Featured Services

Get Pre-Approved

An important starting point that is often overlooked. Let us gather all of the exact financials to allow for an informed real estate purchasing experience. We provide the correct mortgage amount that you can borrow to purchase your home. In an ultra competitive real estate market, sellers are more interested in offers from buyers who have their financing pre-approved. We make sure that you have every advantage possible, every step of the way.

First Time Home Buyer

All of our services exist to make your real estate shopping experience convenient and stress free. You can trust us to supply you with the best products, as well as personalized client service. Let our collective team focus on your needs while utilizing our experience and extensive network to ensure the best interest rate in the marketplace.

Refinancing

The main purposes for refinancing are to negotiate a lower interest rate, consolidate higher interest debt and to utilize equity in your home for future investment options, including rental properties. Regardless of the circumstances you can have confidence in our team to guide you step by step through the process.

Self Employed

Being self employed you may already have experienced the frustration of obtaining a mortgage. Most lending institutions require that self employed individuals use their tax assessments to qualify for a mortgage. Well, if your accountant has done his job correctly, your net income is probably much lower than your gross income, making it next to impossible to qualify. We offer programs which require no tax documents for approval, just a minimum requirement of 6 months bank statements.

Commercial Mortgages

Buying commercial real estate is an important decision, potentially very profitable and often complex. With support from our experts and a loan adapted to your needs, we can help make your project reality. Purchase land and buildings or cover construction costs to build new ones. Expand or renovate your existing premises.

Vacation & Secondary Homes

We want all our clients to be able to experience this goal. Owning your own vacation or cottage property doesn’t have to be a dream, let us help make it a reality. Current regulations and recent stricter requirements for owning a second home or vacation property mean that these mortgages can be a bit more complicated to finance. We are ready to handle every step of the way for you.

Renewals

Remember the days when getting a mortgage simply required a paystub and a signature? Those days are gone. Everyone is feeling overwhelmed by the new government rules that are ever changing, and yes, they impact everyone, even you. Renewal allows you to negotiate a new term and a new interest rate for your mortgage. Often homeowners make a mistake, they keep their current lender and accept the first offer the lender presents. More often than not, this offer isn’t the best interest rate.

Private Mortgages

Life happens! And when it does, sometimes it can have a negative effect on your credit. That doesn't mean all hope is lost for your mortgage needs. While we remain transparant and know your rates and fees may be higher at the start, we work with you over time to get you back into the low rates you deserve. We work with you to give you the tools requird to improve your credit, so that you can rebuild as quickly as possible. We provide targeted advice based on your unique situation

Home Renovation Loans

Using your home equity is one of the most cost-effective ways to finance a large, extensive home improvement project. That's because home equity loans and lines of credit often offer a lower interest rate as compared to other types of loans. If you want to build a custom home or vacation property, we can help, from the land acquisition through to construction and final project completetion.