Given the vast number of mortgage products and options available today, shopping for a mortgage sometimes can be overwhelming and confusing for consumers. I will provide you with a comprehensive source of information and expert advice that will help you build a mortgage blueprint that fits your financial needs and long term financing goals. With access to various mortgage lenders, we shop the market on your behalf for the lowest mortgage rates and offer you mortgage solutions that best suit your unique mortgage needs.
Let’s get started…
| First Time Home Buyers Let us help you with one of the biggest financial and lifestyle decisions you will make. We’ll shop multiple lenders to get you the best rate and minimize any penalties. |
Mortgage Renewal It’s most likely that your current lender will offer you a rate that is not the best one on the market. We’ll show you how to obtain the best rate and options for your unique situation. |
| Home Renovations and Construction Loans If you are building a new home or renovating your property, we have excellent financing options to help you out. |
Investment Properties Looking to invest in a second piece of property? Thinking about a vacation or recreational property? We can help. |
| Debt Consolidation Use the equity you already have in your home to lower interest payments on bad debts and reduce payees. |
Repair Your Credit Does your credit rating need some repairing? Sometimes things get out of control…the worst thing you can do is do nothing. |
| Self Employed Entrepreneurship is not always rewarded when it comes to mortgaging your next home. We have some smart options for self-employed professionals to suit your needs. |
Second Mortgages, Private Mortgages and Private Lenders NO PROBLEM EVEN IF YOU HAVE: Bad credit history, no income, arrears, consumer proposal, bankruptcy, etc. |
Subject to approved credit, income verification and meeting lending credit granting criteria. Applies to residential mortgages only and some conditions may apply. O.A.C., E.O.E All content is subject to change without notice.
DEBT CONSOLIDATION – SECOND MORTGAGES
Use Your Home Equity to Reduce Credit Card Debt
Many Canadians are taking advantage of refinancing some of the equity in their mortgage to reduce their credit card debt. Why pay high interest rates on your bank’s credit card debt when you can add that debt to your mortgage and pay a much lower interest rate! One important part of a strategy is knowing “good debt” from “bad debt”. A well-planned mortgage can help you turn those bad debts into good debts and get them out of the way.
1. Consolidate high interest rate credit cards to one lower rate.
2. Save money and increase cash flow.
3. Reduce stress knowing that your financial situation is now manageable.
If you’d like to have a conversation about refinancing your debt, give us a call today to review your options. It’s time to beat the banks!
What’s Next?
*Subject to approved credit, income verification and meeting lending credit granting criteria. Applies to residential mortgages only and some conditions may apply. O.A.C., E.O.E All content is subject to change without notice.
SECOND MORTGAGE AND PRIVATE LENDER & PRIVATE MORTGAGE
— Debt consolidation: Consolidate all your debts into one piece with lower monthly payments and lower interest
— Equity Take Out: Put your property’s equity into good use; you may need some relief paying your existing mortgage, paying down debts, credit cards, renovations or investing in your business. There are several strategies that you can use to access those funds
— NO PROBLEM EVEN IF YOU HAVE: Bad credit history, no income, arrears, consumer
proposal, bankruptcy, etc. There is no one absolute right or wrong solution, and choosing an approach will depend on your particular situation, what you qualify for and which approach will bring the maximum benefits.
Give us a call today!
What’s Next?
REPAIR YOUR CREDIT
Bad credit rating can be gut-wrenching and humiliating … we have options!
“Life is what happens when you’re busy making other plans.” …and sometimes things get out of control. A bad credit rating can be gut-wrenching and humiliating as well as just plain bad news. We see all kinds of credit ratings every day and we have the strategies to help improve and even heal, damaged credit. You may be surprised to know that you can still obtain a mortgage. Whether you’ve had a bankruptcy or your credit is only slightly bruised, you can obtain financing.
As mortgage professionals, we have access to non-traditional lenders who offer financing solutions to individuals who have some credit challenges that cannot be addressed by the major financial institutions. Together we can quickly assess your situation and decide on the best way to move forward. The worst you can do is do nothing.
Give us a call today!
What’s Next?
*Subject to approved credit, income verification and meeting lending credit granting criteria. Applies to residential mortgages only and some conditions may apply. O.A.C., E.O.E All content is subject to change without notice.
FIRST TIME HOME BUYERS
Looking for your first home?
Buying a home is an exciting time! You’re about to take a big step so you’ll definitely need some advice from a mortgage professional. We’ll give you the facts your bank won’t tell you about financing your next purchase. With access to multiple lenders, we’ll help you find the best rates and best mortgage options to help you buy your dream home. Our best advice? Begin with a conversation with a mortgage professional in your area.
Need a pre-approval before you go house hunting?
Find out how much you can afford before you go house hunting! This will keep you focused on shopping for homes within your price range. If you qualify for a preapproved mortgage, you’ll be certain of the size of mortgage for which you qualify and guaranteed a rate for a specific period of time. If you don’t qualify for a pre-approved mortgage, we will be able to help you estimate a mortgage-qualifying amount.
What’s Next?
*Subject to approved credit, income verification and meeting lending credit granting criteria. Applies to residential mortgages only and some conditions may apply. O.A.C., E.O.E All content is subject to change without notice.
