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We understand that everyone has different needs when it comes to getting a mortgage. If this is your first time, we know you'll need a little extra help to understand the process of getting a mortgage. That's why we offer our First Time Home Buyer's Seminar that explains everything you need to know about financing your first home. There is no obligation and the course is provided free as a community service.

If you are purchasing an investment property or renewing an existing mortgage, you probably know what you want and need someone to deliver. In today's competitive marketplace, our knowledge can save you time and money by arranging your mortgage quickly and conveniently with Canada' leading financial institutions. We make flexible appointments around your schedule, return all calls promptly and keep you informed every step of the way.

There are options if you are self-employed or have had credit problems in the past. Waiving traditional income requirements or making an exception to verification documents are items that are negotiable with lenders. Speak to us for further details.

Whether you are buying for the first time, renewing your mortgage or simply weighing all your potions, you've come to the right place. I am committed to bringing you a better way to get the mortgage you want, when you want it. I look forward to taking good care of you.

First time home buyers should always start with the amount of affordability before they seriously go house hunting. You will have a better picture of what you can afford. In some cases a pre-approved mortgage guarantees your interest rate for up to 120 days even if rates go up. If they go down, we'll make sure you get the new lower rate. Our pre-approvals put you under no obligation and are available to you at no cost.

For your FIRST HOME purchase, most lending institutions require the following documentation. To process your application as quickly as possible, please provide the following:

Income verification which will include:

  • last pay stub, with year to date earnings if possible.
  • last years Revenue Canada Notice of Assessment - Form T451E(01).
  • Letter from Employer

 

Down Payment verification which should include:

  • savings - 3 months of bank statements.
  • RRSPs - statement ( if applicable )
  • Gift Letter ( if applicable )

As a repeated buyer for the purchase of your NEW HOME, most lending institutions require the following documentation. To process your application as quickly as possible, please provide the following:

Income verification which will include:

  • last pay stub, with year to date earnings if possible
  • last years Revenue Canada Tax Assessment - Form T451E(01)
  • Letter from Employer

 

Down Payment verification which will include:

  • savings - 3 months of bank statements and / or
  • RRSPs - statement and / or
  • Gift Letter
  • Current Mortgage Statement and current BCAA Property Assessment, if selling current home

 

Wouldn't it be great to pay off your bills and lower your monthly payments - all at the same time? You may have more equity in your home than you realize. In fact, you may even qualify to borrow up to 90% of the equity in your home. We can show you how to take the equity in your home and turn it into cash - money that you could use to: Consolidate bills, pay off high interest credit cards, or make home improvements.

For theREFINANCEof your existing home, most lending institutions require the following documentation, even if we are going to place your mortgage with your existing lender. To process your application as quickly as possible, please provide the following:

Income verification which will include:

  • last pay stub, with year to date earnings if possible
  • last years Revenue Canada Tax Assessment
  • Employment Letter

 

Current mortgage statement; showing mortgage balance or mortgage renewal or payout statement

Form B ( registered one ) - original mortgage documents

Municipal Tax Notice and proof of payment

Survey certificate ( if applicable )

BCAA Property Assessment ( most recent )

Proof of fire insurance

Purpose of additional funds - if this is for a home improvement project, we will require a contractor's estimate.

Is your mortgage coming up for renewal? Variable rate mortgages have become increasingly popular in today's ultra sensitive interest rate environment.While it may be more confusing than ever to compare alternatives, in a recent survey of Canadian homeowners astonishingly over 65% of respondents said they simply signed there renewal agreement at whatever rate the bank quoted. That's precisely what your existing financial institution is counting on. Don't make this simple yet costly mistake.

Our speciality is shopping at all the financial institutions and then agressively negotiating the best rate on your behalf. Did you know that if you switch your mortgage at renewal time to a new Lender it won't cost you a dime! It's free. Call us . . . .we can help!

For the RENEWALS/SWITCHES of your existing home, most lending institutions require the following documentation, even if we are going to place your mortgage with your existing lender. To process your application as quickly as possible, please provide the following:

Income verification which will include:

  • last pay stub, with year to date earnings if possible
  • last years Revenue Canada Tax Assessment
  • Employment Letter

 

Current mortgage statement; showing mortgage balance or mortgage renewal or payout statement

Form B ( registered one ) - original mortgage documents

Municipal Tax Notice and proof of payment

Survey certificate ( if applicable )

BCAA Property Assessment ( most recent )

Proof of fire insurance

Purpose of additional funds - if this is for a home improvement project, we will require a contractor's estimate.

Remember, our lenders require the above information as quickly as possible. This is to ensure that we obtain the best mortgage rates and terms for you.

The above is common practice and might change in every situation so please contact me to get appropriate information.

 

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