Mortgage Options
Find The Mortgage That Is Right For YOU
Getting to know your situation for the present and understanding your plans for the future, allows me to guide to you to the right mortgage. A mortgage that is not only a great rate, but offers the flexibility you need for the future.
Best-Rate Mortgage
With the large volume of mortgages I place every year, plus my access to over 40 lenders, I always have the best rates available on the market.
Important Benefits of My Best-Rate Mortgages
- Pre-pay up to 25% of your principal every year with no penalty
- Ability to increase or blend your mortgage without penalty
- You can transfer the mortgage to another property or person
Keep in mind, some "low rates" have BIG restrictions. So, when comparing rates, think twice, think smart. Those short-term gains may cost you in the long run.
No Money Down Mortgages
Do you have great credit and a solid job but are having trouble saving up for the down payment needed to purchase a home?
I offer mortgage programs that will give you up to 5% cash back upon closing for you to use for your down payment, household renovations, or even your closing costs.
While this program does offer slightly higher interest rates than traditional mortgages, it is a great way to get started as a homeowner and say goodbye to rent payments!
RRSP Down Payment Mortgage Program
This is a fantastic government program that allows you to take out up to $25,000 (per person) from your Registered Retirement Savings Plan to buy a home or condo.
This is for "qualified" first time home buyers, or buyers that have not owned a home in the last 5 years. Read the full details or contact me to discuss how this program can get you started.
New to Canada Mortgages
There are a few great programs for people New to Canada to enjoy the benefits of home ownership early on. With as little as 5% down you could buy an owner occupied home.
Some of the criteria are:
- New to Canada within the last 3 years
- Valid work permit or obtained landed immigrant status
- 3 month minimum full time employment in Canada or under a corporate relocation or transfer (income paid in Canada)
1 Minute Application
The Importance of Getting Pre-Approved
Did you know that the pre-approval process is the most important step in arranging your mortgage?
My "No Cost" pre-approval will …
- Tell you what your rate options are and what you qualify for.
- Protect your rate for up to 4 months (120 days). If rates increase, you get the lower secured rate. If rates fall, you get the new lower rate. It’s the best of both world.
- Make sure your paperwork is in order prior to finding buying your property. When the time comes and you find the right home, you’re good to go.
