All your mortgage

Needs Customized
For Your Unique
Situation

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.

Purchasing a Home

Investigate Your Mortgage Options through a professional mortgage broker and Get Pre-Approved

There are many different types of mortgages available in the marketplace today. A great way to investigate all of your options is through a professional mortgage broker.
There are two main categories:

  • High-ratio Mortgages – with as little as 5% down payment with mortgage default insurance that allows for a smaller down payment
  • Conventional Mortgages – with a minimum 20% down payment (and no default insurance required).

Shopping for your new home is easier with the piece of mind provided by a mortgage pre-approval. A mortgage pre-approval is like applying for the mortgage itself, but it ties the lender to the rate they have provided for up to 120 days.

Find out how much you can qualify for, by using our Mortgage Calculator.

Karin Karin

The Approval Process:

1.   Application Taken – Your personal information will be collected including your full name, address, employment information and financial information (list of assets and liabilities).  Click HERE to apply online

2.   Credit Review – We will review your credit report and will advise you of any negative issues on the report so we can get them rectified before you find a property.

3.   Documents Collected – All lenders require written confirmation of your income and down payment amongst other items. By collecting these items up-front during the pre-approval process it will save you time and energy so you can focus on the negotiating process of the offer and less on the mortgage paperwork.

4.   Pre-approval Complete – Once the application, documents and credit are received and reviewed, we will determine what you can qualify for and submit your application to the most suitable lender for your situation. Once we receive the pre-approval rate hold back, we will email you with a full package outlining all of the details and requirements.

5.   Insurer Approval and/or Property Appraisal – Once you find a suitable property PLEASE let us know right away! We need to fine-tune the numbers and obtain approval from the high-ratio insurance company (if less than 20% down payment) or obtain a property appraisal for that specific property.

6.   Meeting Final Conditions – Once your mortgage has been fully approved (including the high-ratio approval or appraisal), we ensure that all of the lender’s conditions of financing are obtained before you remove your financing subject. This will include their approval of your income, down payment, property, etc.

7.   Finalize the Deal – Once you have the final approval and have removed the financing subjects, the lender will instruct your Lawyer/Notary to prepare the mortgage documents and will set up a time for you come in and sign the necessary documents.

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?

  • Consolidating your other high-interest debt into one, lower payment to free up cash-flow
  • Renovating or making home improvements
  • Combining existing mortgages into one simple mortgage at a lower rate
  • Restructuring the mortgage to plan for the future (i.e., obtain a Home Equity Line of Credit)
  • Making a large purchase – vacation home, boat, etc.
  • Helping your children with their University expenses or to buy a home of their own

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.

Karin Karin

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!

Special Situations

Mortgage Options for Unique Situations

These days it seems harder than ever to get a mortgage if you don’t quite “fit the box”. That’s were our services excel.

Do you fall under any of these categories?

  • Self-employed
  • Recently divorced
  • New to Canada or Non-Resident
Karin Karin
  • Multiple Rental Properties
  • Vacation/Second Home
  • Needing a Second mortgage

Chances are you are not finding it easy to obtain a mortgage. Let us put our knowledge and contacts to work for you so you can obtain a mortgage even if you don’t fit the typical lending profile for a bank. We specialize in working with clients whose financial situations aren’t always straight forward and lenders that accept challenging applicants.

In special situations our team can arrange home mortgages from $50,000 to $10 Million through our network of lenders who offer mortgages designed with you in mind.

Simply email or call us to discuss your special requirements 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.

Karin Karin
Karin Karin

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.