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OUR SERVICES
First-time home buyer
You’re in the right place!
Buying your first home is an exciting process that can often be overwhelming and full of uncertainties. Life is also dynamic, and your mortgage product should be chosen by evaluating your current and future needs. We have the expertise to personal a solution that is suitable to your situation. There are several options that allow for portability, accelerated payments, minimal payments and hybrid options to suite the unique situation.
Refinancing
Access the equity you have build and deserve!
Refinancing a mortgage refers to the process of replacing the current mortgage with revised one, with the same or different lender. With the increase in house prices, homeowners have built a significant equity in their homes. Refinancing option allows homeowners to access that equity in the form of cash for up to 80% of the home value. The extra funds can be utilized for property repairs, renovations, or other use. The new mortgage that replaces the current one often allows homeowner to lower their interest rates as well.
Pre-Approvals
Don’t shop around without one!
Pre-approvals allow you to calculate the affordability of your mortgage, including the required down payment and qualifying interest rate. This will significantly accelerate the process of securing a mortgage loan. In addition, this demonstrates that you are a series buyer and increases credibility with the seller.
Debt Consolidation
Say NO to high interest payments!
With the ever-increasing cost of living, it is easier than ever to fall in debt. This leads to missed payments and late fees, interest charges and heavy penalties start to pile on. Debt consolidation allows homeowners to reorganize their debts into a single low interest payment.
With the increase in house prices homeowners have built a significant equity in their homes. This equity can be leveraged to pay off high interest debts and consolidate them into the low interest mortgage.
Most homeowners qualify at 80% LTV.
Mortgage renewal
Its time for a better mortgage product!
Most mortgage terms come to an end after 5 years. This leaves homeowners with multiple options for their next mortgage term. This is a critical time to re-evaluate personal choices and choose a mortgage that fits the next phase of their life
Self-Employed
Obtaining a mortgage for self-employed individuals can often be a challenge.
Although self-employed individuals are considered reliable borrowers, the process of obtaining a mortgage has its unique challenges that require creative solutions to obtain the best mortgage. Our experience and successful track record has equipped us with the knowledge and expertise required to navigate the complex borrowing processes.
Second Mortgages
Access the equity you have build and deserve!
Second mortgage is another great option for homeowners to access the equity in their homes and use it how they see fit. These mortgages are often interest only payments and come in both forms, open or closed. With open mortgage homeowners can pay the borrowed amount at any time without paying any penalties.
New to Canada
You’re in the right place!
With house pricing reaching record levels each year it is important to contact a mortgage broker early, so you understand mechanics of buying your first home in Canada. It is important to contact a mortgage to understand the borrowing process and regulations set here in Ontario. With our intensive experience we have plans and solutions that can set you into your own home sooner. We will help you understand the credit requirements (credit history, score, etc.), interest rate, down payments and cost of borrowing.
Home Equality Line of Credit
Access the equity you have build and deserve!
Home equity line of credit also known as HELOC is a line of credit that allows homeowners to access the equity in their home. Equity in the home determines the amount that homeowners can borrow. Higher the quality the larger the line of credit amount that can be borrowed. HELOC is a great option as homeowners will only pay interest on the amount they decide to use and time period the money is borrowed.
Mortgage for Bad Credit
Have bad credit? Don’t worry, we can help!
Credit plays a vital role in determining the type of mortgage and the amount that you can borrow. However, there are lenders that will provide funding for those with bad credit. The requirements and terms for these lenders differs from the traditional lenders but you can obtain the funding required to secure the home of your dreams. We will help you obtain the funding you need and review your unique situation to provide guidance on how to improve your credit. As your credit situation improves, we can readjust the mortgage as your borrowing options will increase.
Commercial Mortgages
Commercial mortgages apply to properties that are not used for residential purposes unless they are categorized as a building that has more than 4 units.
Commercial mortgages follow a different borrowing process than residential mortgages, and lenders have developed separate products that cater the need for commercial mortgages.
Following are examples of commercial mortgages. Although the process is large the same, each of these have their unique requirements:
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Hotel or Motel Mortgages
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Office Buildings
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Industrial properties (e.g. Warehouses, Factories, Storage facilities, etc.)
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Rental Properties
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Land Development
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Retail Strip Center
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Constructions Mortgages
CONTACT US
FILL IN THE FOLLOWING CONTACT FORM
ADDRESS
7025 Tomken Rd #235,
Mississauga, ON
L5S 1R6
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