When the time has come to make your first home purchase, its very scary and exciting all at the same time!    However, we understand and have designed a comprehensive outline of what to expect and what you need to know.

Looking at taking a step up or even possibly down sizing?   We can help working through all the financing steps and options that make the most sense for you.

Our office has teamed up with professionals across Canada, which provides our clients the greatest of ease as we facilitate their relocation financing package, we can also put them in contact with professionals in the new area.

Not all home equity line of credits are equal.   Flexibility within the line of credit differs between lenders or even conversion opportunities within the line of credit.   This option can be a good solution for consumers looking to leverage the equity in the property for investing or even multiple investments.

The family wanting their own recreational property by the lake or near a golf course/ski hill?   Fantastic opportunity for consumers looking to purchase that home away from home!

Unfortunately, this is the number one reason why consumers break their current mortgage.   However, most consumers are not even aware this program is available and that a spouse has the option to “buy out” their ex from the matrominial property.   In fact, up to 95% financing is available in order to facilitate the spousal buyout.

When past credit issues are a problem or perhaps challenges pertaining to qualifying under the conventional rules for mortgages…this is a program to consider.   With larger down payments or looking to pull some equity out of the house, this program provides an option for consumers that otherwise would not be able to obtain mortgage financing.

Loans are available for consumers for whatever purposes.   This is a recommended option for consumers looking to purchase a vehicle, consolidate debts, borrow funds for down payment or even to help out with some renovation work around the house.

Just because your Bank may have declined your mortgage application, doesn’t mean you are out of options.   Our office works with a number of lenders.   Lenders all have their own policies on what they look for on mortgage applications and when you info falls outside of this box, our office may be able to help.

This program is one of the most sought after as many Canadians are self employed and have challenges with being approved for credit.   This program was designed specifically for the self employed and is only eligible for those self employed.   Ability to purchase with as little as 10% down payment.

Revenue properties are a great way to diversify and build your investment strategy.   Financing for revenue properties has become more difficult in the past few years, but there are still lenders willing to help out.

Are you new to Canada and wanting to be able to make your first home purchase with as little as 5% down payment?   Our office proudly offers the New to Canada program, and this may be the product you have been looking for.

Our office offers a couple of options for consumers looking to consolidate debts.   If you are a homeowner and have equity available in your home, we can look at refinancing.   If you do not own, but are looking for a debt consolidation loan, we also offer this loan and can help.

Not a product for everyone however there is a place for this offering and can be extremely important for a number of solutions.   Providing detailed and accurate information is highly recommended to ensure you are receiving proper advice for a second mortgage.

When your existing mortgage is maturing and you are roughly 6 months out from having to renegotiate your rate with your current lender, the best favour you can do for yourself is to ask any of our professionals for advice.   Canadian stats show consumers rarely move their mortgage renewal or even shop it, allowing lenders to capitalize on renewing your mortgage at a much higher rate than you can qualify for.

Ideal for homeowners over 60 looking to enjoy the equity in the property without the requirement of a mortgage payment.   Funds can be used for any purpose, even early inheritance!   No restrictions or limitations on how you use the funds and you maintain ownership and property title to the home.

Credit history is so important in your ability to obtain any type of credit, including loans, line of credits, mortgages, etc.   When you have hit hard times and need to rebuild the credit, its very difficult to get lenders to give you a second chance.   We have this solution and have made it easy to qualify for.   Must have a job and a bank account.

One of the best kept secrets and is hardly utilized by consumers.   This program provides the ability to build in the costs of renovations of the property you are purchasing or can even be used for your current home when refinancing.   We can also provide information on which renovations will help give you the best increase in property value.