Want to ask something from us?
Unlike a single bank, we have access to a vast network of top-tier lenders, allowing us to shop around for the best rates and terms specifically for your financial profile.
Yes, all our advisors are fully licensed professionals with deep expertise in the Canadian mortgage market.
In most standard residential cases, the lender pays our fee, meaning our expert guidance comes at no direct cost to you
Absolutely. We specialize in “Self-Employed Mortgages,” using alternative documentation to prove income that traditional banks often overlook.
Yes, we provide “Bad Credit Mortgage” solutions and work with private lenders to help you secure financing while you rebuild your credit.
A pre-approval gives you a clear budget and locks in an interest rate for up to 120 days, showing sellers you are a serious and qualified buyer.
Typically, you’ll need proof of income (pay stubs/NOAs), identification, and details regarding your down payment or existing property.
While every case varies, we aim for a rapid assessment, often providing initial feedback within 24 to 48 hours of receiving your full documentation.
A formal credit pull is eventually required for a firm approval, but we start with a consultation to minimize unnecessary credit inquiries.
A renewal is simply signing a new contract when your term ends; refinancing involves breaking your current mortgage to access equity or change your loan terms.
the minimum is 5% for the first $500,000 of the purchase price, but 20% or more is required to avoid mortgage default insurance (CMHC).
You should start looking at your options about 4 to 6 months before your current term expires to ensure you aren’t stuck with your current lender’s posted rates.