Negotiating your own mortgage can be daunting and a whole lot of work. Why go it alone when you don’t have to? Put the power of a licensed mortgage professional to work for you. We are in your corner; here to work for you, not the branch.

Our proven lender relationships give us negotiating power; this translates to best rates and mortgage products to suit. Our education and real-time market knowledge will ease stress, save you time, and save you money.

Your mortgage is linked to the largest financial investment you are likely to make. Ensure you have an impartial expert by your side!

Booking a call is your first step!

Let’s Get to Know Each Other!

 About

Mortgage Calculators

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Or maybe you just want to chat strategy - that's great too! We always enjoy hearing from you and are here to provide the answers and support you need. Let us know how we can be of service!

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We have continued to evolve, grow, and innovate since our humble beginnings in 1994. In the spirit of our continued commitment to our evolution, we are thrilled to announce a new and differentiated brand identity - complete with new name, symbol, logo and font(s). Our new brand identity will set us apart in the minds of the Canadian mortgage borrower, mortgage agent/broker, our industry partners, and competitors.
The new brand better reflects our value proposition within the Canadian lending landscape: to provide independent mortgage advice and mortgage financing options to Canadian consumers; through our team of trusted, expert, licensed mortgage professionals who value the distinctive needs/goals of each client - providing tailored financing solutions based on these individual needs.


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Use the calculators and find the perfect fit mortgage for you.

Want to crunch the numbers?

Your mortgage should speak to your individual situation, needs, and financial goals. Our goal is to provide you with options. Whether you want to purchase a new home, refinance an existing mortgage or looking for advice – we are here to make it easy!

We fund billions of dollars in mortgages each year so we have the negotiating power to bring you both the best rates and mortgage products available. We have access to a vast array of lending options. In fact, we shop our rates and products from all the major lending institutions including chartered banks, trust companies, credit unions and many private Canadian lenders.

You Deserve a Personalized Mortgage Plan!

Where can you find us?

Ready to buy? Let’s get you Pre-Approved! Lock in your rate and shop with confidence!

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Purchase

Preparing to purchase your first home? Stepping into the world of home-ownership for the first-time is an exciting and rewarding time. It can also be overwhelming and confusing; there are many things to consider. The great news is that we’ve helped thousands of home-owners with their mortgage needs. We’re here to walk you through the entire process! We are mortgage pro’s!

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First Time Home Buyer(s)

Don’t simply ‘sign back’ your mortgage renewal offer from your existing lender. Don’t assume you will be offered the best available rate (this is often not the case). Let us take a look at your renewal offer to determine if it’s worth staying with your existing lender or if it’s time to make a switch. Ensure you are in the best mortgage product at a great rate!

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Mortgage Renewals

Looking to get out of a high rate mortgage? Need access to your available equity? A mortgage refinance is an opportunity to reduce your rate and/or unlock equity. Whether it’s for debt-consolidation, a sought after renovation, or an investment opportunity; we’ll get you the money you need, at the best available rate!

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Mortgage Refinancing

Are you coming back from a life event that affected your credit? Looking to improve your current situation? We have mortgage lenders who will consider bruised credit (for your right-now solution) and/or work with you to start improving your credit for the best mortgage rate in the future!

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Credit Improvement

Retiring shouldn’t mean having to sell your home or adding additional debt to make staying in your home possible. We have access to reverse mortgage options which allow Canadians a safe and secure way to access up to 55% of the value of their home. If you are 55+ this may be your path to freedom and the opportunity to enjoy your best life! Contact us for more information on how to put this to work for you and/or a loved one!

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Reverse Mortgages

Do you need to dissolve ties with your ex (or soon to be) ex-spouse? Are one of you looking to stay in the “matrimonial home”? The Spousal Buyout is available for those who are in the process of a legal separation where public/assets/property are being divided. This mortgage allows for one of the  jointly titled homeowners to buy the other out (includes common-law partners); allowing you to move forward with life. Separation is hard enough, let us help alleviate some of the stress.

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Spousal Buyout

Have you immigrated or relocated to Canada within the last 5 years? Do you have a valid work permit or permanent residency? If you have answered yes to both these questions you can own a home for as little as 5% down payment. Contact us for more details – we’d love to help make your dreams of owning a home in Canada a reality!

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New To Canada

Are you looking to undertake the construction of a custom-built home, investment or vacation property? Construction loans are available. While they are common, they are not your usual mortgage. Put our expertise to work for you!

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Construction Mortgage

Mortgage Process

Our secure online application will take approximately 5 minutes to complete. Please provide as much detail as possible - this will help us process your application quickly and place you with the best lender possible.



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Pre-Approval / Application

Once your application is received you will be contacted to review your application details and discuss your needs/specific goals. We will then prepare and send your application to one or more of our lenders for a rate hold (if you are looking for a new home/additional property) or approval (if you already own or have an accepted offer on a property).



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Processing

Once your loan application is approved, you will be sent a Mortgage Commitment. You will be required to sign and return this and any other requested documentation. Once these final documents have been approved (by the lender) your loan will be ready to be instructed to your lawyers office



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Acceptance

Your mortgage is now ready to be registered. This is done through an appointment with your lawyer or facilitating company ie FCT/FNF (we will advise of your options in advance). Your final mortgage documents will be signed at this time. The mortgage funds are then forwarded to the seller (purchase) or to a lender (existing mortgages - refinance, renewal, switch/transfer).



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Funding / Your Closing Appointment

The funding of your mortgage doesn’t mean our job is done. We are with you for the life of your mortgage - including reviewing your mortgage when your term comes to its end; refinancing your existing mortgage or assisting with the purchase of additional properties; right on through to the moment you become mortgage free! We are here to support you - no matter what life throws at you.

