Residential Mortgages

Home Purchase Mortgage

We know buying a home is a big deal, and there’s a lot to consider when you’re trying to figure out how to finance the biggest purchase of your life! Lucky for you, we’ve helped thousands of homebuyers into their new homes.

We’ll help you understand all your financing options and find a mortgage you can manage.

Refinance Mortgage

Whether you’re looking to lower your interest rate or want to take advantage of your home’s equity,
we’ll help you find the refinancing solution that’s right for you.

Refinancing to a lower rate means that you will enjoy a lower monthly payment. Just a small reduction on your mortgage rate can significantly lower your monthly mortgage payment.

Pre-Approval Mortgage

Know before you go. Get pre-approved, fast and simple. Get out the door quickly, with a solid idea of the mortgage-size you can afford. Plus, you can hold your best rate for up to 120 days.

We will guide you about the documentation you’ll need to supply upon conditional approval of your mortgage.

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Rental Mortgage

An investment property can be a great source of income. We will show you how to get approved to make investing in real estate a reality. Typically lenders require a borrower to have at least 20% down payment on a rental property purchase.
We will guide you in every step of the process to ensure a quick and hassle-free process.

1st Time Buyers

Buying your first home can be easy when you find the right loan. We are here to help you do it quickly so you can get the keys to your new home.
There are a number of different types of mortgage products that are suitable when you are shopping for your first home. We can assist you in assessing which type of home loan will fit your requirements.

Second Mortgage

A second mortgage is a lien taken out against a property that already has a home loan on it. A lien is a right to possess and seize property under specific circumstances.

Unlike other types of loans, you can use the money from your second mortgage for almost anything.

We will guide you through the process with a service that meets your highest standards.

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Cottage Mortgage

Looking to buy a cottage? You are at the right place. In recent years interest in cottage ownership has increased significantly due to the high demand.
Mortgages for cottages are different than mortgages for your primary resident mortgage. Cottages can be passed down through generations so looking for the right one is important. Let our mortgage help in your decision and navigation of this lending option.

Private Mortgage

When additional mortgage may not be right for certain circumstances, a private mortgage might be a mortgage for you to consider. A conversation with our mortgage agents will help you explore and understand your options.
You would be surprised to discover the many benefits to having a private mortgage agent, particularly with these types of loans.

Self Employed Mortgage

Starting your own company can be an exciting and rewarding endeavour. If you are self-employed, you may already have experienced the frustration of obtaining mortgage financing. 

We specialize in self-employed mortgages and will find the best home loan for your credit score and budget, even if your bank has turned you down. We will take you through a smooth hassle-free process.

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Construction Financing

Construction loan mortgage provides funds to start or complete any construction or renovation project, residential or commercial.

Having access to a construction loan means, if not all, a fair portion of your construction expenses will be covered and end costly delays in the completion of your construction project.

We work with you to gain access to funds that will complete your project, while securing flexible payment options aimed to maintain high cashflow.

Mortgage Renewal/Switch

You may be able to save thousands of dollars by switching mortgage lenders by taking advantage of preferred rates and features.

With the right mortgage renewal tips, you could switch out lenders, or renew with the same lender with better conditions. While many lenders will send you renewal details as early as six months before the term of your loan ends, some banks will leave it until just 21 days before the end of the term. This is the minimum allowed by the Canadian government.

Reverse Mortgage

Reverse mortgages can be an excellent tool for some individuals and retirees to provide them with a better financial quality of life. During the past 10 years the cost of living has increased but not as quickly as home prices. A reverse mortgage allows for the maintenance of your current lifestyle while utilizing your home equity.

In Canada, a reverse mortgage is a type of loan that is secured against your principal residence. This financing solution gives you access to tax-free cash with no mandatory ongoing payments.

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Stop Power of Sale

The stop power of sale is often used by lenders to recover funds when a homeowner defaults on their mortgages. What this means is that the lender can put your home up for sale to recover interest arrears and money owed to the lender.  

Lenders do not typically issue the power of sale after missing one scheduled payment, rather it is the result of habitually missing payments throughout the regular term of the mortgage, or missing 2-3 consecutive payments.

We specialize in providing alternative financing assistance to good people with this unique situation or circumstance, and we can help you find a solution that will allow you to keep your home.

Home Equity Line of Credit (HELOC)

Found your dream home, but don’t want to give up on your new car, your travel plans, or saving for your youngest child’s education?

Or you want to make the most of your home’s equity! You can use it to get the funds you need to start a home renovation, consolidate debt, or cover any other expenses:

  • Lower interest rates than most other loans
  • Interest-only variable rate payments, or lock in your balance
  • Borrow several times 
  • When you pay down your credit line, the funds become available for borrowing again during the 10-year draw period. 
    We can help you in quick and easy way.