WE ARE HERE TO HELP

We'll help you achieve that dream with a mortgage product tailored to your specific situation.

1 Get that cottage by the lake.
2 Lock in today's historic low rates.
3 Take cash out of your home.
4 Buy a home when you're self-employed.
5 Take advantage of current low rates.
6 Reduce overall interest payments.
7 Switch to today's lower rates.
8 Get ready cash whenever you need it.

MORTGAGES

FAQ

Find some answers to some commonly asked questions below. Contact us if you have a question that you don't see answered here.

	IF I HAVE A MORTGAGE ON MY HOUSE CAN I SELL?
	The sale is will be handled by a Realtor first, then a lawyer or notary. When the sale completes, the lawyer/notary simply calls the lender to ascertain the balance owing and then pays out the mortgage and you will receive a cheque for the difference.

	WHY SHOULD I USE A MORTGAGE BROKER?
	Mortgage Brokers are professionals who have relationships with numerous lenders, both institutional and alternative sources. Many of these companies are not accessible to the public. With this large volume of lending sources, Mortgage Brokers can offer the products of hundreds of companies, whereas a bank can only offer their own limited products.

	WHAT WILL PREVENT ME FROM QUALIFING?
	Here are some factors that may prevent you from qualifying: You are self employed and cannot provide 3 full years of financial statements. You have been on your job for less than a year and have a record of job instability. You have a poor or marginal credit rating. You do not have your down payment.

	ARE THERE HIDDEN COSTS ?
	We will tell you up front about any and all costs; e.g. appraisals, C.M.H.C. fees, legal fees, broker/lender fees, etc. There may be situations where we are unable to quote exact fees; e.g. legal fees. This is due primarily to continually increasing government charges, costs for land title registration and other services beyond our control.