Services

Loan Options

Finding a great home loan involves careful consideration of your needs, finances and history. We are here to guide you.

Affordability Analysis (Fundability)

Whether you’re a first-time homebuyer or a seasoned real estate investor, it’s important to do the math to see how much ‘house’ you can afford before you start property-hunting.

Adopt My Mortgage

Even if you didn’t secure your mortgage through us, we can monitor the market and notify you when better terms, rates, and opportunities become available in the future!

Bridge Loans

Have you found your dream home, but your current home hasn’t sold yet?
A bridge loan may be the solution for you.

Cash-back Mortgages

With a cash-back mortgage, you can receive between 1% and 7% of your home’s value in a lump sum amount when the mortgage closes.
This can help with planned or unplanned expenses after you purchase your new home.

First-Time Home Buyer

Are you ready to buy your first home?
We can walk you through the different grants, incentives, and programs available to assist you on your path to home ownership.

Home Equity Line of Credit

If you need money to cover upcoming expenses, such as renovations, medical bills, or any other major purchase, using your home’s equity is one of the most affordable ways to borrow the money you need.

Multi-family residential loans (4 units or less)

Start (or continue) your landlord journey by purchasing a duplex, a triplex, or a fourplex. We’re here to help!

Multi-family residential loans (5 units or more)

If you’re looking for increased cash flow and a fast-growing real estate portfolio, consider adding a multi-family property to your inventory!

Military / DND Mortgages

We are grateful for your service to our country.
Allow us to serve you by helping you secure the most competitive mortgage option for your needs!

New Construction Loans

If you’re thinking about building your dream home from the ground up, or looking to build a multi-unit property, a new construction loan may be the right product for you.

Purchase

Are you ready to buy a new property? Have you already found your dream home?
Don’t know where to start? We’re here to help!

Pre-approval

When you’re ready to start looking for a home, a mortgage pre-approval gives you a clear idea of how much you can borrow based on your credit report and the information you provide.

Pre-qualification

This is a quick way to get a first look at what you can afford if you’re interested in purchasing a home in the future without conducting a thorough analysis of your financial situation or a hard credit check.

Purchase Plus Improvements Mortgage

You found your dream home, but there’s one problem: it needs some TLC (renovations /repairs) before it meets your needs.
With a Purchase Plus Improvements Mortgage, you can secure a mortgage and include the renovation costs, sometimes with as little as 5% down!

Refinancing

Need some money for an unexpected expense? Or do you simply want to secure a better interest rate? Then refinancing is for you!

Renewals

Your term is nearing its maturity date. It’s time to renew! Are you being offered the best rates and terms?? Let us locate the best renewal option for you.

Renovation Loans

Do you want to add a swimming pool or a garage to your home? Or maybe you’re looking towards larger renovation projects, such as finishing your basement, replacing your roof, or a kitchen remodel.
If you don’t have enough savings for your project, how will you pay for it?
We can help you find the ideal home renovation loan.

Self-Employed Mortgages

Do you own your own business? Are you self-employed? Do you have irregular or seasonal income? This may be the ideal solution for you on your path to home ownership.

Spousal Buyout Mortgage

Are you getting divorced?
Is this the end of your common-law arrangement, marriage, or relationship? What happens to your mortgage?
We can answer that question, and provide solutions.

Second Opinion

Don’t sign that mortgage agreement yet! Whether it’s for a new purchase, a renewal, or refinancing.
Our Second Opinion service offers a free, no-obligation, no-credit pull analysis of your file, even if you’ve been approved elsewhere.
We review and compare rates, fees, services, and other pieces of the financial puzzle to ensure they are in line with your long-term financial objectives.

Transfer (or port) your mortgage

When you move (like when you buy a new home), you might want to bring your mortgage with you. The process of “porting” allows you to keep the same mortgage conditions with your current lender.
We can help you with this.

Vacation/Second Homes

Are you ready to buy a second property closer to the office to cut down on your daily commute? Or perhaps to buy that cottage near the lake for fun family getaways?

Commercial Mortgages

Are you ready to grow your business by either buying or refinancing a commercial property? We’ll work with you to sort out the details, and help you secure financing.

Land: Residential, Commercial, or Industrial

Have you found the ideal piece of land for your plans and future projects?
We can help you navigate the complexities of securing a land mortgage.

Multi-unit construction Loans

The ideal solution for real estate developers and investors looking to build multi-family properties.

Seniors Housing

If you’re an experienced investor or developer interested in the senior housing industry, let us work with you to find solutions specifically designed for the acquisition or refinance of properties designated and built as seniors housing properties.

Semi-commercial / Mixed-use properties

“It is crucial to choose the right type of mortgage for your semi-commercial, mixed-use property.
We can assist you in finding the optimal solution.”

Alternative / Non-Traditional Loans

“Rejected by the Big Banks?
Alternative lenders, also known as B lenders, are becoming increasingly mainstream. An alternative lender might be the ideal option for you if you don’t fit the large banks’ lending requirements.”

Affluent / High Net Worth

Mortgages for borrowers with insufficient qualifying income yet significant liquid assets. This program can be used to both buy and refinance a home. Rental, vacation, and owner-occupied properties are all acceptable.

Business Loans / Financing

“Are you hoping to you get your new company off the ground? Or to propel your established business to new heights of growth and profitability?
We can help you secure funding!”

Bad Credit Mortgages

“Rejected by the Big Banks?
Have you been turned away by your bank, because of poor or bad credit? That doesn’t mean the end of your home buying journey, and it also shouldn’t dash your dreams of home ownership.

Borrowed Down Payment

“Don’t have the 5% down payment saved up?
Don’t worry. We can help you look at options to borrow your down payment.”

Debt Consolidation

“Are you struggling with high-interest debt, such as credit cards and personal loans?
As a homeowner, you can take advantage of your home’s equity to pay off some or all of your high-interest debts.”

Equity Purchases & Refinancing

Do you need some money to cover unanticipated expenses? You can borrow money against the equity in your home.

Investment Property Loans

If you’re thinking of purchasing or refinancing an investment property, from a single-family residence to a multi-unit building, we can help you work through the details and find the optimal solution for your needs.

Medical Professional Lending Solutions

Are you fresh out of medical school?
Are you a resident, a fellow, an existing or newly licensed medical doctor, physician, surgeon, dentist, or licensed medical professional?
We can help you on your path to home ownership.

New to Canada Solutions

If you’re a newcomer to Canada and want to buy a house, you can face challenges while you attempt to figure out the requirements for a mortgage. Let us assist you in learning about all the fantastic options at your disposal.

Private Lending / Custom Solutions

If your file does not meet the criteria of conventional banks, we can assist by offering a wide selection of private mortgage products that may align with your needs.

Second Mortgages

“Do you need money for an upcoming planned or unplanned expense?
If you already have a mortgage, you might be eligible to apply for a second mortgage to borrow more money against your house.”

Stated Income Lending

This is for small business owners and self-employed borrowers hoping to qualify for a mortgage without relying on the standard documentation usually required by traditional lenders.

Have Questions?

Book a consultation today!