In a first article, we presented you three loans judged on mortgage brokerage. But our little finger tells us that we haven't yet shattered all your preconceived ideas. So here are three new answers to your judged loans, with a bonus to be discovered at the end of the article.

Judgement call 4: The home loan broker would have the same role as the banker

Mortgage brokers and bank advisers have two very different roles. The broker acts as an intermediary between you and the banks. They advise you and then negotiate the best terms and conditions for your project. In total, atHomeFinance can present your project and then negotiate with 8 banks. This saves you a considerable amount of time. Then it's up to you to choose from the offers on the table.

The broker makes your life simple, efficient and stress-free. Trust atHomeFinance, our brokers take care of everything.

Stéphane

Judged loan #5: During the health crisis, residents reportedly stopped borrowing

It is true that the health crisis has slowed down activity and frightened some people, but it has also encouraged others to buy a new property.

Indeed, the atHomeFinance team has helped more than 550 clients finance their real estate projects to the tune of over €315 million from March 2020 to August 2020.

Hervé

Loan judgement no. 6: A fixed rate is safer than a variable rate

When we take out a mortgage, we want to get the best rate. Automatically, we tend to be interested in the fixed rate, which is a symbol of stability, and we do not want to hear about variable rates. However, the best rate is not the one that seems safest but the one that best suits your project.

It will be necessary to determine whether, for your situation, it is preferable to a fixed rate, a variable rate or an adjustable rate. But rest assured, the broker is there to guide you.

Jean

Bonus: Rates would go up after the health crisis

The last crises we went through have left us with bad memories on the real estate front. It is normal that after this health crisis, you are already imagining a sharp rise in rates.

But you can rest assured that rates have remained stable and at the same level as before the crisis.

And don't forget, mortgage brokerage at atHomeFinance is free!