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Mortgage Policy Changes

February 23, 2010 - New Changes and Current Rates

Testimonials

“We just wanted to thank you for all your efforts and your good advice! Regardless of how things will turn out at the end, Ivo and I can’t tell you how much we appreciate the efforts, honesty and good advice we got from you! ”

-The Tutevs

Products & Services.

We know our business, so you don’t have to.

Finding the right mortgage can be an incredibly complex and time consuming process. We offer a wide range of mortgage solutions to give you the best terms and conditions. Our service enables us to tailor our approach to suit your unique needs and goals.

Fill out your application to get a free, no obligation quote today.

Pre-Approvals

A pre-approval will give you the confidence of knowing how much mortgage you qualify for. A pre-approval will hold a rate for up to 120 days thus protecting you from any sudden rate increase.

Cash Back Mortgages

Provides up to 5% of the mortgage amount at closing to perhaps pay for moving expenses, lawyer fees or new furniture.

1 - 10 Year Fixed Rate Mortgage

Offers one low rate for the term of the mortgage.

Adjustable/Variable Rate Mortgages

Offers an interest rate based on the bank prime lending rate and provides the opportunity to lock in at the best fixed rates any time.

Second Home Purchases

Qualified borrowers may now be eligible to purchase a second home or vacation property for as little as 5% down. Certain property and location guidelines apply.

Free Down Payment/Flex-Down

Lender will provide the down payment, or the down payment can be borrowed. Credit conditions apply. Please contact us for details.

Self Employed/Stated Income

Income based on a common sense approach providing flexible mortgage solutions for self-employed individuals. 95% LTV CMHC insured or 80% LTV conventional mortgages available.

New to Canada Mortgage Insurance Program

Recently immigrated or relocated individuals can qualify with as little as 5% down.

Line of Credit

Offers total flexibility for the client. Up to 80% LTV.

All-in-one Account

Operate all of your bank accounts and credit facilities in one convenient account.

STEP/Matrix Mortgage

Allows clients to have a mortgage and line of credit secured with their property under one registration. As the mortgage is paid down it provides available credit on the revolving line.

Purchase + Improvements

Renovations to the property can be added to the mortgage. Certain conditions apply.

Revenue Property

Purchase a revenue property with as little as 5% down.

Progress Advance/Construction Mortgage

For clients that are building a new property and require funds throughout the building process.

Commercial Mortgages

Note: Extended amortizations are available on many of our products. If a certain product you are looking for is not indicated above, please do not hesitate to contact us as we are not restricted to those listed.