Services

Expert mortgage services in Toronto

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Pre approvals
Pre approvals
Pre-Approvals

Need a pre-approval before you go house hunting?

Find out how much you can afford before you go house hunting with our home loan pre-approvals! This will keep you focused on shopping for homes within your price range and make more informed decisions on what will work best for you. We fully underwrite your file upfront to determine the maximum mortgage you will qualify for, giving you the confidence to make an offer with no surprises. We don’t cut any corners and would not put our clients at risk of making an offer on a property they won’t qualify for, subject to the lender’s property valuation. Contact us to have us walk you through the mortgage pre-approval steps today.

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First Time Homebuyers

Looking for your first home?

Buying a home is an exciting time! You're about to take a big step, so you'll need some advice from a mortgage professional about a first-time home buyer mortgage.

We will provide you with 10 steps from start to furnish so you will know what to expect every step of the way, from the day we do your mortgage pre-approval, to your closing day and eventually your mortgage burning day, we’ll be your partner on how to buy your first home in Toronto.

With access to multiple mortgage lenders, we'll help you find the best mortgage options to help you buy your dream home.

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Woman using a laptop
Woman using a laptop
Self Employed

Small and medium-sized businesses are the engine of the Canadian economy

Small and medium-sized businesses are the engine of the Canadian economy.

When it comes to mortgages, it hasn't always paid to be self-employed — because reducing your taxable income can make it difficult to qualify for the mortgage you deserve. We understand business owners because we're business owners, too.

What's better is that we have a long list of institutional and private mortgage lenders that offer excellent mortgage options for self-employed Canadians. These lenders in Canada understand that self-employed individuals have tax write-offs creating significant reductions in their declared income. With these mortgage lenders, you will not be required to provide tax documents, and a reasonable estimate of your annual income will be acceptable.

Having multiple mortgage lenders compete for your business is a great way to ensure you get the best-fit product to meet your financial goals. We deal with multiple mortgage lending institutions, including major banks, credit unions, trusts, and other national and regional lenders, which means we can put significant negotiating power behind finding the best mortgage that is tailored to your needs.

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Investors

We have the guide to help you start and grow your investment portfolio

We know real estate investors because we also invest in real estate. If you're considering growing a real estate portfolio — it is crucial that you have a lending strategy that allows you to get to the next level, all under the guidance of an experienced mortgage advisor.

Understanding which mortgage advisors to go to first in the early stages of building a real estate portfolio is the key to maximizing lender options to grow beyond the “financing wall.” We are the experts in helping investors grow their portfolios.

Ask us about our strategic blueprint approach, and contact us today to get paired with a mortgage advisor who cares about your financial success.

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Vacation Homes
Vacation Homes
Vacation Homes

Who doesn't want a vacation property?

Maybe you use it as a family retreat for part of the year and rent it out to help manage the debt, we can help you. There are many Canadians jumping at the chance to own a recreational property. No longer just perceived as a welcome retreat from the city, a second home is now viewed as a solid financial investment with the added value of a potential retirement property.

Purchase Plus Improvement
Purchase Plus Improvement

Most mortgage professionals do not understand or even offer PPI

When you purchase a home that requires some immediate upgrades, PPI allows you to add the improvements to the mortgage. This is a great option for primary residences or if you want to convert a single-family home to a legal duplex. Most mortgage brokers offer this program. Here are some details:

  • A contractor quote would be required at the time the application is submitted to the mortgage lender
  • Maximum $60k in upgrades (may be higher upon exception)
  • Cannot include appliances
  • You must fund the upgrades yourself. However, you will be refunded after completion, usually within 120 days of your closing date. An appraiser will confirm the work has been completed as indicated on the contractor's quote
  • If you put down 10%, you would get back 90% of the upgrades up to $60K

*Some conditions may apply

Purchase Plus Improvement
Reverse Mortgage
Reverse Mortgage
Reverse Mortgage

Are you 55+, have equity in your property, but find that your income does not support your financial needs?

A reverse mortgage may be a good option for you to stay in your home and take out equity tax-free in monthly or quarterly installments or even a tax-free lump sum withdrawal with no payments until you sell your home.

