Our mortgage services include:
Pre-approval for Home Purchase Financing
Get pre-approved for a mortgage before you contact your Realtor! Together we will determine your maximum purchase price, and create a repayment plan that you can afford. Pre-approval will also secure an interest rate for you, so that you are protected from potential interest rate increases while searching for your new home. Rates can be guaranteed for up to 120 days from the date of the approval.
Mortgage Renewal
Plan your mortgage renewal as early as 4 months prior to your renewal date. Take advantage of lenders' no-fee switch programs, where the new lender pays for all your transfer costs. You won't have to change your bank account, and the transfer paperwork is minimal.
Mortgage Refinance
You may actually save money by breaking your mortgage prior to the maturity date, and incurring a prepayment penalty in order to obtain a lower rate. For a complimentary cost/benefit analysis, please contact us with your mortgage details.
Financing For Investment
Leverage your investments and defer taxes; or purchase an investment property, or vacation home. Working with your Financial Planner, we will restructure your debt to maximize your asset portfolio, while minimizing personal income taxes.
Debt Consolidation
Access low interest rates to pay off higher-interest debts from credit cards, student loans, car loans, and other financial obligations. You can borrow up to 85% of your home's current market value (on approved credit).
Other Products
- Secured Lines of Credit:
- Set up with the repayment of interest only on the outstanding balance. Have lifetime access to a floating limit with just a one-time set up fee and credit application.
- Secured VISA:
- To establish credit, or to rebuild your credit after a bankruptcy. Your security deposit virtually guarantees your approval, and your credit limit is set at the amount of your deposit. Once you cancel your card, your deposit is returned to you - with interest.
- Equipment Leasing:
- Please call for details.
