Residential Mortgages

Pre Approval​

• Clarifies your budget for home shopping.

• Strengthens your offers to sellers.

• Streamlines the mortgage process.

• Provides peace of mind with secured financing.

Debt Consolidation​​

• Lower interest rates compared to credit cards and personal loans

• Simplifies finances by combining payments into one

• Potentially improves credit score by reducing overall debt

Construction Loans

​

• Flexible financing for construction phases.

• Interest-only payments during construction.

• Funds for land and materials.

• Can convert to a permanent mortgage.

​Purchase Financing

​​

• Access to over 70 lenders for competitive rates. 

• As little as: 5% under $500,000.

• Mortgage default insurance  (CMHC) needed for under 20% down payment

Construction Financing 
​

• Flexible funding for office, retail, industrial, and multi-unit residential projects.

• Competitive rates and draw schedules.

• Helping secure necessary capital for successful project completion.

Bridge Financing

​

• The ability to purchase a new home with the proceeds of an existing home sale even if the sale hasn't been completed yet.

• Typically spans a few months until the original home sale closes. 

Refinance

​

• Home refinancing can lower monthly payments with a reduced interest rate.

• It also provides access to equity in your home 

Home Equity Line of Credit

​

• Flexible access to funds

• Lower interest rates than credit cards.

• Possible tax deductions on interest.

• Borrow only what you need, as needed. 

Private Mortgages

​

• Are loans from individuals or organizations, not banks.

• They offer flexible amounts, terms, and quick approval processes.

• Often used for real estate investments or unique financing needs.