in Interest Over the Life of Their Mortgage!