Mortgage Products
Purchases
Whether you are a first time buyer or seasoned afficionado, I can help you navigate the home buying process. Not all mortgages are one size fits all, so taking the time to discuss your current and future needs will allow me to help you find a mortgage that works for you. Typically a home purchase will be the biggest investment you will ever make so sit down and take the time to ask questions, plan for the future and make sure that the mortgage I secure for you is the right one for your needs.
Renewal
Are higher interest rates making your nervous about your mortgage renewal? Your current lender is going to send you a renewal agreement that will be easy to just sign and return. But is it the most competitive rate on the market? Is cash flow more important in your current situation than decreasing your amortization? With the new mortgage rules, you’re able to re-amortize at renewal time in most cases to ensure that you can afford your payment. Call me today to discuss your financial needs and find you the best options.
Refinances
Do you need to unlock some of the equity in your home to build an income suite, renovate your home, consolidate debt, help fund your child’s education, or purchase another property? An equity take out may be the solution and I have many options available that will suit your situation.
Construction Mortgages
Before you start building your dream home, take the time to go over the options that I have available. Every lender has their own guidelines when it comes to construction loans so take the time to sit down with me and let me help you find a suitable mortgage that works for you.
Consolidate Debt
If you are finding that you are trying to pay down debt but don’t seem to be making any headway, perhaps now is the time to use the equity in your home to clear out those high interest credit cards and start planning for your future. I’m happy to work with you to find the best solution that makes the most sense.
Bruised Debt
Life happens but it’s how we deal with it that decides how we move forward. If you’ve experienced problems with your credit or had a previous bankruptcy, I may be able to help.
Reverse Mortgage
A Canadian reverse mortgage is a financial product designed for homeowners aged 55 or older who want to access the equity in their home without selling it or taking on monthly payments. There are several lenders offering this type of service so it has become much more competitive
as far as interest rate and terms. The amount you can borrow will depend on your age and the home’s value and location. You retain full ownership and the loan is repaid when you sell your home. You can receive the funds in either a lump sum payment, with scheduled payments or both. There is a lot to consider with reverse mortgages and I would be happy to sit with you to
discuss
