All your mortgage
For Your Unique
First Time Home Buyer
Are you thinking about purchasing your first home and don’t know where to start?
We can help guide you through the entire home buying process and provide sound advice and assistance through every step.
And we are connected to great network of professionals
That every home buyer will require along the way such as appraisers, notaries, home inspectors, and real estate agents.
Refinancing or Renewal
Take advantage of your home equity!
With many Canadians enjoying the benefits of home ownership and the increase in their home value, now might be a good time to review your financial situation and see if you can put your home equity to use to payout any higher interest loans or lingering lines of credit.
Reasons to refinance you home?
Is your mortgage coming up for renewal?
Don't be too hasty in just signing the form and sending it back to the lender. Over 70% with a mortgage up for renewal do just that, and what is the usual result? A higher rate and a mortgage product that might not be best suited to their current interests going forward.
Let us do all the work for you. We will find you the best possible rate and product to suit your needs. You may want to renew/switch your mortgage to another lender who will most often give you a better rate. Most lenders now offer "no cost or low cost switches" and it is a smart way to reduce your interest costs.
Are you breaking a closed mortgage to transfer to a new lender?
In some cases, it may still save you money in the long-run to pay the penalty and get into a lower rate, or lower payment situation.
Let us work the numbers for you! Fill out our Easy App today!
CHIP or Reverse Mortgage
Use the Built-up Equity in Your Home to fund your retirement years
Chances are that the equity in your home has grown over the years and it now makes sense to use this built-up equity to live comfortably in your home and to subsidize your pension or to fund your retirement. If you are 55 years or older, you can use your home’s built-up equity and you don’t have to repay the debt until you sell or transfer your property.
By using a Reverse Mortgage, you change some of the equity in your home into cash- TAX FREE! Unlike many mortgage-based financial products, you’re not obligated to make any payments until you choose to move or sell.
Whether you wish to receive your money over time or in one lump sum – the choice is yours. If you choose the monthly income option, the amount you receive from your home’s equity is non-taxable and does not affect your existing pension amounts.
A reverse mortgage is a Canadian financial solution that benefits Canadian homeowners and our team has access to three different lenders providing this specialty product so we can answer any of your questions about how to qualify for a Reverse Mortgage and how it all works.