Services
Mortgage Pre-Approval
Purchase Mortgages in Canada: Your Path to Homeownership
Our team is here to make homeownership simple and stress-free. With our easy Mortgage Pre-Approval process, we will review your income, credit, and financial details to determine how much you can borrow. Once pre-approved, you can confidently start searching for your dream home. We are here to guide you every step of the way, ensuring everything is clear and to your specific financial situation, goals, and requirements. Let us make your dream a reality together!
First time home buyer
Why Choose us for First Time Home Mortgage?
- Access to over 70 lenders, giving you plenty of mortgage options.
- Lower rates and better terms to save you money.
- Experts help with everything, from pre-approval to signing your mortgage.
- We provide free services, including consultations, advice, and ongoing support.
- Guidance for first-time home buyers, refinancing, investment properties, debt consolidation, and home equity loans.
Self Employed
Business for Self Mortgage (Self-Employed)
Being self-employed offers freedom but can make securing a mortgage challenging. Many Canadians run successful small businesses and embrace the entrepreneurial lifestyle. However, when seeking financing for a home, credit card, or vehicle, they often start questioning their business decisions. Our team understands these unique challenges and connects you with over 70 lenders offering specific mortgage solutions, so you can focus on growing your business without compromising your financial goals.
New to Canada
First-Time Home buyer Mortgage
If you are new to Canada, buying your first home might seem tough, especially with limited Canadian credit history. Our team is here to help you overcome this challenge! We offer programs like the Canada Mortgage and Housing Corporation (CMHC) mortgage insurance and options from financial institutions that accept alternative credit histories and employment backgrounds. Let us help you find the right mortgage and start your journey to homeownership today!
Investment Properties
The right investment property mortgage for you.
Investment Properties are properties purchased with the goal of earning income, either through renting or selling in the future, so it is a strategic way to build wealth. Our team offers access to over 70 lenders, providing a variety of mortgage options to suit your investment goals. We assist you in understanding the specific requirements for investment property financing, including down payment and income verification. Collaborate with us to grow your portfolio and enhance your net worth, one property at a time!
Debt Consolidation
Simplify Your Finances with Debt Consolidation
Debt Consolidation is the process of combining multiple debts into a single loan or payment. This can help simplify your finances by making it easier to manage. You may secure lower interest rates and reduce monthly payments, making it easier to stay on top of your financial obligations. Investing in real estate through mortgage financing is more than just a transaction, it is a way to build wealth. By consolidating your debts and streamlining payments, you can focus on growing your property portfolio and increasing your net worth, one investment at a time. Our team can guide you through the process, helping you make more informed financial decisions for a brighter future.
Mortgage Renewals
Mortgage Renewal Assistance: Securing the Best Terms for You
In Canada, mortgage renewal is the process of extending your mortgage term with your current lender or switching to a new one. As your mortgage term nears its end, it is essential to review your options to ensure you continue to receive favourable terms. Our team is here to assist you in evaluating your current mortgage, comparing rates, and negotiating terms that align with your financial goals. By collaborating with us, you can make informed decisions and secure the best possible terms for your mortgage renewal.
Mortgage Refinancing
Refinance Your Mortgage with Assurance
- Mortgage refinancing can help you secure a lower interest rate, reducing your monthly payments and saving money in the long term.
- By refinancing, you can consolidate high-interest debts, such as credit card balances, into your mortgage, simplifying your finances and possibly lowering overall interest costs.
- Mortgage refinancing allows you to access the equity you have built in your home, providing funds for home improvements, investments, or other financial needs.
- Refinancing offers flexibility to adjust your loan term, enabling you to pay off your mortgage faster or adjust monthly payments to fit your budget.
- By consolidating debts and adjusting your mortgage, you can streamline your financial obligations, making it easier to manage your finances and plan.
Renovations
Financing Your Home Improvement Projects
A renovation mortgage is a loan that combines the cost of buying or refinancing your home with the cost of home improvements or renovations. It allows you to finance both your home purchase and renovations in one loan. You can use it for various renovations, from kitchen upgrades to complete home remodels. This type of mortgage simplifies the financing process by combining both the home purchase and renovation costs. It can also help increase the value of your home while making necessary improvements. Our team can help you qualify for better interest rates and longer repayment terms compared to using credit cards or personal loans.
Credit Improvement
Boosting Your Chances for Better Financing
Improving your credit score can significantly boost your chances of securing better financing options, such as lower interest rates and more favourable loan terms. Our team recommends starting by checking your credit report from major bureaus to identify and correct any errors. We also advise paying all bills on time, including utilities and credit cards, and working on reducing outstanding debt to improve your credit utilization ratio. Avoid applying for new credit frequently, as each inquiry can negatively affect your score. Additionally, keeping older credit accounts open can help lengthen your credit history, which positively impacts your score. By following these steps, we can help you improve your credit and increase your chances of securing better financing options.
Vacation Homes
Unique, innovative, trusted Vacation Homes
We offer a wide range of mortgage services to meet your needs, including options for vacation homes. With over 2,200 mortgage professionals across Canada, we are here to help you find the right financing for your dream vacation home. Whether you are looking for a cottage for weekends or a second home for vacations, we will guide you through the process and help you get the best rates. Our team provides you with expert advice every step of the way. Contact us today to start your journey toward owning a vacation home.