Your pathway to homeownership with competitive rates and flexible terms. Whether you're buying your first home, upgrading to a larger property, or refinancing your existing mortgage, we help you find the right financing solution at the best rates available.
A home purchase mortgage is a loan used to purchase residential property. You borrow money from a lender, and in return, you agree to repay the loan with interest over a set period (typically 5-30 years). The property itself serves as collateral for the loan.
Home purchase mortgages are the most common way Canadians finance home purchases. They come in various forms—fixed-rate, variable-rate, open, or closed—each with different benefits depending on your financial situation and goals.
Your interest rate stays the same throughout your term, providing predictable monthly payments.
Your interest rate fluctuates with market conditions, potentially saving money in declining rate environments.
You're locked in for the term with limited flexibility but typically better rates.
You can pay off your mortgage anytime without penalty, offering maximum flexibility.
We review your finances and determine how much you can borrow. This strengthens your offer when making an offer on a home.
Work with a real estate agent to find a property that fits your budget and needs.
Submit an offer on the property. Your pre-approval letter shows the seller you're a serious buyer.
The lender orders an appraisal to ensure the property value supports the loan amount.
Have a professional inspect the property to identify any issues or needed repairs.
Lender reviews all documents and gives final approval. You lock in your interest rate.
Sign documents, transfer funds, and receive the keys to your new home!
Let's find you the best mortgage rates and terms. Schedule your free consultation today.
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