Definitions
PURCHASES
From first time buyers to seasoned investors our team is here to navigate the options and products available to save you time and money. We offer solutions for the self employed client and options for clients with bruised or no credit.
REFINANCING
A great option if you are looking to consolidate debt to increase cash flow. Or to take advantage of the low cost of borrowing and use the equity in your home for investments purposes.
SECOND HOMES
You can still purchase a 2nd home or cottage with as little as 5% down. A 2nd home is a residence where immediate family resides on a rent free basis.
CONSTRUCTION LOANS
We can provide you the financing you need to build your dream home, from land purchase to construction draws to take out mortgages, we will guide you through the process.
RENEWALS
Before you sign that renewal form be sure to have a look at your options and shop around. At renewal it is time for a mortgage check up to see if your financial situation has changed, if you plan on moving within the next couple of years or if you plan on doing any improvements to the home.
LINE OF CREDIT (HELOC)
This is a secured line of credit against your home where you can access equity as needed, a fully open product with maximum flexibility.
SECOND MORTGAGES
Registered in second position against the property and the funds can be used for debt consolidation, home renovations or to pay off judgements or collections.
COMMERCIAL LOANS
For clients purchasing or refinancing commercial real estate: Multi Unit residential, industrial, office, commercial or retail.