Is there a cost to using a Mortgage Broker?

Our services are paid for by the lender and there is no cost to you, the client. In special circumstances when a fee might be involved, you will be told upfront and it is your decision if you would like to proceed.

Fixed or Variable?

A fixed rate means you are locked in for a term and your payments and interest will not change. A variable rate means that the rate will fluctuate, along with the Bank of Canada Rate. There are two types of variable rates and we will walk you through all of your options. We want to make sure that you fully understand your choices, so you can make an informed decision.

How much money do I have to have for a downpayment?

Down payment required for a primary residence is 5% for the first $500,000 and 10% for the portion between $500,001 to $999,999. Anything over $1,000,000 you will need at least 20% down. Gifted down payments can be allowed and we are happy to discuss all of your potential options.

I work for myself, will I still qualify?

We work with over 50 lenders and are happy to match you with one that allows business for self income.

What if I have poor credit?

Having poor credit or past bankruptcies can pose challenges. However, we are dedicated to finding an investment solution. If we don’t think it will be possible to get you into something right now, we will strategically help come up with a plan to get you into a home in the near future.