Services
Pre-Approval / Purchase
The best way to start with a new home purchase.
We can provide a maximum mortgage amount, associated payments, and hold interest rates, so you can comfortably begin your home search. A pre-approval also allows us to offer some advice while we review your application.
First-Time Buyer
We love working with first-time buyers as educating clients is our favourite part of the job. We'll explain the end-to-end process of purchasing a home, not just as it relates to mortgages. This will give you confidence as you move through each step, and allow you to actually enjoy the experience!
Refinance / Home Equity Line of Credit
Need to access some the equity in your home? In times of lower interest rates, a refinance is very popular, as you can lower your rate AND tap into your equity at the same time. When rates are higher than your existing rate, you may want to look at a HELOC (Home Equity Line of Credit) or Second Mortgage Product, provided your lender offers one with competitive rates. We'll help make sense of your options.
Renewal / Transfer
Lenders don't typically offer best rates when renewing.
Once you're within 4 months of your maturity date, that's the time to start rate shopping again.
A new lender will typically cover all associated fees with a transfer, so rate shopping at renewal will cost you nothing, and likely save you money by way of better rates. Let us do that rate shopping for you.