The Times They Have Changed

Posted on October 16, 2014October 16, 2014 by admin

A decade ago money seemed to be falling from trees. If you had a pulse and could fog a mirror you could qualify for a mortgage in North America. The US housing market was booming and Canada was following in its footsteps. American lenders were in Canada growing their subprime mortgage business and the big banks were extending amortization periods and actively growing their portfolios with folks who could not prove their income. A decade later, the US housing market has imploded on itself ...

Testimonial: Heather Otton

Posted on September 26, 2014May 12, 2016 by admin

I was shocked to discover that after 2 years of complicated divorce litigation, and finally settling everything, that my bank would not allow me take over my existing mortgage. This is after having a mortgage with this same bank for 15 years and having paid it on my own for many years (with their knowledge), having exceptional credit, and always being employed.I contacted Andy MacDonald for advice and to see what my options were. Andy's knowledge and professional approach are impeccable. While m...

Testimonial: Debbie McCue

Posted on August 26, 2014May 12, 2016 by admin

I found Andy to be extremely patient and responsive to my multitude of questions about the fee schedules and returns of Mutual Funds, RRSP’s, RESP’s, and Tax Free Savings Accounts. My experience over the years has been that big banks and many financial advisers evade fee questions and are either unwilling or unable to answer my questions in layman’s terms. Andy helped me to understand my options and decide what would be best for me for my investments, and I would highly recommend him to anyone l...

Testimonial: Lisa Blunt

Posted on June 26, 2014May 12, 2016 by admin

Andy helped my husband and I with our first mortgage. With low taxable income, and Chip’s new credit in Canada, we were not the easiest situation to market to a bank! We completely trusted Andy, and he found us a mortgage that worked perfectly for us. We are already working with Andy again on a mortgage for our upcoming home purchase. He’s the best!Lisa BluntOakville, Ontario

Testimonial: Jerome Reid

Posted on May 26, 2014May 12, 2016 by admin

Among my friends and co-workers I have become know as the “go to guy” for real estate related information (i.e. agents, appraisers, lawyers, mortgage brokers, property managers, etc.). The geek in me enjoys researching and following-up on real estate info and professionals. Only select friends and acquaintances get my researched referral information. I do it not for money but because I remember how frustrating it was meeting a lot of “sharks” out there when I was preparing to build my “power tea...

Testimonial: Robert Mills

Posted on March 26, 2013May 12, 2016 by admin

You made our first home purchase, which can be overwhelming, completely worry free with your superior customer service. But what really impressed me was your honest advice with my questions a couple of years later. This on going commitment to service is something that sets you apart and keeps customers coming back for life. I know I will continue to contact you and recommend you to my family, friends, and colleagues in the future. Keep up the great work!Robert MillsMississauga, Ontario

Testimonial: Jeff Green

Posted on October 26, 2012May 12, 2016 by admin

It was a pleasure working through my first mortgage process with Andy. He had answers to all my questions, and was always good at getting back to me promptly. Outstanding customer service…plus he got me the best rate I could find!Jeff GreenToronto, Ontario

Testimonial: Dr. Philip Little

Posted on September 26, 2012May 12, 2016 by admin

Andy realized after a few minutes of our first conversation that he was probably not going to be able to improve on the terms of my existing mortgage. He still took the time to answer all my mortgage questions – questions I have never been able to get precise answers to. Although we are unable to do business at this time, I will refer my friends and relatives to Andy. I was left with the feeling that I could contact Andy at any time for no obligation professional advice. Dr. Philip Little Wate...