Mortgage broker vs bank, insured vs uninsured mortgages, interest rates. Where to start?

Mortgage broker Anna Jodouin and a REALTOR™ Nadja Freund talk about the difference between a Mortgage Broker vs a Mortgage by a bank, and Mortgage lenders. Insured and uninsured mortgages and interest rate in Canada. Mortgage lenders and banks, how do they work together? All this and more in our video! The video was filmed in May, so the rate Anna is calling there is from May. Please note that each person can get a different rate depending on their situation. Find and consult a local a Mortgage Broker for that. Foreign buyers and buyers with a work permit, can they get a mortgage and buy a house in BC?

Anna is a Mortgage Broker, Nadja is a REALTOR™ , you can hire us together or separately. But we both are local moms and have lots of advise around Sooke and Sooke Real Estate market, as well as lower Vancouver Island real estate.

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Are you planning to relocate to Victoria BC area and not sure where exactly? Moving to Vancouver Island can be tricky if you don't know the areas around.
Let me help you to find the best place. I will tell you about pros and cons of living in Sooke, Langford, Colwood, Highlands and other areas around Victoria. In my videos I will talk about schools, restaurants, nature, work and Real Estate.

I am a local mom and live in Sooke BC for 13 years.

I love the Westshore area and can tell you a lot about Victoria Western Communities.

Planning to move to Vancouver Island? Lets talk about it
I am a REALTOR™ with Royal LePage - Coast Capital Realty
00:00 What's about
00:19 Introduction
00:52 Broker vs Bank difference
03:43 Monoline lender
04:29 A broker can sell a bank mortgage
05:10 Who is paying the Broker?
06:28 What is the current interest rate?
08:09 Insured vs Uninsured mortgage
12:55 When and how to start the borrowing process
16:16 Broker + Lawyer + REALTOR = TEAM
18:13 Foreign buyers and clients with a work permit