Mortgage services
Mortgage solutions for every stage.
Buying, renewing, refinancing or building a life in a new country. Each situation has its own rules and its own best path. Start with the one that fits you.
01
Purchase & pre-approval
Know your real budget before you make an offer, with a pre-approval and a rate hold where available.
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First-time home buyers
Down payment, FHSA and RRSP options, Quebec closing costs and the welcome tax, explained step by step.
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Renewal & switch
Compare your lender's renewal offer with the market before you sign, and switch if the numbers make sense.
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Refinance
Use home equity for renovations, investments or a better structure, with the full cost laid out first.
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Debt consolidation
Combine credit cards and loans into your mortgage when it truly helps, with the long-term trade-offs explained.
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Self-employed mortgages
Business owners, contractors and commission earners. Your income, presented the way lenders read it.
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Newcomers to Canada
Permanent residents and eligible work-permit holders, even with a short Canadian credit history.
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Plex & rental properties
Duplex and triplex financing, investment properties, and how lenders count rental income.
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Private & alternative lending
Short-term options when a bank says no, always with a clear cost and a plan to move back to a regular lender.
Learn moreHow it works
From first call to the notary, without surprises.
01
Discovery call
Your goal, timeline, income type and down payment. 15 to 20 minutes, no commitment.
02
Your checklist
A personal document list for your situation, shared through a secure channel.
03
Options compared
Rate, term, prepayment rights and penalties side by side, so you choose with the full picture.
04
Approval to keys
Lender conditions handled and your realtor and notary coordinated until funding.
Your next step