The right mortgage
for every chapter.

FIRST-TIME HOME BUYERS

Your first home starts with a clearer picture.

Explore your budget, down payment, closing costs and the pre-approval process. We’ll talk through the information lenders may need and what to consider before you make an offer.

Let’s talk about your options→

COMMON QUESTIONS

How much down payment does a first-time buyer need?What is an FHSA and how can it help me?Does a pre-approval guarantee financing?

MOVE-UP BUYERS

More room for the life you’re building.

Moving comes with connected decisions. Let’s review your current mortgage, possible portability, sale and purchase timing, and any potential penalties or bridge financing costs.

Let’s talk about your options→

COMMON QUESTIONS

What is bridge financing?What does it mean to port a mortgage?Is porting always better than breaking my mortgage?

REFINANCING & HOME EQUITY

Make a plan for what comes next.

Considering renovations or consolidating debt? We’ll review available equity, potential fees, penalties and the effect on your total borrowing costs. Lower monthly payments can mean more interest over time.

Let’s talk about your options→

COMMON QUESTIONS

How much equity can I access through a refinance?Will I have to pay a penalty to refinance early?Is refinancing always a good way to consolidate debt?

INVESTMENT PROPERTIES

A considered approach to your next property.

Discuss financing for a rental or second property, with attention to income documentation, down payment requirements, cash flow and lender criteria.

Let’s talk about your options→

COMMON QUESTIONS

How much down payment is required for a rental property?Can rental income help me qualify?Are mortgage rates higher on rentals?

SELF-EMPLOYED & UNIQUE SITUATIONS

Your story deserves a closer look.

If your income is self-employed, you’re new to Canada or your circumstances don’t fit a standard application, let’s review the documents and lender options that may be suitable. Approval is always subject to eligibility.

Let’s talk about your options→

COMMON QUESTIONS

What documents do self-employed borrowers usually need?How long do I need to be self-employed?Can overtime or bonus income be used?

MORTGAGE RENEWALS

A new term. A chance to review.

Before your mortgage renews, take time to revisit your goals and compare available options. We’ll consider features, conditions and any costs of switching alongside the interest rate.

Let’s talk about your options→

COMMON QUESTIONS

When should I start reviewing my mortgage renewal?Will I need to pass the stress test if I switch lenders at renewal?What costs can come with switching lenders?

All options depend on your application, property and lender or insurer requirements. Availability and terms vary. Any applicable compensation and costs will be explained with the required disclosures.