There are generally two ways to get a mortgage in Canada: From a bank or from a licensed mortgage professional.
While a bank only offers the products from their particular institution, licensed mortgage professionals send billions of dollars in mortgage business each year to Canada’s largest banks, credit unions, trust companies, and financial institutions; offering their clients more choice, and access to hundreds of mortgage products! As a result, clients benefit from the trust, confidence, and security of knowing they are getting the best mortgage for their needs.
Whether you’re purchasing a home for the first time, taking out equity from your home for investment or pleasure, or your current mortgage is simply up for renewal, it’s important that you are making an educated buying decision with professional unbiased advice.
More importantly you want to make sure your MORTGAGE fits your FINANCIAL PLAN. At BiggerPiggyBank.com we believe that all aspects of your financial life have to work together to meet your individual needs and goals. This is what makes us different – a comprehensive evaluation of your overall financial situation to ensure you have the right mortgage with access to appropriate, relevant financial planning resources and products.
We want to see your piggy bank grow. To do this you have to look beyond the rate and consider the big picture. That’s where we come in. We’ll help evaluate your current situation, resources, needs and goals and get you on track to a healthy financial future.
We can help with all your mortgage and personal financial planning needs including:
- Mortage for a New Home
- Mortgage Renewal
- Equity Takeout
- Mortgages for the Self Employed
- Debt Consolidation
- Planning for Retirement
- Saving for Your Child’s Education
- Risk Management
- Life and Disability Insurance Needs
Joe Czempoyesh (License M08000563)
Tel: 519-622-9111 ext.2
Joe has been a Mortgage Broker since 1991 and in 1993 became a partner in Hartland Mortgage Services. He was a founding member of one of Canada’s largest super brokerages, Mortgage Intelligence, which took part in bringing unsecured American funding to Canada through GMAC.
Currently he is a partner at Dominion Lending Centres, a partner in Canadian First Financial Centres and a founding shareholder of Canadian First Financial Holdings, which recently obtained its charter as a Schedule 1 bank. Joe also sits on the advisory board of Canadian First Financial Bank which recently acquired MonCana Bank of Canada.
Joe is an avid cyclist and has participated in some of the most grueling mountain bike races in the world. He continues today raising money and awareness for childhood cancer with Team Purple.
Peter Johnson (License M08000721)
Tel: 519-622-9111 ext.1
Peter has had a successful 26 year career in the mortgage industry and has sat on a number of Mortgage Advisory Boards with the major banks. He opened Hartland Mortgage Services in Cambridge in 1989. He was a founding member of one of Canada’s largest super brokerages, Mortgage Intelligence, which took part in bringing unsecured American funding to Canada through GMAC.
Currently he is a partner at Dominion Lending Centre, a partner in Canadian First Financial Centres and a founding shareholder of Canadian First Financial Holdings, which recently obtained its charter as a Schedule 1 bank. Peter also sits on the advisory board of Canadian First Financial Bank which recently acquired MonCana Bank of Canada.
Peter is a life long resident of Cambridge and is an active coach in Cambridge Minor Hockey.
Chris Blunt (License M08000718)
Bio coming soon…
David has been working with clients to create wealth, reduce income tax and plan for retirement since 1993. David moved from a large national firm to become a branch owner of Canadian First Financial Centres and one of the founding shareholders in Canadian First Financial Holdings which recently obtained its charter as a Schedule 1 bank. David loves working with clients and seeing the positive results from the strategies that are put into place.
David lives in Cambridge, with his wife Linda and two children, and enjoys volunteering with the Sunrise Rotary club of Cambridge. David enjoys skiing, biking, hiking, traveling, being chauffeur for the kids and spending time with family and friends.