For Buyers

180 Rate Guarantee

Protect Yourself From Mortgage Rate Increases For A Full 6 Months !

Avoid Paying More Interest In A Rising Market... Lock In Today's Low 5-Year Mortgage Rate Regardless Of What Happens In The Next 180 Days!
If you just end up waiting to fix or lock in a mortgage rate until just before you buy, you may end up spending thousands more in interest over the life of your mortgage.

Most people are not used to thinking six months ahead but, if you are considering purchasing a home in the next 180 days, it might be the prudent thing to guarantee yourself the lowest possible rate.

Historically lenders have only been willing to lock in, or guarantee, the 5-year mortgage rate for between 60 to 120 days. The problem with that is, for buyers purchasing a little farther out, a mortgage rate could not be set. The risk was that rates would rise, causing either the home of their dreams to become more expensive on a monthly basis OR even become out of reach because of mortgage qualification guidelines.

Now, for the first time, the Thomas & Sally Cook Team has negotiated an exclusive agreement with one of the 'big five' banks to allow only our clients to lock in the rate for a full six months. With five rate hikes in the past 60 days, the prudent thing for any buyer to do would be to protect themselves and get a 180 Day Rate Lock Guarantee.

In addition, if you do purchase say, 7 months from the date you get your rate lock set up, George, our lender representative, will go back 180 days and give you the best rate that was available in that period.

This is a big deal! In a rising rate market, almost every lender will NOT backdate if you purchase outside of their initial 60, 90 or 120 day rate lock period. They will only give you the then current rate.

Best of all... there's no cost and no obligation to purchase a home in that time. It is just a terrific protection in case you do!

Here's How It Works

To get started, all you have to do is let us know you'd like a free 180 Day Rate Lock Guarantee by filling in the form below.

Our bank lender, George, will call you back to talk about your needs and preferences in a mortgage and then he'll lock in the rate for you.

This 180 Day Rate Lock Guarantee could save you thousands of dollars in interest over the five-year term of your mortgage! Don't settle for what the typical bank offers when you can have access to the best mortgage rate lock available in Toronto for FREE!