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First in a series

Many home buyers might think mortgages are simply about getting the best interest rates and terms.

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But there is a lot more financial planning that should come into play that buyers often overlook. A mortgage advisor can play a critical role in helping purchasers find an all-round solution that works best for their needs, goals and financial situation.

A mortgage advisor’s role is to help potential home buyers understand what they can afford and guide them in optimizing their financial resources, says Scott Wambolt, senior vice president, CIBC Mobile Sales Force in Toronto. “The biggest advantage is that they will work with you to understand the broader financial perspective and offer solutions to help you achieve your objectives.”

In fact, working with a mortgage advisor has become easier than ever. CIBC has an extensive mobile advisor network, which allows customers to get expert advice and services any time of day or evening at any location. “It all comes down to convenience,” Wambolt says. “People are so time pressed, they simply don’t have the time to make decisions based on other people’s calendars. They want advice wherever, whenever they like — whether that’s at home or a corner coffee shop.”