{"id":57995,"date":"2023-05-01T00:00:00","date_gmt":"2023-05-01T00:00:00","guid":{"rendered":""},"modified":"2024-01-12T09:54:43","modified_gmt":"2024-01-12T14:54:43","slug":"look-beyond-the-mortgage-rate-what-to-consider-when-choosing-a-mortgage-lender","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/buying-your-first-home\/look-beyond-the-mortgage-rate-what-to-consider-when-choosing-a-mortgage-lender\/","title":{"rendered":"Look Beyond the Mortgage Rate: What to Consider When Choosing a Mortgage Lender"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/home-ownership\/\">\n\t\t\t\t\t\t\t<span>Home Ownership<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Look Beyond the Mortgage Rate: What to Consider When Choosing a Mortgage Lender<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Diane Amato<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/PSITD-10.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Couple hugging after moving into their new home\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/PSITD-10.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/PSITD-10.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/PSITD-10.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Look Beyond the Mortgage Rate: What to Consider When Choosing a Mortgage Lender &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/buying-your-first-home\/look-beyond-the-mortgage-rate-what-to-consider-when-choosing-a-mortgage-lender\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/buying-your-first-home\/look-beyond-the-mortgage-rate-what-to-consider-when-choosing-a-mortgage-lender\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published May 1, 2023 \u2022 4 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>The posted interest rate isn&#8217;t the only thing to consider when comparing mortgage lenders. Mortgage features may affect your ability to save money, pay your mortgage faster and manage your payments to suit your needs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-here-are-a-few-things-to-look-for-before-signing-on-the-dotted-line\">Here are a few things to look for before signing on the dotted line.<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Mortgage pre-approval and interest rate guarantees<\/h3>\n\n\n\n<p>While a pre-approval may give you peace of mind, carefully read the fine print regarding rates, especially in a <a href=\"https:\/\/discover.rbcroyalbank.com\/will-rising-interest-rates-impact-my-variable-rate-mortgage\/\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-loans\/will-rising-interest-rates-impact-my-variable-rate-mortgage\/\" data-dig-id=\"LP-57995-521f41da\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"rising Canadian interest rate environment\" class=\"rbc-link-format\">rising Canadian interest rate environment<\/a>. Does your pre-approval also include a rate hold between 60 and 120 days? This may be in the form of an actual interest rate, or even a rate discount, as in \u201cone-half per cent off the posted 3-year fixed interest rate for the next 60 days.&#8221;<\/p>\n\n\n\n<p>When rates are going up, a guaranteed rate hold can be valuable and might save you big bucks in interest down the road.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Mortgage payment frequency<\/h3>\n\n\n\n<p>Payments don&#8217;t have to be made monthly. For instance, you can shave years off your mortgage by changing from monthly to bi-weekly payments made every other week.<\/p>\n\n\n\n<p>Ask the mortgage lender if accelerated weekly, accelerated bi-weekly, or semi-monthly (twice a month) payments are available before committing to a mortgage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Prepayment benefits<\/h3>\n\n\n\n<p>To reduce the amount of interest you&#8217;ll pay in the long run, mortgage prepayment privileges let you make extra payments towards the principal amount borrowed without paying a penalty. And flexible prepayment privileges may make it easier to pay your mortgage off faster. However, not all mortgage prepayment privileges are the same. Depending on your lender, you could be charged for paying more than your regular payments or be limited as to when, how much or how often you can prepay.<\/p>\n\n\n\n<p>Find out what options are available to you before you sign your mortgage documents, and choose a lender that offers the flexibility you need.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">The appraisal cost<\/h3>\n\n\n\n<p>Whether you&#8217;re applying for a new mortgage, a refinance, or you&#8217;re considering switching your current mortgage to a new lender, find out whether your lender covers the appraisal cost.<\/p>\n\n\n\n<p>An appraisal is an independent report of the value of your home. An accredited appraiser carries it out at your lender&#8217;s request. A full appraisal usually requires the appraiser to visit the property to assess the size, structure, features, etc. They&#8217;re generally more expensive than desktop appraisals which compare features of a home against the real estate listing features of recently sold, comparable properties to get a value. Depending on the region and property type, appraisals may cost upwards of $250.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Creditor insurance protection for your mortgage<\/h3>\n\n\n\n<p>Since your mortgage is one of the biggest financial commitments you&#8217;ll ever make, you may want to consider protecting it. Creditor insurance can pay off or pay down your mortgage, or continue making your mortgage payments, in the event of your death, disability or critical illness. Ask your lender what <a href=\"https:\/\/www.rbcroyalbank.com\/mortgages\/homeprotector-mortgage-insurance.html\" target=\"_blank\" rel=\"noopener\">creditor insurance protection options<\/a> are available to you.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">The quality of the advice you receive<\/h3>\n\n\n\n<p>Your mortgage isn&#8217;t your only financial obligation \u2014 it&#8217;s just one part of your financial picture and must be balanced with your other priorities and goals. When considering mortgage lenders, consider their reputation for quality advice and their ability to guide your complete financial future. After all, the right advice can help you manage your overall monthly cash flow and enable you to meet your other financial obligations with a little less stress.<\/p>\n\n\n\n<p>Also, remember that life can change quickly. Your situation may evolve with shifts in your family or your career. As you evaluate mortgage lenders, consider how easy it is to contact and work with them if you need support throughout your mortgage term.<\/p>\n\n\n\n<p class=\"pad-b-qtr\">When you&#8217;re comparing mortgages, remember to consider more than just the lowest rate \u2014 these other features might be able to benefit you financially.<\/p>\n\n\n\n<div class=\"wp-block-columns has-border-color has-rbc-bright-blue-tint-1-border-color has-light-grey-background-color has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\" style=\"border-width:4px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-get-one-step-closer-to-home-ownership\">GET ONE STEP CLOSER TO HOME OWNERSHIP:<\/h4>\n\n\n\n<p><a href=\"https:\/\/www.rbcroyalbank.com\/mortgages\/specialist-locator\/index.html?q=\" target=\"_blank\" rel=\"noreferrer noopener\">RBC Mortgage Specialists<\/a>\u00a0can offer specific advice and products tailored to your situation. Contact a\u00a0<a href=\"https:\/\/www.rbcroyalbank.com\/mortgages\/specialist-locator\/index.html?q=\" target=\"_blank\" rel=\"noreferrer noopener\">Mortgage Specialist<\/a>\u00a0today to start the conversation!<\/p>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-e46f7b8f-6d93-4ca6-8a52-10c2659431a7\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Look Beyond the Mortgage Rate: What to Consider When Choosing a Mortgage Lender &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/buying-your-first-home\/look-beyond-the-mortgage-rate-what-to-consider-when-choosing-a-mortgage-lender\/\">\n    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<\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-0b6bf483-6a51-4be1-9fb6-2166c71957a0\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/home-ownership\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Home Ownership<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third 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