Joe Tomkins, Mortgage Expert
Hi, I’m Joe, thanks for visiting my website. I have been actively involved in the mortgage industry since August 2003 and have a great deal of experience preparing mortgages, dealing with lenders and negotiating all aspects of mortgage underwriting. What can I say, I love what I do!
I value relationships and believe that my job is to firstly take care of my clients, making sure they understand the mortgage process, and then arrange a mortgage with a lending institution who is offering the product that best suits their needs. I believe in standing up for what matters in life and have no problems fighting to make sure my clients get the best mortgage possible.
Although I am proud of my many accomplishments in business, my real passion lies in spending time with my family. I have four healthy and beautiful boys who fill my spare time with constant fun and games. Neither my life nor my business would be as successful without my most important partner, my wife Nicole.
And if you haven’t figured it out… I am a fan of the TV show Better Call Saul, and thought it would make a great theme for a website. #BetterCallJoe
Better Read My Blog
Although it might not always be this straightforward, the question "Can I give someone the downpayment to buy my house?" presents itself in many different ways. And the answer to all of them is no, well... except in one circumstance, but we will get to that later....read more
If you bought a house, or had a mortgage renew roughly five years ago, there's a chance the struggling economy and the relatively low interest rate environment (at the time) influenced you to "play it safe" and lock in a mortgage term for the next ten years. Because,...read more
The Bank of Canada today maintained its target for the overnight rate at 1 ½ per cent. The Bank Rate is correspondingly 1 ¾ per cent and the deposit rate is 1 ¼ per cent. CPI inflation moved up to 3 per cent in July. This was higher than expected, in large part...read more
If you have no desire at all to qualify for a mortgage, here are some great ways to make sure you don't accidentally end up buying a house and taking out a mortgage to do so. One of the best ways to ensure you won't qualify for a mortgage is to be unemployed. Yep,...read more
First Time Home Buyers (My Specialty)
If you are looking to purchase your first home, then you have come to the right place! I absolutely love answering questions and helping first time home buyers understand what mortgage financing is all about.
The majority of my clients are either buying their first home, or buying their second home, having already worked with me on their first purchase!
Mortgages can be pretty complicated, especially if you haven’t done any research. My commitment to you is simple, I will walk through the entire process with you and make sure you feel comfortable with any decisions you have to make. I realize you won’t know everything, but my job is to make sure you know enough to make the right decision for you and your family.
If you are looking to purchase a property, understanding all the mortgage options available to you can seem overwhelming. The market is hot and having a clear plan is a must. That’s where I come in, I do this everyday, and I love it. I will help you make sense of all the numbers and provide you with options. You want to be able to shop with confidence so when you put in an offer, you have done as much as you can before hand to increase the chances of everything working out!
Also, I have an established network of trusted professionals I work with on a regular basis and would be more than willing to make an introduction should you require their services.
The best time to start looking at renewing your existing mortgage is 120 days before your maturity date. If your existing lender has sent you a renewal offer in the mail, the first thing you should do is send it to me so I can give you a second opinion. Never just sign the offer, there is always room to negotiate. I am here to help you, so that you don’t have to do those negotiations alone!
Are you looking to refinance your property to access some of the equity built up in your property? Maybe you want to consolidate some debts, start a new business, buy a vacation or investment property… regardless of the reason, I will discuss all your mortgage refinancing options with you and help you to secure the best mortgage available.
Go ahead and click the button above to start crunching some numbers of your own, contact me when you are ready to take the next step.
Mortgage Introduction Videos
Satisfied Clients Are Important To Me!
Buying my first home was a daunting task and I didn’t know where to start. I spent a lot of time researching but found it overwhelming. Joe took me through the process step by step, explaining everything until I was confident to make my decision. He worked very hard and was committed to doing everything he could to get me the home I had my heart set on. I am so happy with the experience I had with Joe and would highly recommend him!Sandra C
If you’ve ever wondered about using a Mortgage Broker stop whatever you’re doing and Call Joe! I can tell you first hand that it was one of the best things I’ve ever done! Not only was Joe extremely knowledgeable but he was professional and diligent in every detail. He provided top notch service and was easy to reach whenever I had questions. Joe’s expertise and commitment helped me get a better rate than I expected which allowed me to move ahead with purchasing my first home. Thank you Joe, I will definitely be calling on you again!Doreen S
We’ve been home owners for 33 years and refinancing our mortgage with Joe has been the best experience over all the other financial institutions we’ve dealt with! He is very knowledgeable and provided us with options we hadn’t even thought of. Our best interests were definitely his priority and we couldn’t be happier with his service! That’s why we’ve used him to help us with all of our home purchases and renovations!Greg & Josette