People don’t fit in boxes

If you need a mortgage, you can try and fit into the neat little boxes at the bank, or you can come to us first. We don’t have boxes, we have solutions!

Self-employed? We have access to lenders that specialize in self-employed mortgages and understand what they are looking for. 

Recently separated? We’ve got options that can give both partners a fresh start.

Thinking reno? Your mortgage can be your most cost-effective financing option.

Retired?  Access tax-free cash from your home so you can retire your way.

Shaky credit and need a mortgage now?  Solutions are available. We can also help you rebuild your credit for later.

Thinking like a landlord? Rental properties can be great wealth-builders for ordinary Canadians.

Wherever you are in your homeownership journey, call us for some out-of-the-box thinking!

Home Reno ROI: Renovations that pay off

Not all reno projects will hit the jackpot, but the right improvements can certainly help boost the value of your home. Even if you are renovating for personal reasons only, it makes good sense to understand how that investment might payback in the value of your home.  Here are five renovations that consistently provide a good return on your investment:

Updated kitchen - From refreshed cabinet fronts and new hardware to a full-on renovation with new appliances and flooring, your kitchen renovation will be noticed by buyers.

A sparkly bathroom – Bathroom renovations are among the most reliable in terms of boosting the overall value of your home. Popular mid-range renovations could include modern showerheads and faucets, and an attractive new sink and counter top.

Fresh painting - Whether it's inside or outside, a fresh coat of paint can work wonders on the overall impression of your home. The experts consistently agree that painting pays. Light and mid-range neutrals tend to appeal to the widest range of prospective homebuyers.

The efficient basement - An unfinished basement is just an opportunity waiting to be exploited and a great way to increase the value and square footage of your home!  

Energy efficiency - Upgraded heating and air systems are always good, and provide immediate savings on your energy bill. New energy-efficient doors and windows will spruce up the appearance of your home.

If you’re thinking renovation, let’s talk. We can help you finance your reno so you can maximize your ROI.

More homebuyers are going to brokers!

More homebuyers are going to mortgage brokers according to the most recent mortgage market survey by CAAMP (Canadian Association of Accredited Mortgage Professionals). The study gathered data on mortgages for homes purchased during 2013 and to April 2014. A full 39 per cent of those mortgages were arranged through mortgage brokers: up from 31 per cent in the previous survey.  Clearly, today’s first-time homebuyers are very savvy about seeking out their options and understand the value of professional advice.