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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
1st Time Buyers
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 about the process and will take to easy quick and hassle free process.
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Cottage Mortgage
Private Mortgage
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 some, if not all,of your construction expenses will be covered on time and will help avoid costly delays in the completion of your home.
We work with you to provide funds that will complete your project and secure flexible payment options you need 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 Eqity 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.
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COMMERCIAL MORTGAGES
Commercial Purchase
If you need to purchase land or property for the intention of doing business you many need to look into a commercial mortgage. A commercial mortgage is quite similar to a traditional residential mortgage/ collateral mortgage where the property is used to secure the loan.Commercial and industrial mortgage loans are loans made between business entities and commercial mortgage lenders. Commercial loans can take the form of 1st, 2nd, or 3rd mortgages.
We Tailor All Commercials Mortgages & Industrial Mortgages To The Specific Goals Of Our kind Clients.
construction financing
A construction financing loan is a loan you utilize to pay for the construction of a new build home. Like any loan or mortgage, you want to ensure your monthly payments fit your budget. This is particular true with a construction loan as you may be paying to live somewhere else while your home is being built. The beauty of construction financing is you get to build your home exactly how you want it.
Let’s get you building!
If you have any questions about our Construction mortgage options, or if you’d like to get an application started, feel free to get in contact with one of our construction mortgage specialists. We will be pleased to help you.
Home Purchase Mortgage
A land loan helps you purchase a piece of land so you can build on it. It can be more difficult to qualify for this type of loan which is because the lender typically has a hard time reselling the land as they would a house. Because of this, land loans tend to come with higher interest rates and require higher down payments than traditional mortgages.
We can assist you in obtaining the finance you require for your land acquisition, whether you are buying a plot as a long-term investment, or if you have plans to develop and build your dream home, numerous residences or a subdivision, or a business or industrial project.
Agricultural Financing
If you need to purchase land or property for the intention of doing business you many need to look into a commercial mortgage. A commercial mortgage is quite similar to a traditional residential mortgage/ collateral mortgage where the property is used to secure the loan.Commercial and industrial mortgage loans are loans made between business entities and commercial mortgage lenders. Commercial loans can take the form of 1st, 2nd, or 3rd mortgages.
We Tailor All Commercials Mortgages & Industrial Mortgages To The Specific Goals Of Our kind Clients.
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