Purchasing your first home is an exciting venture but can also be incredibly stressful. We take the stress away by providing you with guidance every step of the way. Consulting a mortgage professional is prudent as we can assist you with providing the right advice to ensure that your mortgage solution is customized to fit your needs.

As a repeat buyer, you need to know what options are available in this mortgage market. Today’s mortgage qualifications are far more stringent than in the past. Also, your mortgage may not be as portable as you think. In fact, many clients discover that they qualify for significantly less than they did previously. Consult with a licensed mortgage professional to review your situation and make an informed decision on your next purchase BEFORE you list and sell your current home.

Canadians today face many reasons to refinance their mortgage. For example, you may have been working at improving your credit score and now qualify for a new mortgage with a better interest rate, or you may want to stabilize your payments by changing from a variable rate mortgage to a fixed-rate mortgage. Refinancing is also a good option to pull out equity for consolidating debt to pay off those high interest credit cards and lines of credit, increase your cash flow, complete home renovations, fund investments, pay for your children’s education or wedding, and more.

While most Canadians spend a lot of time and expend a lot of effort in shopping for an initial mortgage, the same is generally not the case when looking at mortgage term renewals. By omitting proper consideration at the time of renewal, this practice costs Canadian citizens thousands of extra dollars every year. Nearly 60% of borrowers simply sign and send back their renewal that is first offered to them by their lender without ever shopping around for a more favourable interest rate. Homeowners should never accept the first offer from their existing lender. Without any negotiation, simply signing up for the…

There are alternative solutions available to individuals regardless of their credit situation or employment status. We have access to non-traditional lenders who offer financing solutions to individuals who have some credit or employment 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 to help you achieve home ownership.

While many Canadians take advantage of self-employment opportunities, those who are self-employed sometimes face roadblocks when they are in the market to obtain mortgage financing. Thankfully, Canadian mortgage lenders are starting to understand the importance of self-employment in our culture and are making great mortgage programs available to the self-employed to finance their primary residence and even their vacation homes. Licensed mortgage professionals are experts at assisting self-employed individuals with getting a mortgage and they will ensure you get the best mortgage available in the marketplace. We have access to programs to help self-employed borrowers find their path to home ownership and you…