Rather than putting all your eggs in one basket at one interest rate, depending on your situation we’ll usually advise splitting your mortgage across different terms and rates. We’re pretty clued up about the economy and rate movement so we’ll help you make an informed decision.
New to Canada
Just because you are a new immigrant does not mean that you have to wait to purchase a home. If you have been in Canada for less than three years, have landed immigrant status, and have been employed in Canada for a minimum of three months, you can qualify for a mortgage.
We’ll help you find the best rates and best mortgage options to help you buy your home.
First Time Home Buyers
Buying a home is an exciting time! You’re about to take a big step so you’ll definitely need some advice from a mortgage professional. We’ll give you the facts your bank won’t tell you about financing your next purchase. With access to multiple lenders, we’ll help you find the best rates and best mortgage options to help you buy your dream home.
Self - Employed
When it comes to mortgages, it hasn’t always paid to be self-employed – because reducing your taxable income can make it difficult to qualify for the mortgage you deserve. We understand business owners because we’re business owners as well!
What’s better, we have a long list of institutional and private lenders that offer excellent mortgage options for self-employed Canadians. These lenders in Canada understand that self-employed individuals have tax write-offs creating significant reductions in their declared income. With these mortgage lenders, you will not be required to prove your income and a reasonable estimate of your annual income will be acceptable.
Commercial Mortgages
We have commercial mortgage products that provide competitive rates, flexible financing and innovative solutions to meet your business needs. Our commercial funds range from $100-thousand to $50-million from various lenders, therefore we can tailor our lending requirements to meet you needs.
Up to 75% of the structure value can be approved in minutes after proper documents are in hand.
Credit Improvement
“Life is what happens when you’re busy making other plans.” … and sometimes things get out of control. We see all kinds of credit ratings every day and we have the strategies to help improve and even heal, damaged credit. You may be surprised to know that you can still obtain a mortgage. Whether you’ve had a bankruptcy or your credit is only slightly bruised, you can still obtain financing. No worries, we’ll handle all the details.
As mortgage professionals, we have access to non-traditional lenders who offer financing solutions to individuals who have some credit challenges that cannot be addressed by the major financial institutions. Together we can quickly assess your situation and decide on the best way to move forward. The worst you can do is do nothing.
IJARA / Islamic Mortgages
The term Ijara literally means rent, the Sharia process is known as Ijara-wa-Iqtina , rent with an acquisition or rent to own. The process of Ijara can be used for equipment as well as property. This Islamic finance process is very simple. A single asset Trust is created whereby the Trust purchases the property, and then leases the property to the customer.
A portion of each monthly payment goes towards ownership, until the customer owns 100%. The basic difference between a Sharia Ijarah-wal-iqtinah Islamic loan process and a conventional lease is the Ijarah process obligates the Trust (seller) to sell the property to you under a Promise to Purchase. While the same contract entitles the customer to purchase the property, the customer is not obligated to do so.
High Standards, Happy Customers.
