Whether you're buying your first home, seeking a better mortgage deal, or leveraging your home's equity, our team is here to guide you every step of the way.
Some Of The Services We Offer
An annual mortgage review is part of your overall financial health.
We can work with your accountant and financial planner to ensure your mortgage is optimized. We will evaluate various mortgage products and advise you on the best choices to meet your long-term financial goals.
Purchasing your first home is an exciting journey, though it can quickly become overwhelming when faced with unknowns and a deluge of information.
Questions like understanding the process, determining the financial requirements, exploring available programs, and identifying which professionals to hire can make the experience seem daunting.
Fortunately, we're here to simplify it for you. We possess the expertise and knowledge to guide you through each step. With our help, navigating your first home purchase becomes a manageable, step-by-step journey, free from intimidation.
Navigating the complexities of simultaneously selling and buying a home, particularly the intricacies of mortgage financing, requires careful consideration and expert guidance.
Your situation is unique, influenced by financial capacity, risk tolerance, market conditions, and whether you're relocating.
We're here to explore all your options, ensuring you make a decision that aligns perfectly with your needs.
If 2023 taught us anything, how much can a mortgage term change at renewal?
Whether rates are trending higher OR lower, starting the renewal search EARLY is essential – we recommend starting 4-6 months before your term maturity date.
We can assess your financial health, adjust your mortgage, and help you renegotiate or find a new lender.
We can even get a rate hold before your maturity date to ensure you take advantage of any market movements in the months leading up to your renewal.
The equity in your home can be one of your most significant financial advantages. A mortgage refinance can be useful in several different scenarios.
Here are just a few examples:
- Access home equity for use toward other financial goals
- Topping up your RSPs by investing in ETFs or buying a rental property or vacation home.
- Kids education – help with tuition or purchase a condo for your kids in post-secondary instead of renting.
- Debt Consolidation – if you have higher interest debt, tax debt, or a line of credit, you’re having challenges in paying down
No matter your needs, don't hesitate to reach out and schedule a call with us. We'd love to give you the help you need.
Self-employed borrowers are our favourite clients to work with!
They are the dreamers, the creatives – the go-getters! Small business is the backbone of the communities where we live and work. More and more people are choosing to work for themselves rather than others.
One of the benefits of being self-employed is reducing your taxable income and utilizing your business expenses – and if you have a great accountant, that’s precisely what they should be helping you do.
Reducing your taxable income, however, can make it challenging to qualify for the mortgage you deserve. We understand business owners because we're business owners as well! The good news is that some Canadian lenders recognize the need for self-employed financing and have created specific programs, making it much more accessible than ever for you to qualify.
Unlock the financial power of your home with a Home Equity Line of Credit (HELOC).
Whether you're planning a major renovation, funding education, or consolidating debt, a HELOC provides flexible access to funds based on your home's equity.