Consolidate Debt
Consolidate Debt

Use Your Home Equity to Reduce High Interest Debt

Many Canadians are taking advantage of refinancing some of the equity in their mortgage to reduce higher interest-rate mortgage debt. One important part of a financing strategy is knowing "good debt" from "bad debt." A well-planned mortgage can help you turn those bad mortgage debts into good debts and get them out of the way.

  1. Consolidate high-interest rate credit cards to one lower rate
  2. Save money and increase cash flow
  3. Reduce stress knowing that your financial situation is now manageable

If you'd like to have a conversation about refinancing your debt, give us a call today to review your options. It's time to beat the banks and secure your financial stability!

Consolidate Debt
Mortgage Portability
Mortgage Portability
Mortgage Portability

Benefits of Mortgage Portability

Are you considering a move? What are the benefits of mortgage portability? It's wise to begin by talking with a mortgage broker. You're about to take a big step — you'll want some advice from an expert. Begin with a conversation with a mortgage advisor to get started on the right foot.

With access to multiple mortgage lenders, we'll help you find the best rates and best mortgage options to help you buy your dream home.

Renewing Your Mortgage
Renewing Your Mortgage

Congratulations on your maturing mortgage...now let us help you renew into a better fit mortgage

If your mortgage renewal is fast approaching, then you’ll soon be at an important financial milestone. Now's a great time to look at the many innovative options and competitive rates available. Lenders send out renewal forms just before renewal dates to those with good payment histories, with about 70% of homeowners sending them back without asking any questions. In today’s hectic world, that can be the easiest and best route, but you should ask yourself some questions before you sign on the dotted line. This could be an important moment of opportunity.

Maybe your mortgage needs have changed. This is the time to decide. For example, you may want to consolidate high-interest debt with your mortgage, or you may want to tap into some of your home equity for a renovation project. Or maybe you are reconsidering a cottage or vacation property. Are you confident you will get the best rate at mortgage renewal?

Having multiple mortgage lenders compete for your business is a great way to ensure you get the best rate for your situation. We deal with multiple lending institutions, including major banks, credit unions, trusts, and other national and regional lenders, which means we can put significant negotiating power behind finding the best mortgage to fit your specific situation.

Renewing Your Mortgage
Bruised Credit
Bruised Credit
Bruised Credit

A bad credit rating can be gut-wrenching and humiliating ... we have options!

Sometimes, things get out of control, and life happens. We see all kinds of credit ratings every day, and we have the strategies to help improve and even heal damaged credit. You may be surprised to know that you can still obtain a mortgage. Whether you've had a bankruptcy or your credit is only slightly bruised, you can obtain financing.

As mortgage professionals, we have access to non-traditional mortgage lenders who offer financing solutions to individuals who have some credit challenges that cannot be addressed by the major financial institutions. Together we can quickly assess your situation and decide on the best way to move forward. The worst you can do is nothing.

Commercial Mortgages
Commercial Financing

Looking for commercial property financing?

If you're looking for commercial property and require financing, our team can help!

Our expertise covers a very diverse range of real estate commercial development, including high-rise residential, shopping centres, multi-family housing, office spaces, industrial, and land.

By working closely with you or your group, we first learn about your unique commercial mortgage financing needs and then strategically find suitable mortgage brokers for your specific transaction.

We know how to present your transaction to smartly capture a lender’s attention and deliver the best available loan structure and interest rate.

Our commercial rates are extremely competitive for bank-approved applicants. For applicants who might have tougher qualification criteria, we'll work closely with your unique mortgage situation to ensure you always end up with the best financing options available.

Commercial Mortgages
Renovation Financing
Renovation Financing
Renovation Financing

Sometimes, the house of your dreams is the one you're already living in.

Maybe it just needs some new landscaping, an extra wing for your growing family, an expanded kitchen, or a swimming pool in the backyard! A record number of Canadians have taken advantage of the historic low mortgage rates and rising real estate values and have tapped into their home equity through equity take-outs. There's never been a better time to access the extra funds that can help bring your home to that next level of comfort. Consider accessing the cash you need for the renovations and improvements you've been dreaming about!

Did you know?

Our success is built on sharing industry secrets

Some banks, when calculating the Interest Rate Differential penalty for the same mortgage will use their posted rate, while other lenders will use their best discounted rate. The difference in penalty could save you thousands.

We have access to interest rates the banks don't want you to know are available, which in turn can save you thousands

Still need some help?

Book a consultation with us