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Sue Black-Garland – BR

Sue Black-Garland - BR

Mortgage Broker

English
Specialties: Residential Mortgages, Reverse Mortgages

About

Broker

Invis is one of Canada's largest mortgage brokerages. With offices from coast to coast, our strength and experience allows us greater leverage in negotiating the best products and rates with over 50 lenders across the country.

I work hard to provide maximum flexibility in financing options and deliver the most competitive and innovative products and services to suit your individual needs. 

As an Invis Mortgage Consultant, I will:

  • determine your specific mortgage financing needs
  • negotiate with lenders on your behalf
  • get you the most competitive rates

And I will offer you the widest choice of mortgage options including:

  • variable rate mortgages
  • capped variable rate mortgages
  • fixed rate mortgages
  • mortgages for rental properties
  • mortgages for the self-employed
  • zero down payment mortgages and more...

I will counsel you on credit and mortgage qualifications, offer efficient and highly personalized service, and help you every step of the way. 
 
Whether you're a first time or repeat buyer, wanting to renew or refinance your existing mortgage, I can negotiate the best mortgage on your behalf.  
 
The good news is that there is no cost to you for my services - the selected lender pays Invis to source the mortgage.* You benefit from my access to lenders, market knowledge, exceptional negotiation skills, as well as my commitment to highly personalized service. 
 
Why wait? Access your options today. !
 
*On approved credit (O.A.C.) / Fees payable to the mortgage broker and/or lender may apply in specific circumstances.
 
Member, Canadian Institute of Mortgage Brokers and Lenders
E. & O.E.

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Reverse Mortgages

If you’re a homeowner over the age of 55 and want to tap into your home equity, a reverse mortgage can be the right solution for you. A reverse mortgage is also known as an “equity release”. With a reverse mortgage, you can access up to 55% of the equity in your home tax-free as a lump sum or monthly cash deposits. The maximum amount you are able to borrow will depend on your age, your home’s appraised value, and our lender. No mortgage payments are required and you maintain ownership of your home. Repayment of the loan and interest is only required once you move or sell the home. At the end of your loan term, you may have less equity in your home. If you don’t make any payments, which is fine, you may have a larger interest payment to make when the home is sold.

A lender will often ask you to consult a lawyer prior to giving you a reverse mortgage to ensure you understand the conditions of the mortgage. The lender can never force you to sell your home to repay the reverse mortgage. It is also important to note that all existing loans on the property, including a mortgage or a home equity line of credit must be paid off prior to getting the mortgage.

Whether you’re looking for a financial cushion to live comfortably, funds to cover monthly expenses, pay off debt, renovate or fund your children’s education, you can use the funds from a reverse mortgage in any way you want without restrictions! What’s more, is if the home goes up in value, it doesn’t affect the reverse mortgage, meaning that all equity gained is yours! Lastly, you can get out of a reverse mortgage at any time by paying off the loan and any interest accrued.

Have a discussion with your mortgage professional to find out if a reverse mortgage is the right solution for you.

Today's Exclusive Invis Mortgage Rates

As of

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Showing the best rates in:

  1. 2.54%
    1 year fixed
    >
    Posted
    2.79%
  2. 2.49%
    3 year fixed
    >
    Posted
    3.49%
  3. 2.59%
    5 year fixed
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    Posted
    4.59%
  4. 2.94%
    7 year fixed
    >
    Posted
    5.35%
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Sue Black-Garland – BR

Sue Black-Garland - BR

Mortgage Broker

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