Mortgage Services
Mortgage products built to fit Canadian home financing
Most mortgage situations are unique and require a tailored solution designed to meet your needs. Over the last 25 years Collin and his team have gained the experience and knowledge required to provide a mortgage that accomplishes your specific goals.
Mortgage Renewals
Often shopping around can save clients thousands of dollars and with more aggressive pricing found elsewhere.
Mortgage Renewals
Why do I need a mortgage broker I’m not purchasing, my mortgage is just up for renewal?
We shopped your mortgage around when you were purchasing in order design a product that best suited you and your unique situation at that time. We want to do that when your mortgage is up for renewal as well.
I find that lenders will send out renewal offers without always offering the best rates, terms or products. Often there are no conversations happening to ensure their offer is appropriate for your current needs.
They sell the simplicity of just signing their offer and they are correct. It’s just that simple, no paperwork at all, just a signature…….but at what cost??
I’d love to look at your mortgage renewal offer to ensure you obtain the best rate and product that suits you, just like last time. If that means staying with the same lender, I will be first to tell you!!
First Time Home Buyers
Congratulations on taking the step to buy your first home. I am here to help you through the process and answer all your questions.
First Time Home Buyers
You’ve been renting, saving, dreaming, and planning for a long time. Now you are ready to buy. Can I get pre-approved? How much do I need for a down payment? Getting into a Canadian home mortgage can leave you with a lot of questions. I take the time to explain everything upfront. I also provide no-nonsense answers throughout the process. You will be an experienced and knowledgeable first-time homebuyer before we’re through. This approach will put you at ease and you will have confidence moving forward with your purchase.
Separation or Divorce Mortgages
Life doesn’t always go according to plan. I can guide you through the process of setting up a divorce mortgage, step by step.
Separation or Divorce Mortgages
Separation and divorce are rarely straightforward and it is crucial to have a mortgage professional assist in a Spousal Buyout or the division of real estate assets. I have worked with many couples who have wanted a quick and pain-free solution. I know the lenders and national regulatory guidelines. I can guide you through the process of setting up a divorce/separation mortgage, step by step.
New to Canada Mortgages
If you have immigrated to Canada, we can get you in a mortgage program that can help you buy a home.
New to Canada Mortgages
Newcomers to Canada may find it difficult to buy a home. If you have immigrated to Canada, there are mortgage programs that can help you buy a home. Finding and qualifying for the right program isn’t easy. It is best to get professional help. I have extensive experience helping new Canadians get a mortgage.
Refinance or Consolidation Mortgages
This is a unique opportunity where homeowners can potentially access some of the equity in their homes.
Refinance or Consolidation Mortgages
You can use the equity in your home to pay down debts, renovate your home, go on vacation or anything else you can think of. This equity is yours! There are some mathematical limitations to these types of mortgages and I will walk you through that. It centers around the value of your home compared to what you owe on it. Just like any mortgage, I take you through the application and qualification process. It’s a great way to change your financial situation and over the years, by a mortgage refinance, I have helped clients buy a second home, top of their investments, pay off debt and so much more.
Purchase Plus Improvement Mortgages
Reno the kitchen, change the flooring or add an addition. We have mortgages that provide a little extra to get your project done.
Purchase Plus Improvement Mortgages
You love the lot, you love the neighbourhood, you like the home… somewhat. If only it had another bathroom in the basement or a backyard garage. I hear this all the time. You could use a Purchase Plus Improvement mortgage. You can buy a home that might not “tick all the boxes” and get renovations put into the mortgage. I can even get you a list of trustworthy contractors to help with the renovations.
Professional and First Responder Mortgages
Programs uniquely designed for First Responders and Medical Professionals to obtain mortgage financing.
Professional and First Responder Mortgages
Within the Mortgage world, there exists specific programs designed for specific clients. First Responders and certain Medical Professionals frequently fall into this category. Sometimes, because of the length and cost of their education, these clients don’t fit into the “traditional” mortgage mold and this can pose challenges. Thankfully there are programs uniquely designed for First Responders and Medical Professionals to obtain mortgage financing.
Some differentiating factors include how lenders look at income, the occasional granting of income exceptions, preferred rates, etc. Quite often, for these clients, there is specific documentation as it pertains to both income and debt repayment that make these mortgages different from regular mortgages. They are “particular” but I can help navigate this for you.
Reverse
Mortgage
We have been helping Canadian reverse mortgage customers for years, and we are happy to answer your questions!
Reverse Mortgages
Though reverse mortgage products have been around since the 1960’s, their popularity has grown in the past twenty years.
While many of you have heard “reverse mortgage”, most still have questions like, “what is a reverse mortgage and how does it work?” or “what are the benefits to a reverse mortgage?” and “do I still own my home?” These and many more questions will be answered as we go through the Reverse Mortgage Application.
Canadian demographics show an ageing population. If you belong to the baby boomers or an earlier generation, you are in a unique situation. Do you have enough to live comfortably? If you are finding it more expensive than anticipated, a reverse mortgage (also known as an equity release or Chip reverse mortgage) may be for you.