MORTGAGE
SERVICES

We offer curated mortgage services designed around your needs. Whether you're buying your first home, refinancing, or eyeing an investment property.

No jargon. No pressure. Just clear answers and honest advice.

GET PRE-APPROVED TODAY

OUR
MORTGAGE EXPERTISE

Expertise

FIRST TIME HOMEBUYERS

We simplify the process, from understanding financing options to securing the best rates, so you can feel confident buying your first home.

REFINANCING

Lower your payments, secure better rates, or tap into your home equity. We’ll help you find the best refinancing solution for your goals.

INVESTMENT PROPERTIES

Looking to expand your real estate portfolio? We offer solutions to help you maximize your returns and make smart, informed investment decisions.

HOME EQUITY LOANS & LINES OF CREDIT

Access the equity in your home for major expenses like renovations or education. We’ll guide you to the best option for your financial needs.

SELF-EMPLOYED

Navigating mortgage options as a self-employed individual can be tricky. We’ll work with you to find the right solution based on your income and business structure, making sure you get the financing you deserve. In fact, this is our niche!

MORTGAGE PRE-APPROVAL

Get pre-approved to know your budget and gain a competitive edge when shopping for a home. We’ll make the process simple and clear.

List Title

Exterior of a modern white home with glass and greenery

Ready To Buy

READY TO BUY?

HERE'S WHAT YOU NEED TO KNOW.

5 THINGS TO KNOW BEFORE YOU APPLY FOR A MORTGAGE?

Check Your Credit Score A good credit score helps secure better rates. Aim for a score of 680 or higher, but even if your score isn’t perfect, you still have options. Understand Your Budget Before applying, determine how much you can afford. Your mortgage payment should be no more than 30% of your gross monthly income, factoring in taxes and insurance. Save for a Down Payment While 20% is typical, many loans allow less. Aim for at least 5-10%, but know that your down payment will affect your monthly payments. Know Your Loan Options Explore fixed-rate, variable-rate, and understand your pre-payment options and penalties. Each has pros and cons depending on your financial goals. Get Pre-Approved Pre-approval gives you a clear idea of how much you can borrow and shows sellers you’re serious. It’s an essential step before house hunting.
HOW TO CHOOSE THE RIGHT MORTGAGE FOR YOUR SITUATION?

Consider Your Financial Stability If you have are on a fixed income and need the reassurance of staying on budget, a fixed-rate mortgage may be best, providing consistent payments. If your income can handle fluctuations, a variable-rate or adjustable-rate mortgage could work. Evaluate Your Long-Term Plans Plan to stay in the home for a long time? A fixed-rate mortgage offers stability. If you’re planning to move in a few years, a variable-rate mortgage might save you penalties if you need to break your mortgage early. Amortization This is the lifespan of the mortgage. They typically range from 25 to 30 years. A shorter amortization means higher payments but less interest over time. A longer amortization means lower payments but more interest. Look for Programs You Qualify For There are programs like the First Home Savings Account (FHSA), and Home Buyer Plan (HBP) among others that can help you save. Work with a Trusted Expert A mortgage expert can help you compare options and find the best fit for your specific situation, saving you time and money in the long run.
FIRST-TIME HOMEBUYER’S CHECKLIST:

Get Your Finances in Order Review your credit score, save for a down payment, and gather documents (pay stubs, bank statements) for the mortgage application. Know What You Can Afford Factor in not just the mortgage but also property taxes, strata fees, homeowner’s insurance, heat and maintenance costs. Aim for a home within 30% of your gross monthly income. Get Pre-Approved Speak to a mortgage expert and get pre-approved. This step shows sellers you’re serious and helps set your budget for house hunting. Start House Hunting Consider location, amenities, and whether the home meets your long-term needs. Don’t forget to get an inspection to ensure the home is in good condition. Review Loan Options & Closing Costs Compare mortgage types and interest rates. Be aware of closing costs (2-5% of the home’s price), and make sure you’re comfortable with the total investment.

Reviews

OUR CLIENTS

Karen provides excellent guidance during the renewal process. She outlined mortgage recommendations and maintains great communication. She genuinely cares about people and it shows in her work.

Fred Opong

FAQ

GET
ANSWERS

5 THINGS TO KNOW BEFORE YOU APPLY FOR A MORTGAGE?

Check Your Credit Score A good credit score helps secure better rates. Aim for a score of 680 or higher, but even if your score isn’t perfect, you still have options. Understand Your Budget Before applying, determine how much you can afford. Your mortgage payment should be no more than 30% of your gross monthly income, factoring in taxes and insurance. Save for a Down Payment While 20% is typical, many loans allow less. Aim for at least 5-10%, but know that your down payment will affect your monthly payments. Know Your Loan Options Explore fixed-rate, variable-rate, and understand your pre-payment options and penalties. Each has pros and cons depending on your financial goals. Get Pre-Approved Pre-approval gives you a clear idea of how much you can borrow and shows sellers you’re serious. It’s an essential step before house hunting.
HOW TO CHOOSE THE RIGHT MORTGAGE FOR YOUR SITUATION?

Consider Your Financial Stability If you have are on a fixed income and need the reassurance of staying on budget, a fixed-rate mortgage may be best, providing consistent payments. If your income can handle fluctuations, a variable-rate or adjustable-rate mortgage could work. Evaluate Your Long-Term Plans Plan to stay in the home for a long time? A fixed-rate mortgage offers stability. If you’re planning to move in a few years, a variable-rate mortgage might save you penalties if you need to break your mortgage early. Amortization This is the lifespan of the mortgage. They typically range from 25 to 30 years. A shorter amortization means higher payments but less interest over time. A longer amortization means lower payments but more interest. Look for Programs You Qualify For There are programs like the First Home Savings Account (FHSA), and Home Buyer Plan (HBP) among others that can help you save. Work with a Trusted Expert A mortgage expert can help you compare options and find the best fit for your specific situation, saving you time and money in the long run.
FIRST-TIME HOMEBUYER’S CHECKLIST:

Get Your Finances in Order Review your credit score, save for a down payment, and gather documents (pay stubs, bank statements) for the mortgage application. Know What You Can Afford Factor in not just the mortgage but also property taxes, strata fees, homeowner’s insurance, heat and maintenance costs. Aim for a home within 30% of your gross monthly income. Get Pre-Approved Speak to a mortgage expert and get pre-approved. This step shows sellers you’re serious and helps set your budget for house hunting. Start House Hunting Consider location, amenities, and whether the home meets your long-term needs. Don’t forget to get an inspection to ensure the home is in good condition. Review Loan Options & Closing Costs Compare mortgage types and interest rates. Be aware of closing costs (2-5% of the home’s price), and make sure you’re comfortable with the total investment.