Programs, rebates, incentives, and loans for first time buyers can be tricky to navigate!  They also have many different ways of deciding if you  are a first time buyer depending on the program. Make sure you’re making the best possible decisions for your situation and getting the right advice.

Refinancing your mortgage means you are paying out your existing mortgage and replacing it with a new product.  You can do this to secure a lower rate, extract equity for investment or purchase, finance renovations, or debt consolidation. For various reasons, refinancing can be a great option for many homeowners.

Renewal is finding a new mortgage at maturity. A switch moves your mortgage to another lender. Both happen without adding new funds.  You may want access better rates or a different term. There may be a penalty to break your existing mortgage but savings, rate type, or product features can outweigh the penalty. 

Do you have children or siblings who are self employed that can’t show their full income in traditional ways?  You can help them buy a home using special “Family Plan Purchase” programs.  If you think these programs might be for you, let’s talk about next steps!

Want to help children or grandchildren purchase a home?  We have options that can help you gift them the equity in your home now – while you can watch them start their home ownership journey!  Talk to us today about how this can help you gift inheritance early.

Sole proprietorship, partnership, or corporation we know the challenges you face.  Our lenders focus on understanding unique situations of self-employed individuals who take steps to minimize their tax burdens or who have focussed on retaining business earnings to finance business growth.  While you take care of your business, we’ll take care of your mortgage!

Permanent Resident, Non-Resident, or a Temporary Resident on work visa, we work with lenders who look forward to helping you purchase a property in Canada.  Non-traditional credit verification, specialized income verification, and other options are available.  Your dream of home ownership doesn’t have to wait until you are a citizen – call me today!

A HELOC allows you access equity and is secured by your home and you only pay interest on the balance. HELOCs can be ideal for securing down payments for rental purchases, providing you access to equity for emergencies, or even for investing.

If you are 55 or older, Reverse Mortgages provide many options.  If you are still paying a mortgage payment and your budget is feeling the burden, we have options to eliminate that payment.  If your retirement income isn’t what you hoped it would be, a reverse mortgage can augment your income. 

Don't qualify for a Reverse Mortgage or for enough to pay off existing mortgage or debts?  Maybe you’re off work for surgery, illness, or parental leave feeling an income pinch? A no payment equity mortgage might be right for you.  Let’s review your situation to see if we can end the stress on your budget from reduced retirement income or temporary changes.

If you are looking to start or grow your real estate investment portfolio there are many options open to you.  We have lenders who cater to these investment strategies and there are many ways to begin building your portfolio without a down payment if you currently own a home.  Call today to discuss how your home can help you earn an income.

If you’ve looked at purchasing a student rental but don’t know where to start, we can help you add these properties to your portfolio. If you currently own student rentals, we have lenders who can help improve financing terms (&therefore returns) on your investment. Let’s explore your options together.

Do you need financing for a business purchase or to purchase a commercial building?  We work with lenders specializing in providing custom-fit solutions for mixed use properties (commercial and residential units in the same building) or commercial only zoning.  Let us help match options to your needs.

Buying your dream hobby farm?  Or farming professionally?  We work with lenders who specialize in these very unique properties and their unique income streams.  Talk to us today about how to secure mortgage financing for your agricultural property.

Do you have major renovations planned?  A tear down and rebuild?  Did you find your dream spot and now need to build your dream home?  We have lenders that specialize in construction financing – for those working with general contractors, direct with trades, or doing self-builds.  Let’s put the proper financing foundation in place to get your project going!

If you are struggling to make minimum payments (or only paying the minimum) debt consolidation could be right for you. There are options to combine debts into one loan at a lower interest rate and usually a smaller monthly payment.  This can allow you to improve your cash flow, put more of your money towards principal rather than interest, and can improve your FICO score.

Bad things happen to good people.  We know you may have faced hurdles that impacted your credit.  Contact us today to discuss how to get better mortgage financing, get on a path to credit repair, and start your journey back to the best products at the best rates.  We not only tell you ‘how’, we take the time to explain the ‘why’ so you make great credit decisions going forward.

If you are considering filing for bankruptcy or filing a consumer proposal, let’s discuss if consolidation might be an option for you.  Insolvency incidents can impact your credit for years to come, and multiple incidents of insolvency can impact your credit for decades.  We may have options available to provide you a different path – call us today to see if consolidation is an option for you.

Just because you have filed for Bankruptcy or filed a Consumer Proposal doesn’t mean you can never own a home or qualify for a mortgage. In fact, refinancing might be an option to put you on a path to faster credit repair. If you want to purchase, refinance, or pay off your insolvency debt, we have lenders who specialize in helping you move forward.  Let’s talk about how to rebuild your financial future. 

In cases where the penalty on your first mortgage is too costly, consolidating very high interest items into a second mortgage may make sense.  It is a way to tap into equity without incurring penalties for breaking the existing mortgage and may make sense depending on what the funds are for (such as down payment on a rental where interest payments could be deducted from rental earnings).