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)


TD Canada Trust   Street Capital   ScotiaBank   First National

Today's Lowest Rates *

2.88%
Variable Rate
3.09%
Fixed Rate

Found a lower rate? Find out why

Apply Now

* On approved credit. Some conditions apply.
Today's Deal:
Feb 22, 2012 – 3 year quick close, 2.89%

Not All Mortgages Are Equal

Some of the lowest fixed rates have BIG restrictions. Sometimes referred to as "No Frill" or "Value" mortgages, these deals can end up costing you much more money in the end.

Many of these type of mortgages can not be "ported" from one home to another. So if you buy a new home you would have to break the mortgage and pay the penalty.

Most of these no-frill mortgage products do not allow you to "Blend and Increase". This means if you choose to refinance your home for more money, you may be forced to pay a penalty.

So, when comparing rates, think twice, think smart. Those short-term gains may cost you in the long run.

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.
(416) 662-6159
Call me at (416) 662-6159