We proudly extend our services to a wide array of individuals:
- First-time buyers
- Newlyweds
- Nurses
- Emergency responders
- Lawyers
- Small business owners
- Doctors
- Bank employees
- Police officers
- IT and tech specialists
- Contractors
* Our commitment knows no bounds; we're here to serve everyone.
Exceptional Lawyers
My closing
My closing, is a team comprises seasoned professional lawyers who boast unparalleled expertise in every facet of the real estate industry. Not only can you rely on them for your mortgage transaction, but they also stand as some of the nation's foremost experts, with decades of proven experience.
there Executive leadership team consists of industry veterans, deeply rooted in knowledge and innovation. They have been instrumental in pioneering title insurance and legal processing outsourcing for financial institutions across Canada. With their wealth of experience, you can trust that your real estate affairs are in the most capable hands."
I've just bought a home! Now, I need a mortgage, and fast!
Get qualified in less than 6 hours!
Whether you have 20% down or just 5%, We'll secure you the best mortgage rates.
Here's what you need to know: In Ontario, with decent credit, you can buy a house With as little as 5% down, excluding income properties.
You can purchase your primary residence, A second home for a relative, a place for your kids, A cottage, and more, all with just 5% down.
Here's the breakdown:
- 5% down for homes valued up to $500K
- 10% down for amounts over $500K
- 20% down for properties over $1 million
For instance, if you're buying a home for $800,000, You'll need 5% on the first $500,000 ($25,000), And then 10% of the additional $300,000 ($30,000), Totaling $55,000 down.
Remember, purchasing with less than 20% down Will necessitate mortgage default insurance (CMHC).
Determining if you qualify is simple:
Complete our online application. Once received, we'll confirm its receipt, And within 2-6 business hours, we'll inform you Of your qualification amount and extend One of the finest mortgage rates available. It's that straightforward!
Renewal: Absolutely! You deserve a better rate!
We strongly recommend reaching out to us 90 days before your renewal date. Ideally, start the process 3 to 4 weeks ahead for a stress-free experience.
If your renewal is approaching in less than 30 days, fret not! We can still assist, but it's crucial to kick off the process immediately. And remember, this service is entirely free for qualified borrowers.
The reason why we can often secure better rates for you than the bank is because banks often engage in what we call 'the rate game.' They advertise 'posted rates' that are significantly higher than market rates. Then, they offer you a discount off the posted rate to bring it down to the market rate.
Who doesn't love a discount, right? However, the truth is that the market rate is simply the going rate and isn't truly a discount at all; it's a rate you can find anywhere. Banks are experts at making money, which is evident from their towering buildings in every city. We, on the other hand, don't play the rate game. Our one rule is to secure the best rate for our clients.
As we work with numerous mortgage lenders, we are continually scouting for those offering the lowest rates. We make them compete for YOUR business! Market rates are not satisfactory to us, and they shouldn't be acceptable to you either.
Our focus is on saving you money on your mortgage, money that's better off staying in your pocket rather than going to your bank.
Looking for cash and own your house?
Refinance
There are numerous reasons why people choose to refinance their homes. When the time comes to leverage the equity in your house for worthwhile purposes or necessities, we're here to make the process as smooth as possible for you. We aim to offer you an Exceptional Mortgage Experience Unlike Anyother
What do you need the money for?
- University or education fees
- Business opportunities
- Investments
- Renovations
- Debt consolidation
- Family illness
- Financial planning
- Divorce settlement