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I’ll help you find the mortgage that’s right for you Whether you need flexibility or cash flow, predictability or a speedy pay-down, there’s an RBC Royal Bank mortgage that will suit your needs. I can recommend the one that’s best for you. RBC Royal Bank offers many mortgage options for you to choose from. Here’s just a sampling of what’s available to you.

> Fixed Rate Mortgage I f you don’t want to worry about interest rate fluctuations, a fixed rate mortgage gives you the security of locking in your rate for the selected term, along with a fixed mortgage payment. With this mortgage, you’ll know exactly how much principal you’ll be paying off each year — and what your balance will be by the end.

Call on me — any time. Whether it’s at work, your home or anywhere in between, I can meet with you at a location and time that’s most convenient for you. > Contact me today.

> Variable Rate Mortgage  A  variable rate mortgage may be a good choice if you’re looking to save money by obtaining the lowest rate possible and are comfortable with potential fluctuations in interest rates. With this mortgage, your payment generally stays the same during the term of the mortgage. If our prime rate goes down, more of your payment goes towards paying off the principal; if it goes up, more of your payment goes towards interest costs.

Deborah Dickson Mobile Mortgage Specialist Tel.: 604-341-7778 Email: deborah.dickson@rbc.com

> RBC Homeline Plan®  hether you’re a new buyer with a 20% down W payment, or an existing homeowner with at least 20% equity, the RBC Homeline Plan allows you to manage all your personal credit in one account — from your mortgage to outstanding balances on loans and lines of credit. Plus, you can split the mortgage between variable and fixed rates, to take advantage of both.

All personal lending products and residential mortgages are offered by Royal Bank of Canada and are subject to its standard lending criteria.

Make the switch to RBC Royal Bank and save. It’s a smart choice!

Great rates, plus the advice you need to choose a mortgage that fits your lifestyle. When you switch to RBC Royal Bank, I’ll show you how to cut years off your mortgage and save thousands of dollars.

®

Registered trademark of Royal Bank of Canada. Used under licence

When it comes to home buying, I can open doors for you.


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There are many choices when shopping for a mortgage

How much can you afford? When buying a first home or upsizing to a larger property, it’s important to be confident you can afford your new purchase, without a drastic lifestyle change.

The key to choosing is to understand your options. The more you know, the more you can save — now, and in the future.

The first step is to take a look at how much you currently spend on fixed costs (like rent, utilities, food and transportation) and lifestyle expenses (like dinner, movies or travel). Be honest about what you could realistically cut back on — and how much you can afford to take on in additional home-related expenses.

First-time home buyer? I’m here to help guide you through one of the biggest financial decisions you’ll ever make. I can provide you with step-by-step, personalized assistance and help make your new home a reality. And even before you buy, I’ll help you obtain pre-approval so you’ll know just how much you can afford and have the reassurance of an interest rate that’s locked in at today’s low rates.

Already own? Allow me to introduce you to our assumable and portable mortgage options, which can help make selling your home and buying the next one even easier. Plus, I can show you how our flexible mortgage features allow you to pay down your mortgage sooner.

Time to renew or refinance? I can work with you to review your current financial situation and help you decide the best mortgage option for your changing needs.

Some of the questions to ask yourself include: >W  ill the utility bills in your new home be higher

FPO

than you’re paying now?

>A  re there small ways to cut back to help you achieve your home ownership goals?

>A  re you expecting any significant life events that

Expert advice. Personal service. By choosing to work with me, you can be confident that you are in expert hands. I’m supported by the resources of RBC Royal Bank , a name you can trust — and Canada’s #1 mortgage lender. ®

I have 9 years of experience in the residential mortgage business.

Helpful tools from RBC Royal Bank® Here are just a few of the many helpful online calculators and tools that can assist you when buying a home: > Rent or Buy? > How Much Can You Afford? > Mortgage Payment Calculator > H  ow Long Will It Take to Pay Off My Mortgage? You’ll find all of these — and more — at www.rbcroyalbank.com

My specialty is helping clients switch their mortgage, finance an investment or second property and finance the home of their dreams. In addition, my professional network of partners — including realtors, lawyers and personalized account management services — can assist you in achieving your financial goals. We will ensure you receive personalized services you can trust. And remember, I’m your mobile mortgage specialist, and that means I’m available outside of regular business hours, at a location that suits you, to provide help when and where you wish. This added convenience helps you act swiftly and gives you more time to spend on the other aspects of buying a home — like finding the one that’s just right for you!

would alter your financial circumstances, such as having a child or making a career change? How might these changes affect your cash flow?

>H  ow much household debt are you currently carrying?

>H  ow much do you have for a down payment? (Possible sources include personal savings, a gift from a relative and a withdrawal from your RRSP under the federal government’s Home Buyers’ Plan.)

>O  r, if you already own, how much equity do you have in your current home? Then, when you find a home you’re interested in, remember to factor any necessary repairs or upgrades into your costs. Once you have these important questions answered, I can work with you to review your current financial situation and help determine how much you can comfortably carry in monthly mortgage payments — allowing you to shop for your new home with confidence.

Mortgage Specialist Role  

What can a Mortgage Specialist do for me?

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