Jayden Harrington - Sub Mortgage Broker

I often have past clients reaching out to ask if I can do mortgages in other provinces, and they're always pleased to hear me say YES!

Whether you're living and buying property in Ontario, leaving BC for Alberta, or buying a rental in New Brunswick while settling down in Saskatchewan, I can help make sure your financing needs are taken care of.

Let me help make your life easier, no matter where your life may be!

📞 250-300-4872
📩 [email protected]
🌐 Harringtonmtgco.ca

If you're buying a house, these 3 things will go a long way towards making the process easier!

Buyers remorse is a real thing when it comes to home purchases, and how sad would it be to have regrets around the biggest purchase of your life?

Follow these steps, work with the right professionals, and make your home purchase, safe in the knowledge that you did your due diligence!

I would love to help you with step 1 at any time, so please reach out!

📞 250-300-4872
📩 [email protected]
🌐 Harringtonmtgco.ca

If it's been a while since your last mortgage review, let me help take care of that for you!

You wouldn't let 5 years go by without checking in on your investment portfolio, and you shouldn't wait 5 years to review your debt load either!

It's spring cleaning time so why not schedule a mortgage review with me, and we can work together to clean up your finances and figure out exactly where your money is going each month.

You'd be surprised how much money is being thrown away on interest-only payments that could be going towards your investments or actually reducing your debt load via lower interest lending solutions.

Don't wait, contact me today to set up a review!

📞 250-300-4872
📩 [email protected]
🌐 Harringtonmtgco.ca

CALLING ALL NEW AND SOON TO BE DOCTORS!!

Did you know that some lenders have programs specifically for Doctors who are in the beginning of their careers?

These programs give you a HUGE advantage over standard borrowing guidelines.

For example, depending on the field of practice and/or specialization, these programs will allow your broker to use a projected income when qualifying you for a mortgage.

This is virtually the only time lenders will value future earning potential over historical earnings, and it absolutely can be the difference between qualifying for a small condo or a whole house .

If you'd like to learn more about how these programs work, please DM, text, call, email, or comment DOCTOR on this post.

📞 250-300-4872
📩 [email protected]
🌐 Harringtonmtgco.ca

What would you say if I told you this bathroom could be yours?!

If you own a house and have enough equity in it, you could apply for a home equity line of credit (HELOC) and put those funds to use for a nice renovation like this one!

There's no limit to what you can do with funds from a HELOC, but a tasteful home renovation like this bathroom would not only help you enjoy your home more, but would also increase the value of the whole house!

If you want to find out how much equity you'd qualify to access, give me a call or email and we can figure it out!

📞 250-300-4872
📩 [email protected]
🌐 Harringtonmtgco.ca

Spring is here, and with it comes the spring real estate market!

It's the start of the busiest time of year for all real estate focused professions, and you don't want to get left behind while everyone else is scooping up the deals.

Find yourself a mortgage broker, realtor and lawyer, then reach out to your accountant. They will be your expert team throughout the home buying process, there to take the weight off your shoulders.

A good mortgage broker will take the time to explain the mortgage process from start to finish so there's no surprises as deadlines approach, and will get you the proper product with the available best rate.

If you don't know one of those professionals, call me and I can point you in the right direction 😉

📞 250-300-4872
📩 [email protected]
🌐 Harringtonmtgco.ca

House flipping: it's not as easy as you think! 😅

In short, lenders are picky, rules have changed, you need a good team behind you. 🤝

Swipe to learn the ins and outs of financing and home flipping! 🙃

📞 250-300-4872
📩 [email protected]
🌐 www.harringtonmtgco.ca

   

In the world of mortgages there are two major distinctions between mortgage types. There are conventional mortgages, and insured mortgages.

Quick notes on the differences:
Insured
• Less than 20% down payment
• Less than $1,000,000 price
• Very strict qualifying rules
• 25 year amortization max (repayment schedule)
• Lowest rates
• Mortgage product only

Conventional
• 20% or more downpayment
• Any price
• Much more flexible qualifying rules
• 30+ year amortization available
• Higher rates (possible to get insured rates in some cases)
• Alternative lending options (B lenders, private mortgages)
• Wider product availability (Home Equity Line of Credit, Home Equity MasterCard)

The differences are much more complex than a single post can cover, so please reach out to discuss this and other mortgage topics today!

📞 250-300-4872
📩 [email protected]
🌐 Harringtonmtgco.ca

Do you actually know your mortgage broker?

If not, let's change that!

Jayden Harrington is:
- A father of 3
- Kelowna born and raised
- A lucky husband
- A die-hard hockey fan (Go Blues!!)
- The best cook ever (if you ask my kids)
- A wealth of random facts/info for every occassion

Now that you know a bit about me, let's connect so I can learn about you!

Coffee is on me 😁

📞 250-300-4872
📩 [email protected]
🌐 Harringtonmtgco.ca

Are you taking advantage of all your tax saving opportunities? If you have been saving but don't know where to put your money you should absolutely consider contributing to your RRSP before the contribution deadline on February 29th.

Aside from being tax advantaged this account is a fantastic way to put your investments to use when buying your first house.

To find out how to put your RRSP to good use, feel free to call or shoot me a message and I'd be happy to go into detail with you and possibly even connect you with a tax and investment specialist if needed!

📞 250-300-4872
📩 [email protected]
🌐 Harringtonmtgco.ca

Are you expecting your family to grow in 2024 or 2025?

If you’re in a condo or small home and want to upgrade to something that will fit your newest family member, now is a great time to start looking for the perfect home!

With rates predicted to drop over the next 6 months, and prices set to rise as a result of that, you may be perfectly positioned to get a good(ish) rate and a better price before we hit the crazy times in 2025!

Call/text/email me to get started on your pre approval today.

📞 250-300-4872
📩 [email protected]
🌐 Harringtonmtgco.ca