Expert Mortgage Solutions

First-Time Homebuyers

First-time homebuyers can access a variety of mortgage products tailored to make their first home purchase more attainable. CMHC offers support through mortgage loan insurance, which can help buyers with lower down payments. Programs like Sagen’s Homebuyer 95 cater to those with less than 20% down, providing a stepping stone into homeownership.

 
Welcome mat with 'First Home' text indicating first-time home buyer mortgages. First Time Home Buyer Incentives

Investment Property Mortgages

Investment Property Mortgages are designed for individuals looking to purchase properties as investment opportunities. These mortgages may have different criteria and rates compared to residential mortgages, given the distinct nature of property investment. They are ideal for those looking to expand their real estate portfolio or earn rental income.
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Mortgage Refinancing

Mortgage Refinancing allows homeowners to access better interest rates or different mortgage terms. This option is beneficial for reducing monthly payments, consolidating debt, or accessing home equity for large expenses. Refinancing can be a strategic financial move to align with changing personal or market conditions.

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Vacation and Second Home Mortgages

These mortgages are specifically for purchasing second homes or vacation properties. They might have unique terms and requirements, considering these properties are not the primary residences. This product is ideal for those looking to own a holiday home or an additional property for part-time living.

Vacation home deck with woman entering, related to second home mortgages.

Mortgages for the Self Employed

Tailored for entrepreneurs and business owners, these mortgages cater to individuals with non-traditional income streams. Understanding the unique financial situations of self-employed individuals, these products often require different documentation and have distinct approval criteria.

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Mortgages for New Canadians

Sagen’s New to Canada Program, for example, helps new residents in buying a home, even with limited Canadian credit history. These mortgage products are designed to ease the transition for new immigrants, helping them to secure a home and establish roots in Canada.

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Repair Your Credit & Secure Your Mortgage

This service focuses on assisting individuals with less-than-ideal credit scores to improve their financial standing. By repairing credit, potential homeowners can increase their chances of mortgage approval and access better rates and terms.

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Mortgage Renewals

Mortgage Renewals come into play at the end of a mortgage term, allowing homeowners to renegotiate their mortgage at current market rates. This is an opportunity to reassess financial goals and potentially secure more favorable terms based on changes in income, lifestyle, or market conditions.

Hand drawing a clock with 'TIME TO RENEW' text, about mortgage renewals.

Home Equity TakeOut

A Home Equity TakeOut involves borrowing against the equity built up in a home. This can be used for a range of purposes, including home improvements, investments, or debt consolidation. It’s a flexible financial tool for homeowners who have accumulated significant equity in their property.

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Some of our lenders:

  • AVEO
  • B2B
  • BLOOM
  • CMLS
  • COMMUNITY TRUST
  • DESJARDINS
  • DUCA
  • EQUITABLE
  • EXCALIBUR
  • FIRST NATIONAL
  • FIRST ONTARIO
  • CREDIT UNION
  • FIRST WEST
  • CREDIT UNION
  • FRACTION
  • HAVENTREE
  • HOME TRUST
  • ICICI
  • KDK
  • LENDWISE
  • MANULIFE
  • MARATHON
  • MCAN
  • MCAP
  • MERIDIAN
  • RADIUS
  • RFA
  • RFA ALTERNATIVE
  • RMG
  • SCOTIA
  • STRIVE
  • TDCT

 

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