A Smarter Way to Do Things.
Buying a home is exciting but requires professional advice. With access to multiple lenders, we’ll help you find the best rates and mortgage options to make your dream home a reality.
Our advice: Start with a conversation with a mortgage expert.
The thing is, it actually will save you money.
MORTGAGE OPTIONS
Fixed-Rate Mortgages
Lock in a consistent interest rate for terms of 1–10 years, with occasional options for 15 or even 25 years. Fixed terms provide stability, ensuring your payments remain unchanged throughout the term. Many fixed-rate mortgages in Ontario offer flexible pre-payment options to help you pay off your mortgage faster.
Open Mortgages
Pay off your mortgage anytime without penalties. These are ideal if you plan to sell your home or refinance in the near future. Open mortgages are available with fixed or variable rates and often include home equity lines of credit.
Variable Rate Mortgages (VRM)
The interest rate fluctuates with the Bank of Canada’s Prime Rate. While your payments remain fixed, the portion applied to the principal or interest adjusts with rate changes, making VRMs ideal for those comfortable with market variability.
Adjustable Rate Mortgages (ARM)
Similar to VRMs, the interest rate changes with the Prime Rate. However, with ARMs, your payment amounts fluctuate as the rate changes. This option is suitable for those who can accommodate payment adjustments.
Cash Back Mortgages
Receive a percentage of your mortgage amount as cash at the start of your term. This option is popular in Canada for covering closing costs, renovations, or other large expenses.
Home Equity Lines of Credit (HELOC)
Access your home equity with a flexible, revolving line of credit. Registered as a collateral charge, you’re only charged interest on the amount you use. HELOCs are popular in Ontario for their flexibility and can include multiple term options under one product.
Second Mortgages
A second lien on your property allows you to access your home’s equity if you don’t meet traditional bank requirements. Common uses in Ontario include debt consolidation, renovations, or covering large expenses.
RENEWALS & TRANSFERS
Is your mortgage term ending? Don’t sign a renewal letter without consulting us first! We’ll ensure you:
- Get the best interest rates.
- Transfer your mortgage without fees—new lenders cover the costs.
- Explore options to save money, restructure payments, or shorten your term.
Benefits include:
- Better rates and faster mortgage payoff.
- Debt consolidation and tax benefits.
- Locking rates 120 days before renewal.
REFINANCING
Refinance to lower your interest rate, consolidate debt, or access funds. Our experts will help you decide if refinancing benefits your financial goals.
Key tips:
- Understand penalties for breaking a mortgage term.
- We’ll explain whether a fixed or variable option is best for you.
DEBT CONSOLIDATION
Consolidate debt with a home equity loan or second mortgage. Restructure into one manageable payment while keeping monthly costs stable.
Our process:
- Assess property value.
- Apply with a lender based on credit.
- Consolidate debt into one payment.
- Improve credit, then refinance for better terms.
Schedule a Visit
Call or email to schedule a visit.
Why Renew with Us?
- Get better interest rates.
- Consolidate debt and restructure payments.
- Upgrade to a superior mortgage product.
- Switch lenders at no cost.
- Lock in rates 120 days early.
- Ensure your credit is ready for approval.
With over 50 lenders competing for your business, we’ll help you save time and money. Contact us today!