Full-service mortgage brokerage specializing in residential, commercial, construction, development, and CMHC multi-unit financing.

Purchases

Your Dream Home Is Waiting for You

With the right mortgage, you can turn your dream home into a reality. Let us help you navigate your options through the different types of mortgages so you can make the brightest investment for your future.
Get Pre-Qualified

What Is a Mortgage?

In simple terms, a mortgage is a loan that helps you buy a home when you don’t have enough money to pay for it all at once.

Scenarios Where a Mortgage Is Useful

Purchases

You're a first-time home buyer or purchaser looking to acquire another home.  Instead of paying the full price at once, you repay the mortgage through monthly payments over a set number of years.

Refinances

You either need to adjust your existing mortgage terms or may need access to the equity in your home to make another purchase, consolidate other debts, or you're looking to perform renovations.

Switch/Transfer

Your existing mortgage term is coming up for renewal and you'd like to explore the best interest rate options in Canada.

Equity Take-Out / HELOC

You may or may not need access to the equity in your home through the form of a line of credit. If you choose to borrow money from the line of credit, you'll make payment in the form of interest-only payments.

Types of Mortgages

Fixed-Rate Mortgage: Your interest rate remains the same throughout the term of the loan.
Variable-Rate Mortgage: Your interest rate may fluctuate based on the Bank of Canada’s prime rate.
Insured Mortgages / High-ratio mortgage:If you're a first-time home buyer or purchasing a home in Canada as your principal residence, and your down payment is less than 20% of the home's purchase price, you’ll need to get mortgage default insurance from either CMHC, Sagen, or Canada Guaranty
Conventional/Uninsured Mortgage:You have existing equity exceeding 20% of the property's value or you're looking to make a purchase, this will require a 20% down-payment of the property's purchase price.

Refinance Your Mortgage

Refinancing your mortgage can open up a world of financial benefits and give you peace of mind. We’re here to help you explore the best options for your situation.
  • Refinancing Evaluations: We’ll take a close look at your current loan terms to find ways you can save and possibly lower your interest rates.
  • Cash-Out Options: Need extra funds for a renovation or other expenses? We’ll walk you through cash-out refinancing so you can easily access the equity in your home.
  • Long-Term Financial Impact Review: We’ll help you understand how refinancing could shape your financial future, making sure your choices support your long-term goals.

Tap Into Your Home Equity

Your home is more than just a place to live; it’s a valuable asset that can help you achieve your financial goals. We’re here to help you make the most of your home equity.
  • Smart Ways to Access Equity We’ll take a close look at your current loan terms to find ways you can save and possibly lower your interest rates.
  • Invest Wisely: We’ll help you find the best uses for your equity, whether for renovations, education, or consolidating debt.
  • Understand the Risks: Borrowing against your home can be helpful, but we’ll ensure you’re aware of the risks and guide you in making informed choices.

Looking to Build Your Dream Home?

We offer owner-occupied construction financing.
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The Mortgage Process

Pre-Approval

Get pre-approved for a mortgage by reviewing your finances, including your credit score, income, and debts. This shows sellers you're a serious buyer and helps determine how much you can borrow.

Making an Offer

When you find the right property, your agent will assist you in making an offer, which may involve negotiations.

Underwriting

The lender will review your application to assess your ability to repay the loan and may request more information.
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Finding a Property

Work with a real estate agent to find a home that meets your needs and budget.

Mortgage Application

When you find the right property, your agent will assist you in making an offer, which may involve negotiations.

Closing

Once approved, proceed to closing where you’ll sign final documents, pay closing costs, and transfer ownership, usually managed by a lawyer or notary in Canada.

Pre-Approval

Get pre-approved for a mortgage by reviewing your finances, including your credit score, income, and debts. This shows sellers you're a serious buyer and helps determine how much you can borrow.

Making an Offer

When you find the right property, your agent will assist you in making an offer, which may involve negotiations.

Underwriting

The lender will review your application to assess your ability to repay the loan and may request more information.
1
2
3
4
5
6

Finding a Property

Work with a real estate agent to find a home that meets your needs and budget.

Mortgage Application

When you find the right property, your agent will assist you in making an offer, which may involve negotiations.

Closing

Once approved, proceed to closing where you’ll sign final documents, pay closing costs, and transfer ownership, usually managed by a lawyer or notary in Canada.

Looking for More Tips & Tricks?

Access our resource library here.
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We’re Here to Help You

We are a full-service mortgage brokerage committed to helping you achieve your ideal home financing solution by providing:

Access to Multiple Lenders:

We partner with banks, credit unions, and non-traditional lenders to offer you a wider range of loan options and potentially better rates.

Expertise and Guidance:

We are well-versed in the mortgage market and can guide you through the complex process.

Customized Loan Solutions:

We tailor loan recommendations to your unique financial situation and goals, identifying the best options based on your credit score, income, and other factors.

Time-Saving:

We streamline the mortgage process by handling paperwork and communicating with lenders for you, saving you time and effort.
Full service mortgage-brokerage specializing in Commercial, Residential, Construction, Land and Development, and CMHC Multi-unit Financing.
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