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We believe every client deserves the best mortgage service
- I can assist you with…
- Residential Mortgages
- Pre-approvals
- Refinances
- Switch ins from another institution
- New Immigrant Owner Occupied Mortgage
- Self Employed Mortgage Options
A mortgage should never be a choice a lender makes for you. You need to express yourself in ways that better help you achieve mortgage stability and quick mortgage free options. Before you decide to buy or plan to make changes to your personal mortgage. See us first for a “pre-approval” or a “second mortgage opinion” from another financial institution. Knowing that you could do it yourself would it not be peace of mind that you’re backed up by a professional that is part of your team. Our Success is Build on: Trust, Reliability, Convenience, Experience, and Industry Standards Know How.
First Time or Existing Home Buyer
Whether you’re buying your first home or have the experience of home ownership. Sit with us one on one to discuss mortgage scenarios that will keep you in tune with todays mortgage options. With current changes in todays mortgage requirements you will need the in’s and out’s that are cost effective.
Read moreResidential or Commercial Mortgages
Today many lenders have many hurdles that require lots of personal paperwork from you.Listening and putting ourselves in your shoes to understand your mortgage request make it seamless. We pride ourselves in being business minded and knowledgable with over 15 years of mortgage experience.
Read moreRefinance, Switch ins, Self Employed & New Immigrant Owner Occupied Options
Free yourself from high interest rates/terms upon mortgage renewals, debt liabilities or loans to achieve your renovation and investment goals. Being new to Canada or Self Employed you need a professional mortgage planner that understands home ownership.
Read moreMORTGAGE RATES: January 02, 2020
Current Variable Mortgage Rate is 2.90%
Current Prime Rate is 3.95%
| TERMS | BANK RATE* | OUR RATE* |
|---|---|---|
| Variable Rate Closed | 3.95% | 2.90% |
| 1 Year Closed | 3.59% | 3.19% |
| 2 Year Closed | 3.74% | 3.14% |
| 3 Year Closed | 3.89% | 2.74% |
| 4 Year Closed | 3.94% | 2.99% |
| 5 Year Closed | 5.19% | 2.74% ** |
| 5 Year Closed | 5.19% | 2.89% *** |
New Rules for January 2018
Home buyers with a down payment of 20% or more will now be subject to stricter qualifying criteria (also known as a “stress test”) that would determine whether a homebuyer would be able to afford their principal and interest payments should interest rates increase. This stress test would use either the 5-year benchmark rate published by the Bank of Canada or the customer’s mortgage interest rate plus 2%, whichever is the higher.
We believe that every client deserves the best mortgage service
