Our Products Services

1st mortgage,2nd & 3rd mortgages , Refinance ,HELOC ,Secure Line

1). Refinancing Your Mortgage

we can refinance up to 80% of your home’s value, with no CMHC? 90% LTV with CMHC.

With the significant appreciation of housing prices in the past few years, many of our good-credit clients decide to unlock the value of their homes by refinancing their mortgage (Canada) for a various reasons including:

Investments

Debt consolidation, such as credit card, car loan and/or high interest loans

Combining first and second mortgages

2).Renovations

Ask yourself:

Are you tired of making multiple (four or five) different payments each month?

Do you find yourself making minimum payments each month?

Are other creditors charging interest rates that are higher than today’s current mortgage rates?

Do you wish you had more money to purchase stocks, bonds or make other investments?

If you answered yes, our highly-trained  brokers can help you refinance your mortgage in Canada. We can answer your questions, help determine your needs and take you through the process quickly and efficiently—with the lowest refinance rates around. And even if your original mortgage was insured, you pay only the insurance premium on the new money borrowed.

3). HELOC for whatever reason

4). FIRST TIME HOME BUYING

5). Re-establish your credit or new to canada option.

6). Second mortgage at lower rate

7). Private funds

MORTGAGE OPTIONS

Your mortgage refinance—our lower rates.

Deal with the banks and the details for you, and pass along a volume discount to get you the lowest refinance rate possible. Come in to one of one discussion to our office, call or apply online today.

Requirements for refinancing include:

1. Acceptable Loan Purpose

Refinance purposes including: Investment , debt consolidation, combining first and second mortgages, renovations, and investment purchases

Available for extended amortization up to 30 years

2. Eligible Properties

Owner occupied:

Maximum four units with at least one unit occupied as the principal residence

Existing properties (not for new construction)

Secondary homes or investment properties:

Maximum two units

Existing properties (not for new construction)

3. Loan-to-Value Ratio Limits

‘Loan-to-value’ (LTV) is the relationship between the principal balance of a mortgage and the property value. For example, if you have a house valued at $100,000 with an $85,000 loan, you have an 85% LTV ($85,000 divided by $100,000 = 85%). For this program, the maximum LTV ration is 80.00%.

4. Amortization Options

Available for extended amortizations up to 30 years (i.e. currently uninsured conventional mortgages).

Fast Results: Get answers fast.

Residential & Commercial lending

Residential

# Buying or Renting

# First time home buyer plan

# Financing option at best rates @P-1.25 APR 5 yrs fixed

# Mortgage affordability

# Closing

# Downpayment options

Commercial

#Down payments

#Appraisal

#Business overview

#New businesses & previous businesses overview

#Revenue to be generate

#Lending criteria