Fixed Rate Mortgages 1,2,3,4,5, 7 and 10 year terms are available. Lock into a Fixed Mortgage rate for the term of your mortgage. Benefits: monthly payments are always the same (easy for budgeting), if Interest rates go up you are protected from paying more.

Variable Rate Mortgages These are for clients who do are comfortable with fluctuations in interest rates, and monthly payments. Benefit of variable rate mortgages is when rates are low your payments are lower and you pay less interest. However, if interest rates rise, you may pay more. Many lenders will allow you to lock into a Fixed Rate mortgage with no penalty. This is called an Adjustable Rate Mortgage (ARM).

Self-Employed Mortgages are available to self-employed individuals with as little as 5% down. Income qualification can be based on stated income.

Rental Properties Mortgage laws in Canada are changing regarding rental properties in Canada. Contact one of our mortgage Agents for more details.

Commercial Properties Office, retail, multi-unit residential, Industrial,investment properties. Each Commercial deal is assessed individually and our Mortgage Specialists will match each deal with the most appropriate lender.

2nd Mortgages Second mortgages are often a very good solution to take equity out of your home without paying a large penalty to refinance. Second mortgages are often also used in purchases where a lender will not go beyond a certain loan to value.

Home Warranty Program Free one year in home warranty program is available on new mortgages. “Gain access of up to $10,000 in home repair services for 12 months free” Heating & air conditioning systems, electrical systems, water heater, plumbing. **some conditions apply and only offered by certain lenders*** Ask your Mortgage Agent for details!

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