Page 52 - Dockside Magazine Muskoka, Summer/Fall 2018

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Helen always recommends working with a team of professionals when making large financial decisions.
A client’s financial planner
or accountant may advise setting up a trust or a
holding company to hold new purchases, for example. “With powerful ways to improve cash-flow, increase retirement income, consolidate debt, even prepare for estate transfer, we help our clients get the most out of their mortgage,” says Helen.
“I always like to get the financial planner involved early in the process,” she says. “It’s important to ensure that it is structured optimally to fit your specific scenario right at the start.” For that reason, Helen
and her financial partner encourage people to call for a no-obligation consultation – even if it’s just to get a second opinion before settling on a mortgage solution.
With a plan in place, Helen and her team can set
about getting
the best
financing. “We work with 35 to 40 banks, many of which just do mortgages,” she says. That diverse range gives access to the most competitive terms and rates in the marketplace.
“It’s not just about the best rate,” she explains. Some clients know they want to pay the mortgage off quickly, for example, so she will look for a lender with flexible repayment terms that can save the client money and tax.
Because Neighbourhod Dominion Lending Centres
is a significant player in the mortgage market – they were named Broker of the Year in 2017 – the banks have specific underwriters assigned to handle their accounts. That means Helen can get extremely fast approvals for mortgage applications – sometimes even same-day – which lets her clients act quickly when an opportunity arises. DS
BY ANDREW WAGNER-CHAZALON
to equity
PHOTOGRAPHY BY ANDREW FEARMAN
Refinancing now can open Ha world of financial options
ow is your financial reasons to refinance – you It might be home renovations, future looking? Are always want to do it at a time making a strategic investment, there big changes that is the most advantageous taking advantage of advanced
on the horizon, such as retirement, or changing jobs, or buying an investment property? Before those changes happen, this may be the ideal time to refinance your home.
“No matter why you are refinancing –
and there are a lot of good
to you,” says Helen West. An accredited mortgage agent for Neighbourhood Dominion Lending Centres, Helen has years of experience helping home- and cottage owners find the right financing at the right price.
Refinancing lets you take full advantage of the equity in your home, using that money for short- or long-term projects.
tax-efficient asset management strategies, or so much more. One of Helen’s clients recently refinanced his home to purchase a retirement cottage. “He is a few years from retirement, but he found the ideal cottage property now. By refinancing he was able to move on it right
away,” says Helen. And by refinancing when he was working, he got better terms than he might have if he’d
waited until retirement.
Helen West AMP, Mortgage Agent
for Neighbourhood Dominion Lending Centres
The Clock Tower Centre
49 Manitoba Street, Bracebridge FSCO M12002160
705-796-6445 • helen@ndlc.ca www.MuskokaMortgages.ca
Head Office: 1140 Stellar Drive, Newmarket FSCO 11764