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Mortgage Services

Home Buyers

Buying a home is an exciting journey, and we’re here to make it as smooth as possible. Canadian homebuyers have diverse needs, which is why we offer customized mortgage options and flexible terms that work best for your situation.

Customized mortgage options and flexible terms

Our Services for Home Buyers Include:

Our team is here to make homeownership a seamless experience, finding the best rates and options for Canadian homebuyers.

First Time Home Buyers

Starting as a first-time homebuyer can be daunting, but our tailored services make it easier to navigate programs, understand financing options, and achieve homeownership with confidence.

Special Benefits and Programs for First-Time Buyers:

Our team helps you make sense of these programs, whether it’s saving on taxes, accessing favorable rates, or understanding each step of the mortgage process.

High Ratio Mortgages

A high-ratio mortgage is ideal for homebuyers with a down payment of less than 20%. While these mortgages require mortgage insurance, they allow you to purchase a home sooner without needing a large down payment.

Benefits and Considerations of High-Ratio Mortgages:

We’ll help you understand how mortgage insurance works, how premiums are calculated, and how this type of mortgage can make homeownership attainable in a competitive real estate market.

Conventional Mortgages

With a down payment of 20% or more, a conventional mortgage is a great choice to save on monthly costs and build equity faster.

Advantages of Conventional Mortgages:

Our team will help you compare options from top Canadian lenders and provide guidance to ensure this type of mortgage aligns with your financial goals.

Investment/Rental Purchases

Buying rental or investment properties is an effective way to build wealth, and we offer specialized mortgage options and guidance for Canadians ready to make this type of investment.

Key Points for Investment and Rental Property Mortgages:

New to Canada

Starting fresh in a new country is a big change, and buying a home may be one of your first goals. We offer specialized mortgage services for newcomers, helping you understand the mortgage process in Canada and connect with lenders who support new Canadians.

Tailored Solutions for New Canadians:

Our goal is to make the mortgage process simple and accessible, empowering you to achieve your homeownership dreams in Canada.

Self-Employed

Self-employed Canadians can face unique challenges in securing a mortgage, but with the right support, homeownership is within reach. We work with self-employed clients to help them understand their options and navigate lenders who welcome non-traditional income.

Mortgage Solutions for Self-Employed Canadians:

Our team understands the ins and outs of self-employed income, and we’re here to find flexible solutions that work for your financial lifestyle.

Home Owners

Owning a home opens the door to a range of mortgage options that can support your financial goals, from accessing home equity to restructuring debt or renovating. Our mortgage solutions are designed to give Canadian homeowners flexibility and control over their financial future.

Bridge Financing

Bridge financing is a short-term solution for homeowners buying a new home before the sale of their current one. It provides temporary funds to “bridge” the gap, covering down payments or other expenses until your home sells.

How Bridge Financing Works:

We make bridge financing easy to understand, so you can move into your new home with confidence, knowing your finances are covered during the transition.

Home Equity Lines of Credit (HELOC)

A Home Equity Line of Credit (HELOC) lets homeowners access the equity they’ve built in their property to use for home renovations, education, investments, or other major expenses. This flexible, revolving line of credit allows you to borrow against the home’s equity as needed.

Benefits of a HELOC:

Our team helps you determine how much equity you can access and works to find the best HELOC terms suited to your financial goals.

Medical Professional Programs

Our medical professional programs cater to the unique needs of doctors, dentists, veterinarians, and other healthcare professionals, including newly practicing and foreign-trained physicians. We understand the challenges that come with extensive training and student debt, and our programs are designed to help you secure mortgage options that align with your qualifications and career path.

Mortgage Benefits for Medical Professionals:

We’re here to make homeownership accessible and straightforward for healthcare professionals, offering mortgage options that consider your educational and professional background.

Mortgage Renewal

When your mortgage term comes to an end, renewing is an opportunity to review and possibly renegotiate your mortgage. By assessing new rates and terms, we help homeowners maximize savings and find better options suited to their current financial picture.

Key Considerations for Mortgage Renewal:

Our team will help you explore all options, including switching lenders if it offers you better rates and terms.

Refinancing / Equity Takeout Mortgages

Refinancing, or an equity takeout mortgage, allows you to leverage your home’s increased value by replacing your current mortgage with a new one for a higher amount. This provides access to cash for major purchases, debt consolidation, or investments.

Benefits and Uses of Refinancing:

We’ll guide you through the refinancing process, ensuring you understand your options, potential costs, and the impact on your mortgage term.

Reverse Mortgages

For Canadians aged 55 and over, a reverse mortgage allows you to access up to 55% of your home’s value as tax-free cash while retaining ownership of your property. This can be a valuable option for retirement income or to cover other financial needs.

Advantages of a Reverse Mortgage:

We’ll guide you through the pros and cons of a reverse mortgage, helping you assess if it’s the right choice for your retirement plans.

Spousal Buyout and Divorce Mortgage Help

Navigating mortgage options during a divorce or separation can be complex, especially if one partner wishes to retain ownership of the home. Our spousal buyout mortgage services are designed to make this transition as smooth as possible, providing refinancing solutions to buy out your partner’s share of the property.

How Spousal Buyout Mortgages Work:

Our experienced team is here to support you through this process, helping you secure your financial future with the least disruption possible.