Mortgage Products
It is my job as a mortgage broker to ensure that you not only get low interest rates, but to also ensure the mortgage product fits your specific needs. Let’s go through which situation you’re currently in and the products that fit those situations!
Purchasing?
Are you a first time home buyer? Or perhaps you’re moving from a starter home into a bigger home? Wherever you are in the purchase cycle, together you and I will review the process. Every purchase transaction is unique, and requires an approach that is mindful of how important this purchase is to you and your family.
Renewal - Switch - Transfer
You’re well into your mortgage. You’re either in your first, second, third or even your fourth term. During a switch or renewal discussion, we will work together to assess where you are now and where you want to be in the medium and long term to ensure all of your intrinsic goals are met or exceeded.
Refinancing?
Do you need to reshuffle your finances? Payout some debt? Invest in other ventures? Plan for your retirement? Renovate and improve your home? Refinancing allows you to access the equity you’ve built within your home to make impactful changes in your life currently and for your future.
Home Equity Line Of Credit (HELOC)
Is your home paid off? Does it have substantial equity in it? Unlock the power of the equity in your asset by offering yourself freedom, flexibility, and lower costs. If set up properly, a HELOC is a unique tool that can help you not only Master Your Mortgage, but master your finances as well!
Mortgage Programs
It is my job as a mortgage broker to ensure that you not only get low interest rates, but to also ensure the mortgage product fits your specific needs. Let’s go through which situation you’re currently in and the products that fit those situations!
Home Buyer 95
Is this your first, 2nd or 3rd home? This program is designed to allow you to purchase your new home with the minimum down payment required of 5% on purchases up to $500,000.
New to Canada
Welcome to the land of the North! This program allows homebuyers to purchase with as little as 5% down, if you’ve relocated to Canada within the last 5 years.
Borrowed Down Payment
Do you have excellent credit, but you’ve been unable to save a down payment? This programs allows you to purchase with a down payment that is borrowed from a credit card, line of credit or traditional bank loan.
Purchase Plus Improvements
You’ve found the perfect house. The lot is large, neighborhood is mature, it’s your dream house. The only problem is, it needs work! No problem! This is exactly what this program is for. Purchase Plus, allows the homebuyer to purchase that dream home AND do improvements.
Family Plan
Do you have adult children or aging parents who have excellent credit, but perhaps not enough income to qualify on their own? The family plan program will allow you to help your immediate family member purchase a property where income guidelines can’t be met on their own.
Business for Self
The entrepreneurial spirit is alive and well in Canada, and this shouldn’t have an impact on your ability to purchase a home. This program is designed to assist entrepreneurs in home ownership, when you are unable to provide traditional income documentation.
Draw Construction Financing
This program allows residential builders and home buyer’s to fund the new home build process with a mortgage specifically designed to fund the cost of the build during the various stages of construction.
Vacation Home Purchase
You’ve purchased your primary residence, but now you’re thinking you might want a summer vacation property. No problem! This program is designed for you to purchase that vacation home with as little as 5% down!
Investment Property
You’ve purchased your primary residence and the vacation property, and now you’re thinking you’d like to diversify your investment portfolio with a rental. This program is designed for the investor client in mind with a minimum down payment of 20%.