Affordability

The first step is to review your current expenses thoroughly. Assess your budget, and find out how much added expense will be incurred in taking on a mortgage. Before you embark on your housing search, visit or contact your local mortgage office and get a pre-approved mortgage, especially if you're a first time buyer.

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Mortgage Checklist

Making the right choice when it comes to your mortgage is a matter of good planning, not good luck. The key to this is preparation. Use our guidelines and checklists to help you expect the unexpected, so there are no surprises on closing day. Read More

Purchasing a Home

Moving is extremely stressful, and very tiresome. Whether you're purchasing a home for the first time, or you're simply looking to move, we can alleviate some of that stress for you. Avoid phone tag with the banks, and unanswered questions; we will do the rate shopping for you.

We will expertly advise you on what to expect to help make your transition smooth and painless; we will help determine how much your downpayment will need to be, what documentation will be required from you for your approval, and what costs will be associated with your closing. Our services are completely free; you will never pay us, we are paid by the financial institution that you choose to hold you mortgage with. Consider a pre-approval before house hunting to ensure you qualify.

Questions? Ask an expert! Contact us for a free consultation.

Refinance

With a mortgage refinance, you choose to pay off your existing mortgage with a new mortgage, preferably with a lower rate and/or an option to borrow additional cash.

Refinancing can give you the option of shortening or lengthening your term. Refinancing may be an ideal strategy for you to:

  • Reduce your interest rate and decrease interest costs.
  • Consolidate existing debt
  • Increase your cash flow
  • Start and/or build your investment and wealth management strategy
  • Access equity for home improvements or renovations

Check out our rates (link to rates) to determine if a refinance will be beneficial to you. Refinances can be a sound financial strategy if guided by a savvy hand.

Questions? Ask an expert! Contact us for a free consultation.

Transfer

Transferring your mortgage from another financial institution is easy and there are many reasons why you might want to do this. Among them are better service, a better interest rate, greater repayment flexibility or the desire to have all of your financial needs met by the bank you trust and friendly professionals who value your business.

  • Are you happy with your current rate? Is there possibly a better rate for you?
  • Do you like the current terms of your mortgage?
  • Are you satisfied with the service you’ve received from your current institution.

Check out our rates (link to rates) to determine if a refinance will be beneficial to you. Refinances can be a sound financial strategy if guided by a savvy hand.

Questions? Ask an expert! Contact us for a free consultation.

New Buyer

Purchasing a Home for the first time is exciting, and intimidating at the same time. However, there are many ways to alleviate some of the stress associated with buying a home. Not only can we help find the best fit mortgage for you, but we can assist and advise with many of the daunting tasks that come with buying a home.

There are many things to consider when purchasing a home for the first time;

  • What kind of Government benefits (link to useful links) am I eligible for?
  • What can I afford (link to affordability)?
  • What can I use for a downpayment (link to downpayment)?
  • What costs (link to checklists) are associated with moving?
Questions? Ask an expert! Contact us for a free consultation.

Self Employed

Recent statistics show that nearly 20% of workers in Ontario are self employed. We have access to products that have been specifically tailored for self employed workers. This is beneficial to those self employed persons who are unable to provide the traditional third party validation of income.

Learn More.. Ask an expert! Contact us for a free consultation.

Fixed versus Variable

When deciding on a Mortgage to commit to, you must decide if you would like your mortgage structured as a fixed rate (link to Glossary – Fixed Rate) or a variable rate (link to Glossary – Variable Rate).

Consider your personal and financial needs when making a decision on a fixed or variable rate;

  • Are you okay with fluctuating monthly payments?
  • Do you need a mortgage that will allow you to break the terms without penalty?
  • Are you aware of the available rates at present time?
Questions? Ask an expert! Contact us for a free consultation.

Pre Approval

A pre approval is a great way to ease some stress when buying a home. We recommend you obtain a pre approval before you start house shopping. A pre approval gives you an idea of exactly what amount you qualify for, so you know exactly what you can afford and are eligible for. Another perk with obtaining a pre-approval, is that you have the option to set the current rate (hold varies between 60 – 120 days).

Learn More.. Ask an expert! Contact us for a free consultation.

Buyers Overview

Affordability and Financing
Find out how much added expense will be incurred in taking on a mortgage..>>
Mortgage Checklist
Your mortgage agent can help you determine how much you can afford..>>
Before Signing the Offer
It's not a bad idea to involve your lawyer before you sign the Offer..>>
Finding the Right Home
So now that we've convinced you to make a move, how do you go about it?>>
Mortgage Life Insurance
You should look at mortgage life insurance, especially where two incomes are involved.>>
On Closing Day
On closing day, your lawyer will meet a representative from the vendor's law firm at the land registry office.>>
Prepayment Privileges
We could go on at length about the various features of each mortgage type but in the interest of time, our best advice is to research your options.>>
Selecting the Right Mortgage
The basic choices to look at in selecting a mortgage..>>