We partner with the leading banks, trust companies and mortgage lending institutions to make your mortgage transaction happen quickly and easily by using an industry proven process to underwrite your mortgage. The selections of product are important to your financial freedom and since we have built strong and trusting partnerships with so many lenders we ensure your mortgage will be handled personally by our underwriting team.

Our advice is unbiased, focusing on servicing your needs and getting you the lowest rates for mortgages, credit cards and equipment leases.

We work with all of the major banks, credit unions, trust companies, mortgage investment corporations as well as private lenders. Our services cost nothing to you because we are paid by the lending institutions.

On average we save our clients thousands during the life of their mortgage. We can do the same for you!


Need a Refinance Mortgage For Your Home? We have a mortgage for that!

If you are refinancing your home you should have simple, flexible and affordable options. With our Mortgage Refinance Program you will be able to access up to 85% of your home equity. This is a great low interest alternative to paying high interest in credit card debt, renovating your home or when you need access to money for your life, like college tuition or to purchase a second property.

What is a refinance mortgage ?

Mortgage refinancing means paying off your existing mortgage and replacing it with a new one. The mortgage is not moved, changed, or ported, it is simply paid off and a new one created.

When would you need mortgage refinancing?

There are many reasons a homeowner would require mortgage refinancing: To lower the interest rate on your mortgage; to work with a different mortgage lender; To convert from a fixed rate to a variable rate; to change or shorten the term of a mortgage; to make a large payment larger than allowed; to obtain a new mortgage with better payment privileges.

Some reasons to consider mortgage refinancing

  • Securing a Lower Interest Rate
  • Shortening the Mortgage Term
  • Converting Between an Adjustable-Rate and Fixed-Rate Mortgage
  • Tapping Equity and Consolidating Debt

An average mortgage in Canada lasts 3.5 years. That means every three and one half years, homeowners are going through some significant change that will require a new mortgage. This could be purchasing a new home and choosing a different lender. Let’s say you purchase a home where your downpayment is lower or higher and your financial institution has changed some rules to downpayment and you can now obtain a better mortgage from another lender. You would be in a position of mortgage refinancing. Or let’s say that you got a promotion from your employer and you now make significantly more than you did before, you may wish to be in a mortgage financing position because you can now pay a larger lump-sum annually and would require that capability. If your existing mortgage doesn’t allow the lump-sum payment you want to put down, you may wish to explore mortgage refinancing.

Does mortgage refinancing cost more than keeping my existing mortgage?

In some cases it may make sense to keep your existing mortgage and perhaps consider a second mortgage but in other cases you may benefit from mortgage refinancing because the penalties may still save you thousands over the term of your mortgage.

Mortgage Refinance

A  Mortgage Refinance can save you thousands if you make a few adjustments to how you handle monthly debt. Here’s an example of saving $1408 every month! That’s $16,896 of extra money you will have at the end of one year.

Current Mortgage

Current Mortgage

Home Value $450,000

Current Interest Rate 3.2%

$250,000 Current Mortgage – Monthly $1200

$33,000 Car Loan – Payment $745/month

$28,000 Credit Cards 19% int. $840/month

Total $2,785/month

Our Second Mortgage Rates Start At: 5.99%

Mortgage Renewal

By shopping around at renewal time you can save a substantial amount of money over the life of your mortgage loan. Your mortgage is one of your biggest expenses and nearly 60% of Canadians simply sign and send back their renewal, without ever shopping around for a more favourable option. Don’t be one of the 60% who just simply sign their renewal letter, send it back and loose thousands of dollars by not negotiating a better rate.

Homeowners should never accept the first renewal offer letter from their bank. Evaluate your options four to six months before your mortgage comes up for renewal. It’s smart to get a second opinion and most definitely will save you money and headache in the long run.