Mortgage

As a mortgage broker, I work for you. I don’t work for any one bank – I work for you! You will have access to over 65 banks, credit unions and trust companies and interest rates the banks don’t want you to know about! Due to the volume of business we provide lenders always offer our team the deepest discounts which are passed on to you immediately – whether you are purchasing, refinancing or renewing.

I will walk you through the process of getting a mortgage, step by step, especially if you are a first time home buyer.

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  • Purchases

  • Investment property

  • Renewing or refinancing

  • Pre-Approvals

  • Private Mortgages

  • Construction Mortgages

  • 2nd Mortgages

  • Vacation Homes

  • Secured Loans

  • Lines of Credit

  • Unsecured Loans

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.