Financing for the way you live
Mortgage Services
From first homes to family camps, our team helps you compare options from a wide range of lenders and choose a mortgage that fits your plans. Advice is free, with no obligation.
Our services
Home purchases
Whether it's your first home or your next one, we'll help you understand what you can comfortably afford, get pre-approved, and compare mortgage options from a range of lenders. We explain terms, payment options and prepayment privileges in plain language, then stay with you through to closing.
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Good to know: a pre-approval helps you shop with confidence, but final approval always depends on the property and the lender's review.
Investment properties
Buying a rental home, duplex or small multi-unit property? Lenders look at rental income, down payment and your overall finances differently for investment properties. We'll help you find lenders whose rules fit your plans, whether it's your first rental or you're growing a portfolio.
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Good to know: investment properties usually need a larger down payment than a home you live in.
Vacation properties, camps & cottages
Northwestern Ontario is camp country. Seasonal and rural properties can raise questions about road access, water, heating and year-round use, and not every lender will finance them. We know which lenders will look at camps, cottages and recreational properties, and what they'll need to see.
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Good to know: lender rules vary a lot for seasonal properties, so it pays to talk to us before you make an offer.
Second homes
Want a place closer to family, work or school, or a home for a family member? We'll help you finance a second home alongside your current mortgage and look at how the two fit together in your budget.
Refinances
Refinancing lets you use the equity you've built to consolidate higher-interest debt, pay for renovations, or plan for a large purchase or investment. We'll help you weigh the costs, including any prepayment penalty, against the benefits before you decide.
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Good to know: we'll look at your whole picture, including timing around your renewal date.
Home equity lines of credit (HELOC)
A HELOC gives you flexible access to your home's equity. Borrow what you need, when you need it, up to an approved limit, and pay it back on your schedule. Many clients use one for renovations, emergencies or future opportunities.
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Good to know: a HELOC can be set up on its own or combined with your mortgage.
Offered with your mortgage approval
Mortgage Protection Plan: life & disability insurance
Your home is likely your biggest investment. When your mortgage is approved, we can also offer optional Mortgage Protection Plan coverage. Life insurance can help pay off your mortgage if you pass away, and disability insurance can help with your payments if illness or injury keeps you from working.
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Good to know: coverage is optional and subject to eligibility and the terms, conditions and exclusions of the policy. We'll walk you through the details so you can decide what's right for your family.