HOME EQUITY RENOVATIONS
Sometimes, the house of your dreams is the one you’re already living in.
Maybe it just needs some new landscaping, an extra wing for your growing family, an expanded kitchen, or a swimming pool in the backyard! A record number of Canadians have taken advantage of the historic low mortgage rates and rising real estate values and have tapped into their home equity through equity take-outs. There’s never been a better time to access the extra funds that can help bring your home to that next level of comfort. Consider accessing the cash you need for the renovations and improvements you’ve been dreaming about!
Give us a call today!
What’s Next?
*Subject to approved credit, income verification and meeting lending credit granting criteria. Applies to residential mortgages only and some conditions may apply. O.A.C., E.O.E All content is subject to change without notice.
CONSTRUCTION LOANS
Many people dream about building a new home to their exact specifications.If you’ve been thinking about building a new home, it could be one of the most exciting and rewarding projects you’ll ever undertake. If you’re currently a homeowner, an alternative to a construction loan is to use the equity in your home to finance building a house. We offer a number of construction loans designed to help you finance the building of your new home. For information on construction loans, including the benefits of closing before construction begins, talk with a mortgage professional.
Give us a call today!
What’s Next?
*Subject to approved credit, income verification and meeting lending credit granting criteria. Applies to residential mortgages only and some conditions may apply. O.A.C., E.O.E All content is subject to change without notice.
INVESTMENT PROPERTIES
Investment properties are now accessible to many average Canadians.
Investment properties – particularly smaller, residential real estate – are now accessible to many average Canadians. And as any homeowner will confirm, real estate has been one of the most attractive investment categories in Canada for the past decade. If you’re considering an investment in real estate, start by having a conversation with an experienced Mortgage Broker, to explore some of the innovative new options and great rates available today.
Vacation Homes
There are many Canadians jumping at the chance to own a recreational property. The aging baby boomer population is flush with capital and an insatiable desire for a waterfront or other recreational property. And with the advent of better roads, Internet and telephone service, satellite service, and winterization expertise, people are realizing that vacation properties can make ideal retirement homes. No longer just perceived as a welcome retreat from the city, a second home is now viewed as a solid financial investment with the added value of a potential retirement property.
Give us a call today!
What’s Next?
*Subject to approved credit, income verification and meeting lending credit granting criteria. Applies to residential mortgages only and some conditions may apply. O.A.C., E.O.E All content is subject to change without notice.
MORTGAGE RENEWAL
Congratulations on your maturing mortgage…now let us help you get a better rate!
If your mortgage renewal is fast approaching then you’ll soon be at an important financial milestone. Now’s a great time to look at the many innovative options and competitive rates available. Lenders send out renewal forms just prior to renewal dates to those with good payment histories, with about 70% of homeowners sending it back without asking any questions. In today’s hectic world, it can be the easiest and best route, but you should ask yourself some questions before you sign on the dotted line. This could be an important moment of opportunity.
Maybe your mortgage needs have changed. This is the time to decide. For example, you may want to consolidate high interest debt in with your mortgage or you may want to tap some of your home equity for a renovation project? Or maybe you’re considering a cottage or vacation property. Are you confident you will get the best rate at renewal?
Having multiple lenders compete for your business is a great way to ensure you get the best rate for your situation. We deal with multiple lending institutions, including major banks, credit unions, trusts and other national and regional lenders, which means we can put significant negotiating power behind finding the best mortgage to fit your specific situation.
Give us a call today!
What’s Next?
*Subject to approved credit, income verification and meeting lending credit granting criteria. Applies to residential mortgages only and some conditions may apply. O.A.C., E.O.E All content is subject to change without notice.
SELF EMPLOYED
Small and medium-sized businesses are the engine of the Canadian economy.
When it comes to mortgages, it hasn’t always paid to be self-employed – because reducing your taxable income can make it difficult to qualify for the mortgage you deserve. We understand business owners because we’re business owners, too.
What’s better, we have a long list of institutional and private lenders that offer excellent mortgage options for self-employed Canadians. These lenders in Canada understand that self-employed individuals have tax write-offs creating significant reductions in their declared income. With these mortgage lenders, you will not be required to prove your income and a reasonable estimate of your annual income will be acceptable.
We’re here to help you beat the banks … give us a call today.
Give us a call today!
What’s Next?
*Subject to approved credit, income verification and meeting lending credit granting criteria. Applies to residential mortgages only and some conditions may apply. O.A.C., E.O.E All content is subject to change without notice.
CONSTRUCTION LOANS
Many people dream about building a new home to their exact specifications.
If you’ve been thinking about building a new home, it could be one of the most exciting and rewarding projects you’ll ever undertake. If you’re currently a homeowner, an alternative to a construction loan is to use the equity in your home to finance building a house. We offer a number of construction loans designed to help you finance the building of your new home. For information on construction loans, including the benefits of closing before construction begins, talk with a mortgage professional.
Give us a call today!
What’s Next?
*Subject to approved credit, income verification and meeting lending credit granting criteria. Applies to residential mortgages only and some conditions may apply. O.A.C., E.O.E All content is subject to change without notice.
