Our Services

RESIDENTIAL MORTGAGE

A mortgage is a loan given by a bank or mortgage lender to help you buy a home. It can allow you to get into a home sooner than if you had to save up for the whole purchase price. The house acts as collateral for the money you are borrowing. We specialize in guiding you through the home-buying process, ensuring you have the best advice to qualify for your new home. Our team is dedicated to understanding your unique needs and providing personalized support every step of the way. From navigating financing options to finding the perfect property, we are here to help you make informed decisions.

• First-time Home buyers

• New To Canada

• Refinancing

• Switching/Transfer mortgage

• Self-employed

• Purchase plus improvements

• Second mortgage

• Building Garage, Basement, Nanny suite

COMMERCIAL MORTGAGE

Starting your own business or investing in commercial properties can be a rewarding venture that opens up numerous opportunities. Whether you choose to build or buy, careful planning and research are essential. It’s important to evaluate the location, property condition, and market trends before making a purchase. Whichever path you choose, having a clear strategy and understanding the financial implications will help you navigate the challenges of entrepreneurship and real estate investment successfully.

• Retail Commercial property

• Land purchase/development

• Daycares, restaurants, Gas station etc

• Multi-Residential building (CMHC's MLI Select)

• Multi-used, Agricultural land

BUILDER'S CONSTRUCTION LOAN

A builder's construction loan is a crucial financial tool for those embarking on new construction projects, especially for those who may lack extensive experience in the field. Typically, these loans offer progress draws, allowing the borrower to receive funds at various stages of the construction process, thus ensuring that the project remains on track financially. With a down payment requirement ranging from 5% to 20%, this type of loan can be accessible for a broader range of builders and developers. By securing a construction loan, even those new to the industry can effectively manage their cash flow and make timely payments to contractors and suppliers, ultimately facilitating the successful completion of their building projects. This financial support can be pivotal in turning building dreams into reality, regardless of previous experience in construction. RESIDENTIAL & COMMERCIAL

PRIVATE MORTGAGE

Private or 'hard money' lending is a financial arrangement where short-term loans are secured by real estate assets. These loans typically have a duration ranging from six to twenty-four months, though some may extend beyond that period. One of the key features of such loans is their flexibility in terms of repayment; borrowers may opt for interest-only payments, which allow them to pay only the interest accrued during the loan term, or choose an amortizing structure, where both principal and interest are paid off gradually. This type of financing is often sought by real estate investors looking for quick access to capital without the lengthy approval processes associated with traditional bank loans.

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