for Home Buyers & owners
Exceeding customer’s expectations with passion, attention-to-detail, and the highest standard of customer service.
Close on time, every time
- Closing documents to your lawyer 10 days in advance
- Proactive Communication
- Quality Preapprovals and quick closings
We promise to take the time to explain, introduce any incentives you can take advantage of, and walk you through each step. We believe it starts with your financial goals and a community you love, from there we introduce to Canada’ top lenders and walk you through the process.
Maybe you may want to rent your existing home or take out some equity? We will review all of the best opportunities with the least amount of cost for you, there is no need to pay more when you are making moves in real estate, it is all about maxing out the programs that exist and implementing them.
For a child attending a university away from home, your parents moving into your neighborhood or helping out a family member, it is an opportunity for you to buy another home without having to have a down payment of 20% or more.
Vacation home- have you always had your eye on a condo or home at the lake? No problem, the bank will allow you to purchase a vacation home with as little as 5% down payment. Depending on the location and type of home it is will have an impact on what kind of financing is available. We have many clients that have little getaways on weekends and they love it.
Acquiring more than 1 rental is certainly possible with the right formula that fits within the required guidelines.
Whether you would like to do a major renovation or possibly a floor at a time as you may want to live in the home while the renovation is taking place. Financing the renovation project can be done several ways, you may have equity you can tap into or we can add on an additional mortgage to complete the renovation.
The funds can be used for childrens education, a new car, pay down your high interest debt and medical expenses. If you are drowning in debt and need a large sum of money we will analyze whether the lower interest of the refinance will lower your monthly payments and put you into better financial situation.
The loan is open and the payments feel low, however the interest rate is likely higher than a traditional mortgage loan. Once the line of credit is in place you are free to use it for any reason and is fully open allowing you to pay it down or off at any time without penalty. A line of credit is always a product that can be handy to have in place close to retirement so you can access your equity at all times in case of emergency.
Your financial situation may have changed, or possibly you wanted to look at investing in the market, all of these wishes will be best suited by the type of product and strategy we review at the time of your renewal. We want to ensure we have covered your best options for your short and long term financial goals with your real estate and your finances as well.
There certainly is a program in place for you to access the equity to pay out your spouse if you were wishing to do so. Each situation is unique to you, we will analyze your families needs and match you with the best options when it comes to divorce and the mortgage you require.
The program allows you to buy a home or if you already own your home and would like to access some cash for groceries, travelling, medical expenses or even car repairs, you can certainly do so. There is no monthly payment required, the loan is paid off when you sell the home. We will take the time to analyze your needs and show you how the program works for you.
What to Expect
Typical Loan Process
Finding Your Home
Shop for Home
3 - 5 Days
Put In Offer
5 - 7 Days
Final Loan Documents
3 -7 Days
Appraisal Report Completion
Condo Review (if applicable)
5 - 10 Days
Final Loan Approval
Submit Final Paperwork
Lender Approval Complete
5 - 10 Days Before Closing
Meet With Lawyer
1 Day Before Closing
Ensure property is in good condition
Things to Remember
Frequently Asked Questions
We can assist with a mortgage in all the provinces in Canada as well as the Territories.
We offer residential and commercial mortgage loans.
Depending on your down payment and credit history, your credit score could be as low as 450, however, most lenders are looking for 620 and above. Please call us for details on your credit.
Please call us right away so we can help you, it is important that we work with the bank before it is too late. We are here to help at any time.
Please call or text us at 403-710-7522 for the most accurate information regarding your personal mortgage. We will provide you with the most up to date information and answer any questions you may have.
The minimum down payment that is required is normally 5% of the purchase price, please call us to get the details on which program you fit under for the down payment on your new home.