You may wish to apply for a mortgage if you are:
A first time buyer
Looking to re-mortgage an existing home
Looking to purchase a rental property
Why use a broker?
Many banks have different criteria to determine the terms they will offer an applicant. As such, when you go to a bank directly, they are restricted in what they can offer. They may not have the best interest rate available and they may not be able to offer you as much as you require.
Through PIBA mortgages, I have access to several different mortgage lenders. This allows me to potentially get my clients a better interest rate and potentially more funds.
For tips on preparing for a mortgage application, take a look at 'Getting Mortgage-Ready' on my blog page.