We have access to Canada’s leading mortgage lenders, with some of the most innovative and most competitive mortgage products available:

 We offer services through financial institutions and private lenders, that will compete for the opportunity to fund your mortgage.

Different options offered by financial institutions are:

 · residential mortgages, short or long term fixed rate mortgages, variable rate mortgages; prepayment options and payment frequency choices are available

 · re-advanceable features leading to lower cost funding; offer of temporary financial relief through skip-a payment option; financing alternative for people who may not qualify for traditional mortgage products through VISION MORTGAGE; construction mortgages

 · highly flexible mortgages; long term mortgages for 10, 15, 18, 25 years; Loan Closer Mortgage provides funds to pay legal fees upfront; Access Mortgage as a solution for self-employed people; several prepayment and payment frequency choices.

 · Maximizer Plus (ARM) or fixed terms  of 6 months to 10 years with flexible prepayments and conversion options

· flexible mortgages that are open for repayment at any time, for any reason

We have access to over 85 different lenders!

Here are just a few simple reasons why it’s a good idea to use a mortgage broker:

Independent, unbiased advice

brokers provide mortgages from various lenders, so they are not tied to one lender or one type of mortgage

More mortgage choices

brokers have direct electronic access to virtually every major lender in Canada and therefore they can offer a wide range of rates and features

Best rates available 

Fast, convenient service

brokers are highly motivated to keep your mortgage moving forward quickly

Secure, established lenders

brokers deal with the same reputable, established Canadian financial institutions you’re used to and additionally there is access to some more innovative lenders

Don’t simply take what your financial institution offers, let us help you to find the perfect mortgage that meets your needs.

Do you need help with fulfilling your dream of a vacation property?

Owning a vacation property makes sense on a lot of different levels:                                                                         It can dramatically reduce the cost of vacations, bring your family closer together, be a good investment—you buy it and sell it later at a profit or it can be a good return on investment—you buy it, use it occasionally and rent it out the rest of the time to subsidize your investment.

Affordability and Financing:

 Lenders determine affordability by looking at your: 

Gross Debt Service ratio (GDS)

¨ which is based on what you can afford to pay each month and includes mortgage payments, taxes and heating

Total Debt Service ratio (TDS) -

¨ which includes everything covered under the GDS plus all your other financial obligations

Conventional mortgage

Equals max 75% of the appraised value or purchase price

High-ratio mortgage

Usually for more than 75% of the appraised value or purchase price; must be insured through CMHC

Closed mortgage

Usually lower interest rates than open mortgages of the same term

Open mortgage

Prepayment options without penalty 

Short term

Appropriate if you believe interest rates will be lower at renewal time

Long term

Suitable if you want the security of budgeting for the future

Fixed rate

Allows you to budget precisely for the term of the mortgage

Variable rate

Fluctuates with the market