- FIRST TIME HOME BUYERS
Looking for your first home?
Buying a home is an exciting time! You're about to take a big step so you'll definitely need some advice from a mortgage professional. We'll give you the facts your bank won't tell you about financing your next purchase. With access to multiple lenders, we'll help you find the best rates and best mortgage options to help you buy your dream home. Our best advice? Begin a conversation with a mortgage professional in your area.
Need a pre-approval before you go househunting?
Find out how much you can afford before you go househunting! This will keep you focused on shopping for homes within your price range. If you qualify for a preapproved mortgage, you'll be certain of the size of mortgage for which you qualify and guaranteed a rate for a specific period of time. If you don't qualify for a pre-approved mortgage, we will be able to help you estimate a mortgage-qualifying amount.
- MORTGAGES FOR THE SELF EMPLOYED
Small and medium-sized businesses are the engine of the Canadian economy.
When it comes to mortgages, it hasn't always paid to be self-employed - because reducing your taxable income can make it difficult to qualify for the mortgage you deserve. We understand business owners because we're business owners as well!
What's better, we have a long list of institutional and private lenders that offer excellent mortgage options for self-employed Canadians. These lenders in Canada understand that self-employed individuals have tax write-offs creating significant reductions in their declared income. With these mortgage lenders, you will not be required to prove your income and a reasonable estimate of your annual income will be acceptable.
We're here to help you beat the banks ... give us a call today.
- MORTGAGES RENEWALS
Congratulations on your maturing mortgage...now let us help you get a better rate!
If your mortgage renewal is fast approaching then you’ll soon be at an important financial milestone. Now's a great time to look at the many innovative options and competitive rates available. Lenders send out renewal forms just prior to renewal dates to those with good payment histories, with about 70% of homeowners sending it back without asking any questions! In today’s hectic world, that can be the easiest and best route, but you should ask yourself some questions before you sign on the dotted line. This IS an important moment of opportunity.
Having multiple lenders compete for your business is a great way to ensure you get the best rate for your situation. We deal with multiple lending institutions, including major banks, credit unions, trusts and other national and regional lenders, which means we can put significant negotiating power behind finding the best mortgage to fit your specific situation.
- DEBT CONSOLIDATION
Use your home equity to reduce credit card debt.
Many Canadians are taking advantage of refinancing some of the equity in their mortgage to reduce their credit card debt. Why pay high interest rates on your bank's credit card debt when you can add that debt to your mortgage and pay a much lower interest rate! One important part of a strategy is knowing "good debt" from "bad debt". A well-planned mortgage can help you turn those bad debts into good debts and get them out of the way.
- Consolidate high interest rate credit cards to one lower rate.
- Save money and increase cash flow.
- Reduce stress knowing that your financial situation is now manageable.
If you'd like to have a conversation about refinancing your debt, give us a call today to review your options. It's time to beat the banks!
- MORTGAGE FOR HOME EQUITY RENOVATIONS
Sometimes the house of your dreams is the one you're already living in!
Maybe it just needs some new landscaping, an extra wing for your growing family, an expanded kitchen, or a swimming pool in the backyard! A record number of Canadians have taken advantage of the historic low mortgage rates and rising real estate values and have tapped into their home equity through equity take-outs. There's never been a better time to access the extra funds that can help bring your home to that next level of comfort. Consider accessing the cash you need for the renovations and improvements you've been dreaming about!
- MORTGAGE FOR INVESTMENT PROPERTIES
Investment properties are now accessible to many average Canadians.
Investment properties - particularly smaller, residential real estate - are now accessible to many average Canadians. And as any homeowner will confirm, real estate has been one of the most attractive investment categories in Canada for the past decade. If you're considering an investment in real estate, start by having a conversation with an experienced Mortgage Broker, to explore some of the innovative new options and great rates available today.
- MORTGAGE PORTABILITY
Benefits of Mortgage Portability?
Are you considering a move? What are the benefits of mortgage portability? It's wise to begin by talking with a mortgage broker. You're about to take a big step and you'll want some advice from an expert.
My best advice is to begin with a no-cost conversation and explore your options!
With access to multiple lenders, we'll help you find the best rates and best mortgage options to help you buy your dream real estate property.
- NEW TO CANADA
Welcome to Canada!
Just because you are a new immigrant does not mean that you have to wait to purchase a home. If you have been in Canada for less than three years, have landed immigrant status, and have been employed in Canada for a minimum of three months, you can qualify for a mortgage.
We'll help you find the best rates and best mortgage options to help you buy your home. Call us today, we're here to help!
- MORTGAGE FOR CREDIT REPAIR
A bad credit rating can be gut-wrenching and humiliating ... we have options!
"Life is what happens when you're busy making other plans." ...and sometimes things get out of control. We see all kinds of credit ratings every day and we have the strategies to help improve and even heal, damaged credit. You may be surprised to know that you can still obtain a mortgage. Whether you've had a bankruptcy or your credit is only slightly bruised, you can still obtain financing. No worries, we'll handle all the details.
As mortgage professionals, we have access to non-traditional lenders who offer financing solutions to individuals who have some credit challenges that cannot be addressed by the major financial institutions. Together we can quickly assess your situation and decide on the best way to move forward. The worst you can do is do nothing.
- MORTGAGE FOR VACATION HOME
Spend quality time in your vacation property.
More Canadians than ever before are now spending quality time in their own vacation property. Cottages are now providing family memories for many average Canadians, who are taking advantage of the great low rates, and the innovative new mortgage products that put these getaway homes within reach!
We're here to help you beat the banks ... we look forward to your call.