Mortgages

Finding You the Right Mortgage

Take a quick look around and you’ll see that there are endless mortgage products and offers, all claiming to be the one you need whether you’re buying your first home, moving into a bigger home to support a growing family, or downsizing to a smaller home.

Despite all of the mortgage options available on the market, all mortgages are not created equal. Whether you’re buying your first home, your next home, renewing or refinancing an existing mortgage, let us help you find the right mortgage for your situation. The mortgage term, amortization schedule, interest rate and payment options are just a few of the factors that should be considered in choosing the right mortgage.

Investment Properties or Second Homes

We can help you find the right mortgage for properties that aren’t your primary residence. Whether you’re looking to purchase an investment property or a cottage to escape to, we can make sure your second mortgage fits into your overall financial wellness plan.

Your Mortgage in Your Overall Financial Picture

The purchase of a primary or secondary property shouldn’t be treated as a standalone transaction but as an integrated part of your overall financial wellness strategy. Making sure you’re protected by the right insurance policies, that any investment growth is as tax-sheltered as possible, and that your properties are part of your retirement and estate planning are all important considerations when considering the purchase of a home or property.

Let us help you find the right mortgage. It’s how we help guide our clients along the path of financial security and wellness.

Preparing to Qualify for a Mortgage

Qualifying to purchase a home for the first time can be difficult, especially with property prices rising so quickly.

If you are looking to purchase a home and apply for a mortgage within the next couple of years, the time to start preparing is now! By establishing a solid income and credit record, and by consolidating and paying down your debt, you can position yourself much more favourably when it comes time to apply for a mortgage.

We help our mortgage clients build their financial foundation so they’ll be ready to buy the home of their dreams when the time comes. It’s how we help light the way to financial security and wellness.

Get in touch today and let us help you to the proud moment of buying your first home!

Building or Rebuilding Damaged Credit

We get it: Not everybody is going to have the benefit of a great credit score lenders look for when they’re reviewing your mortgage application.

But having bruised credit or no credit history shouldn’t mean the end of your home ownership dreams. It might take a little longer, may require some changes to your spending habits, and involve some determined financial discipline, but we can help build or rebuild your credit to the level you need to buy the home of your dreams.

Having unestablished or damaged credit doesn’t mean you’ll never own the home of your dreams. Let us be the beacon that guides you along the path to financial wellness and help you buy a home to call your own!