New Calculators | FAQ’s | Site Map

Our advisors are independent professionals who have built their clientele on a strong foundation of one-on-one relationships. Worldsource Financial Management advisors work with each individual client to understand personal financial goals, develop sound financial strategies and create a plan to obtain results. Plans are created to meet investor needs whether those needs call for capital appreciation, income or both. Many advisors are insurance professionals and are certified financial planners or hold a similar designation.

Mutual Fund Dealership

Today, over 800 independent mutual fund advisors channel mutual fund transactions through our dealership, Worldsource Financial Management Inc.

A mutual fund dealer is a company that provides the trading compliance and administration of mutual fund transactions. Regulations require that all mutual fund purchases be provided through a mutual fund dealer. We have a compliance team on staff to deal with all regulators and the major fund companies to ensure that transactions and services provided are compliant with the regulations of these governing bodies.

However, as we continue to set the highest ethical standards for ourselves, operating with confidentiality and integrity, we offer more than just compliance. Worldsource Financial Management provides proactive training, operations and sales support, technically advanced business management and planning tools to benefit both advisors and investors. As well, mutual fund advisors have access to a full suite of securities through Worldsource Securities.

Mortgages Products & Services

Lavinra Joseph Mortgage Broker
Email Direct: 604.468.0815 Phone: 604.468.0888 Fax: 604.468.0887

At Commonwealth Mortgage Corp we offer a full range of Mortgage Services. Here is a list of just some of the services we offer:

Pre-Approvals:

It is a good idea to be pre-approved for mortgage financing before entering into a contact. To be pre-approved you must supply your mortgage broker with an application stating assets & liabilities, income and other personal information. You will also be required to provide income confirmation, usually a job letter and pay stub or T4. Once pre-approved you will have a clear picture of what you can afford allowing you to enter into a purchase contract with confidence.

Refinancing/ Consolidation Loans:

Even with today’s rising interest rates, historically, they are still very low. With this in mind, combined with rising property values, many Canadians are choosing to refinance their existing mortgages. Refinancing replaces your existing mortgage loan with a new mortgage, often at a new lower rate. There are many reasons you may wish to refinance: to consolidate mortgage debt, finance home improvements to your home, use the equity in your home to pay off credit card and loan debt, or any other reason. Whatever your reason, tapping into your home equity and refinancing your current mortgage my be the best way to reach your goals.

Residential Mortgages:

Taking out a mortgage is one of the most important financial decisions and for most people, the largest purchase you will ever make. Whether buying for the first time or you’ve been through the process before, you are bound to have many questions about what your options are.

Construction Mortgages:

Building your dream home can be a stressful process, especially when acting as your own general contractor. We can help by arranging competitive builder’s mortgage products with multiple constructin draws over the construction phase of your project.

Mortgage Switches/Renewals:

For most Canadians, when they receive that renewal notice in the mail, the easy thing to do is just sign it and send it back. But think twice before doing so. Lenders count on up to 70% of renewers just signing the form and sending it in. Before accepting your current lenders interest rate and terms have your situation reviewed. Chances are things have changed and another lender will give you what you want at a rate you want. Mortgage renewal time is a great opportunity to ensure you have the right mortgage for your present needs; let us have the banks compete for business and get you the best options for your current needs.

Investment Loans:

Many people find that the easiest and most affordable way to access money to invest is through the equity that they have accumulated in their home. Speak with your mortgage consultant on what options are available to you

Links & Resources:

Links:

Multiple Listing Service: www.mls.ca
Realty Link Online www.realtylink.org
Canada Mortgage and Housing www.cmhc.ca
Genworth Financial Canada www.gemortgage.ca

Resources

Home Buyers Plan: www.cra-arc.gc.ca
Property Transfer Tax: www.rev.gov.bc.ca

Financial Planners:

Perler Financial Group: www.perlerfinancial.com

Lawyers:

Becker & Company Law Offices: www.becker-company.com
Drysdale Bacon McStravick: www.dbmlaw.ca

Realtors:

Dan Tenbrink: www.dantenbrink.com