Why a Mortgage Broker?

Best rates available

Mortgage brokers provide mortgages from various lenders. A mortgage broker has direct electronic access to virtually every major lender in Canada and can show you a wide range of rates and features. They study rates daily and always know where to find the most competitive ones. Plus they can negotiate with lenders to ensure you're getting the best available deal.

Specialized knowledge

As specialists, mortgage brokers have a thorough understanding of all available products, features and rates. And they can explain everything to you so you know exactly what you're getting into.

Secure, established lenders

Mortgage brokers deal with the same reputable, established Canadian financial institutions you're used to. Plus, they have access to broker-only lenders who offer even more attractive rates and features.

What is a MORTGAGE BROKER?

A trained professional with a wealth of knowledge and experience to find the mortgage that best suits your needs, at the best rate available, from a large selection of lenders that include most major banks, trust companies, credit unions. A mortgage broker works for you, not for the lender. Many financial institutions pay finders fees to mortgage brokers who refer business to them making it possible for you to get the best mortgage product.

Finding the right house is only half the battle, you also need to find the right mortgage loan. Just as no two houses are alike, no two mortgage loans are alike either. Interest rates and repayment terms are only the beginning. We are specialized in matching homebuyers with the right mortgages. We’re committed to provide the highest quality service available anywhere. Contact us today to learn more about how we can help you buy your new home.

We offer various Mortgage Products:

- APPROVALS & PRE - APPROVALS

- NO DOWNPAYMENT MORTGAGE
- UP TO 40 YEARS AMORTIZATION
- 1st, 2nd & 3rd MORTGAGES
- SELF EMPLOYED & BUSINESS FOR SELF

- REFINANCE & DEBT CONSOLIDATIONS
- BAD CREDIT & NO CREDIT (bankruptcies ok)
- NEW IMMIGRANTS & WORK VISA APPLICANTS
- INVESTMENT PROPERTIES (rentals)

Debt Consolidation

A Debt Consolidation loan is a personal loan that allows you to consolidate many other debts into one.

For example, if you have three credit cards, you may be able to eliminate your credit card debt by getting a Debt Consolidation loan to pay off the credit cards, so that you only have one payment each month instead of three.

The advantages of a Debt Consolidation loan are:

1. Your Debt Consolidation loan may have a lower interest rate than the rate you are paying on credit cards, so the loan should reduce your interest payments and help you eliminate your credit card debt, eventually.

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Improving your credit score

Improving your credit score can save you money!

Your credit score is a very important number that lenders use in order to determine whether or not to extend credit to you, and what the interest rate and terms of the credit or loan are. The lower your score, the less likely you will be approved for loans. If you are approved, you may have to pay a high interest rate. Your credit score is broken down into five categories:

             •    Payment History – 35%
             •    Total Amounts Owed – 30%
             •    Length of Credit History – 15%
             •    New Credit – 10%
             •    Type of Credit in Use – 10%

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Mortgage Glossary

Are there terms you don't understand (terms like "Amortization" or "Conventional Mortgage" or "Variable Rate")? Maybe you heard something about Mortgages that you don't know what it means? Find a complete list of Mortgage Terms explained HERE.

Apply for a Mortgage

mortgage application Fill out our online Application Forms. We will contact you to discuss your application, answer any questions you might have, and explain the next steps after your approval.