Mortgage Services in Toronto, Ontario

Buying a home can be an exciting but also stressful time.  Securing the right financing is crucial, and having a profession guide you through the process will help to a make sure you are getting the appropriate product for your unique individual situation.  We will assist with making sure you are away of  any and all costs that may be associated with buying your new home; things like making sure you are aware of legal fees and land transfer taxes, and possibly lawyers adjustments on closing. 

Let us help make sure you understand the entire process from beginning to end.

Click here to contact us with any questions, anytime, we’re happy to help!

Sometimes life throws us a surprise, or sometimes there are opportunities to save money. 

In today’s hectic world, we’re here to help put you into a better mortgage scenario that fits your unique needs.

Whether you need to access the equity tied up in your home to help with a child’s wedding, or just get a lower mortgage rate and improve your cashflow we can help with that.  And as always you will be assisted through the entire process from beginning to end.

Click here to contact us with any questions, anytime, we’re happy to help!

Is your mortgage renewal date coming up?  DON’T SIGN ANYTHING!

Your current mortgage lender may not be offering you the best rate or product for you right upfront!

What we can do is switch your current mortgage upon maturity (and even before) and many times there is no cost for this transaction.

Before you commit to renewing your current mortgage with your current lender, give us a call to see if there is a better deal out there for you.  And as always you will be assisted through the entire process from beginning to end.

Click here to contact us with any questions, anytime, we’re happy to help!

Sometimes you may need money or your may not need money from your home’s equity.  This is when a Secured Line of Credit would be ideal.  They are typically the cheapest way to borrow money in the form of a line of credit.

They are fully open for repayment at any time, you only pay for what your borrow, and rates are very competitive to a fixed rate mortgage.

If you are certain that you need to access money from your home, then perhaps a refinance might be better, because the mortgage rate will be lower, but with a mortgage you must borrow the entire amount upfront and pay interest on the entire amount.  A secured Line of Credit may end up costing you less, even though the rate may be slightly higher.  Let us work through the numbers and help you decide what’s right for you.  And as always you will be assisted through the entire process from beginning to end.

Click here to contact us with any questions, anytime, we’re happy to help!

Has a big bank turned you down for a mortgage?  We work with all different types of lenders, not every institution lending money for mortgages is a big bank.  Some are what we sometimes call Alternative lenders.  They can usually see through life’s hiccups.  They are generally more lenient on past credit issues, some are more lenient on income issues…they have different qualification guidelines, and sometimes there rates are right there with the banks rates. 

Non Bank/Alternative lenders are not easy to find and you will not usually find branches, as you would easily with a major bank.

Don’t limit yourself the banks guidelines.  Let us work with you to help you find the mortgage that’s right for your unique situation.  And as always you will be assisted through the entire process from beginning to end.

Click here to contact us with any questions, anytime, we’re happy to help!

Are you a self employed tradesperson, taxi driver, or courier.  Much of today’s workforce is filled with people that are in businesses that allow us to write off our expenses.  This means for most people that they don’t show enough income to qualify for a traditional mortgage.  There are products available that can get you the mortgage you need even if you are not showing the full amount of income that would normally be required to qualify.

And as always you will be assisted through the entire process from beginning to end.

Click here to contact us with any questions, anytime, we’re happy to help!

If you are looking to get equity out of your home a 2^nd or 3^rd mortgage may be just what you need.

Sometimes this can be arranged as a secured line of credit, while leaving your traditional 1^st mortgage in place and sometimes it may be via a private lender.  Options and costs vary substantially for products like this so it is important to have someone on your side with expertise in this.

We have plenty of experience and access to these specialized products that may be difficult to find.  And as always you will be assisted through the entire process from beginning to end.

Click here to contact us with any questions, anytime, we’re happy to help!

If you want to get a mortgage with the least amount of red tape possible, then this is the mortgage for you.  Private lenders are individuals, or private corporations that will lend you money usually using strictly the remaining equity in your house as security.  They usually don’t care about any past credit issues, or income.   They are looking to get a return on their investment and are more expensive than banks and non bank/alternative lenders.  But they are very good at what they do.  They get you the money you need, fast, and with very little requirements from you.  Sometime the only thing they need is an appraisal of the property.  And sometime they will do it without an appraisal.

Don’t shy away from this option just because their interest rates are higher.  Many investors make lots of money by using private lenders to aquire properties they would have been able to aquire other wise.  They are great of for property flippers as they are usually short term and sometimes their mortgages are open.  There are a myriad of reasons to use private lenders.  Maybe one of those is right for you.

We have direct access and plenty of experience with private mortgages, And as always you will be assisted through the entire process from beginning to end.

Click here to contact us with any questions, anytime, we’re happy to help!

Are you behind on your mortgage or your taxes.  Have you been issued a statement of claim and are worried about losing your home.

Don’t wait, time is precious is situations like this.  Banks generally will not get involved in provide a mortgage if a customer has mortgage arrears.  We can help, we have access to the source of funds you need to get out of Power of Sale proceedings.

Don’t wait, call now if you are in a Power of Sale or Foreclosure situation, And as always you will be assisted through the entire process from beginning to end.

Click here to contact us with any questions, anytime, we’re happy to help!