First Time Home Buyer
Begin Your Homeownership Journey with Confidence and Excitement
The experience of buying your first home is a moment of utter celebration and not challenging. Our first-time home buyer mortgage programs are set up to make things easier. We will assist the buyers in developing the down payment process, government incentives, loans and rebates.
Buying the home is a big event for homeowners, and our team always assists you with specific things like:
- Application for pre-approval
- Understanding the closing costs attached to the transaction
- Finding the right mortgage for your financial situation and desired outcome
Second Mortgage
Tap Into Your Home’s Value with a Second Mortgage
A second mortgage gives several options which improve financial flexibility by unlocking funds. This process is based on the equity that people accumulate in their houses. Whether you want home renovations or consolidate high-interest debt, pay for an education or deal with unforeseen situations, this option always gives access to capital. However, it still maintains the original mortgage on your home.
Our second mortgage products provide competitive rates and flexible terms. It depends on the individual’s needs. Our team will guide you through the qualification process, potential tax impacts, and how to structure the maximum benefits or minimise the costs.
Private Mortgage
Alternative Financing Through Private Mortgage Options
Private mortgage options offer viable alternatives when traditional banking options do not fit your particular situation. Private mortgages are great options if you are self-employed, have credit challenges, require expedited financing for urgent opportunities, or have miscellaneous income types.
Our network of vetted private lenders will allow for flexible qualification options and will create customised solutions for your needs. Private mortgages typically have higher interest rates; however, they provide critical access to funding when traditional options are unfeasible, as well as being potential entry points for conventional financing in the future.
Rent to own (Investment Properties)
Building Equity Through Innovative Rent-to-Own Programs
This innovative approach is great for homeownership when traditional mortgage qualification is not an option. Rent-to-own applies to the situation where a homebuyer rents a property but has the option to purchase it in future. Here, a portion of the monthly payments goes towards a down payment if the owner purchases it.
It is a way to move the homeownership goal ahead while you are working on the:
- Credit
- Saving for down payments
- Find steady employment
Our team will make adjustments which protect you while maintaining the timeframe for the ownership and gives you time to prepare financially for the future home.
Refinance
Optimise Your Mortgage Through Strategic Refinancing
Mortgage refinancing options will give you a chance to rethink your current home loan in light of your current financial situation. Whether it is to lower monthly payments, reduce your interest rate, lessen your amortisation period, or consolidate debt, mortgage refinancing presents an opportunity to enhance your financial position.
The refinancing professionals care about your finances and will review your current mortgage and goals to gauge your readiness to refinance. They will also walk you through all the costs and savings involved with refinancing, and then, most importantly, help you navigate the approval process, so you achieve the maximum they can offer you for your finances by refinancing.
Equity Take out
Access Your Home’s Built-Up Value with Equity Take-out Solutions
An equity take-out allows you to take some of the equity your home has appreciated over time and turn it into funds you can use for cash. You can use the funds for whatever you want – to renovate your home, education, a potential investment opportunity, debt consolidation, etc. To help you with an equity take-out, we have designed our products to help you borrow the funds you need while having a manageable payment structure in place. As part of an equity take-out, we can help you understand how much equity you can take, the impact on your overall mortgage, and how it can fit within your overall financial plan to ensure this packing supports your long-term plans.
Investment
Expand Your Portfolio with Specialised Investment Property Financing
Mortgages for investment properties require experience and foresight to maximise your profits and mitigate any risk. Seeing as these mortgage options usually require a larger down payment, as well as differing qualification criteria, there are different pieces of information that the various lenders will potentially require for an investment mortgage than they would for your primary residence.
Our team members that looks after the investment properties understands the different factors which are involved with income properties like cash flow and tax implications. On the other hand, we help clients to structure their mortgage for getting optimal returns on investment. It happens whether you are purchasing first rental property or acquiring another property in the portfolio.
Therefore, when people are structuring their mortgage, our team will consider things like anticipated rental income, desired appreciation or investment goals.
Commercial Mortgage
Fund Your Business Growth with Tailored Commercial Mortgage Solutions
Whether you’re buying or refinancing office space, retail space, industrial buildings or multi-units, commercial mortgage products offer the opportunity to build ownership of business property. Commercial mortgages are not structured the same way as personal mortgages, with terms designed to match the operations and growth expectations of businesses.
The commercial mortgage experts understand the complexity involved in financing any business property, including valuation considerations and cash flow matters. Our commercial mortgage team will take you through the entire journey of securing financing based on your needs to get the right mortgage terms to meet your business objectives, while mitigating risk and preserving capital for operational needs.
Rental Mortgage
Specialised Financing for Your Rental Property Investments
Rental mortgage programs target properties that will generate rental income. These alternative loans have the same qualifying process as any other property loan, but also incorporate your account profile for qualification and terms, and the potential rental income from the property. Whether you’re buying a single-family rental, duplex, or multi-unit building, our rental property financing programs will help you look at the relationship between cash flow and potential value appreciation.
Where applicable, we can discuss lender requirements, understand debt service coverage ratios, and construct your financing not just for your investment properties, but to optimise cash flow and maximise equity over the term of the property.
Reverse Mortgage
Enhance Your Retirement with Thoughtful Reverse Mortgage Planning
The reverse mortgage offers homeowners who are 55 years of age or older access to the value in their homes without any monthly payments. Here, it is a unique financial tool which supplements retirement income that allowing us to modify the home for ageing in place. It also assists us in health care expenses or gives peace of mind in financial terms. The principal amount becomes due for repayment when the client sells the home and moves out of the home or when the borrower dies.
Here, the experts spend time explaining the options available, like the cost involved in the process or the impact on estate planning. Our team members help you and your family understand the benefits and costs so you can take advantage of the reverse mortgage loan.
HELOC
Flexible Borrowing Power with a HELOC
(Home Equity Line of Credit)] provides you access to any equity of your home on a revolving basis with the freedom to borrow, repay, and borrow again as you see fit. A HELOC operates similarly to a credit card secured by your property instead of a traditional loan with a fixed amount. You may borrow up to the authorised amount and use it for multiple expenses, such as ongoing expenses like home renovations or education expenses, or as a potential reserve for an emergency fund.
We will help explain how interest is figured, the difference between a draw period and a repayment period, and show you how to utilise this financial tool responsibly to protect your equity in your home.
Switch Mortgage
Improve Your Mortgage Terms with a Strategic Switch
[Paragraph] Switch mortgage services give you the ability to move your current mortgage to a new lender to obtain better terms without having to go through a full refinancing process. It is especially valuable when you can get a lower interest rate, better prepayment privileges, or more favourable terms without changing the amount or amortisation period of the mortgage you are moving.
Our switch mortgage team will look at the terms you have and what alternatives exist to assess whether switching your current mortgage makes financial sense. We will walk you through the process, explain any costs that may apply to the process, and make sure it is appropriate and beneficial to your overall financial position.