SERVICES

Your Mortgage Journey Starts Here

Mortgage products and options for your unique needs

We research and filter through hundreds of loans and products with over 50 mortgage lenders which means you can be sure we’re presenting you with competitive mortgage rates and options tailored to your specific needs.

Need another mortgage? Returning client?

We value your loyalty! Whether you’re a returning client or new to us, we’ll work to find the right mortgage that suits your unique financial needs.

Our brokers will assess your current financial position and provide a no-obligation, no-cost pre-approved mortgage for you.

Are you feeling overwhelmed? Don’t be. We wanted to bring you up to speed, but rest assured we can take it from here.

Buying your first home? We can help.

We make it our business to understand your unique needs and match you with financing solutions tailored to you. Our qualified and accredited mortgage industry professionals assess your needs and act in your best interests, representing you as the go-between with lenders.

And in most cases, we’re paid by lending institutions, so there’s no cost to you.

Work with one of our brokers to help you understand what you can comfortably afford to borrow by arranging a pre-approved mortgage, guaranteed for 120 days. Not only does a pre-approved mortgage provide clarity while you house-hunt, but it’s also peace of mind on an interest rate that will not increase. And in the fortunate event that rates decrease, we will ensure you benefit. Our brokers can provide a no-obligation, pre-approved mortgage for you at no cost. 

HOW DO I START?

Before You Renew, Talk to an Expert

If your mortgage is coming up for renewal, make us your first call, and let us find the best mortgage for you.

Today’s ultra-sensitive stress tests and interest rate environment can be especially confusing. Many homeowners sign their renewal agreement at whatever rate their lender has quoted. It’s a simple mistake, but a costly one.

Our brokers can demystify your options and negotiate the best rate on your behalf. Come talk to one of our experts so we can ensure you’re getting the best deal from your current, or new lender.

RENEWALS

Turn Your Home Equity into Opportunity

Thinking about refinancing your home or experiencing a change in circumstances? Our brokers are here to guide you through the process, carefully weighing the costs and benefits to ensure your mortgage aligns with your financial goals—so you can move forward with confidence and come out ahead.

Free up cash to pay off bills or consolidate to one payment, one interest rate

Reduce borrowing costs on your current mortgage by securing or switching to a lower fixed or variable rate

Fund home improvements or purchase additional investment properties

REFINANCING

SIMPLIFY

SAVE

INVEST

Put Your Home Equity to Work for You

For most Canadians over 55, your home is your largest asset and part of your retirement plan. Unlock the value in your home now with a reverse mortgage, it’s a simple, easy, and dependable way to access tax-free cash from up to 55% of the equity in your home. There are no credit or income qualifications, and you maintain ownership of your home, best of all, there are no regular monthly payments required.

Free up tax-free cash to invest, travel, pay off debt, renovate, or sleep easier.

You can choose to take a lump sum or receive payments over time.

Lifetime approvals mean you can continue to live in your home until you decide to move or sell.

Your home continues to appreciate, and there are no regular monthly payments required until you move or sell it.

REVERSE MORTGAGE

EASY

FLEXIBLE

TAKE BACK CONTROL

NO PAYMENTS REQUIRED

Mortgage Products Tailored to You

MORTGAGE OPTIONS

  • A fixed mortgage offers you the security of locking in your interest rate for the term of your mortgage, so you know exactly how much principal and interest you will be paying on the mortgage during the term. Terms range from 6 months to 10 years. Fixed-rate mortgages offer some form of pre-payment, from 10% to 25% of the original mortgage balance each year, depending on the lender. If you wish to pay off your mortgage in full, there will be a penalty of either three months of simple interest, or an Interest Rate Differential (IRD). The benefit of this mortgage is the rate is lower than an open mortgage, making it a more popular option if you have no plans to pre-pay it in full during the term you select.

  • A variable mortgage allows you to take advantage of today’s low Prime Rate. Most variable-rate products are set below prime; terms range from 1 to 5 years. The terms range from 3 to 6 years. Payments vary depending on the product or lender you choose. In some cases, you can fix your payments for up to 5 years, but the interest rate will fluctuate as the Bank's prime rate changes. In other cases, your monthly payments will vary depending on how many times the prime rate changes during your term.

  • An open mortgage allows you the flexibility to pay off some or the entire mortgage at any time, without penalty. Interest rates are usually higher and are tied to the Bank's prime rate.

  • A secured line of credit allows you to access the equity in your home whenever you choose. Rates are tied to the prime rate, usually slightly above. Required payment on the balance is interest only, making it an excellent choice where cash flow may be important. The interest rates are lower compared to an unsecured line of credit. You may have a secured line of credit and a mortgage if you have good equity in your home.