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Know your options and save your money

In today's competitive mortgage market, there are a huge variety of down payment and interest rate options – including fixed rates, closed mortgage, variable rate, capped interest rates and teaser rates. Choosing the right options can save you time and thousands of dollars in interest expense. We can help guide you through the maze of options, so you can make an informed decision, and make the best possible choice that’s right for you and your family.

First-time buyers

have many things to consider when purchasing a first home - Can you afford it? Where to live? Is it better to own or to rent? How do you get a good mortgage interest rate? Should you pay down your mortgage quickly or take an extended amortization? Should you lock-in your interest rate or should you take a variable interest rate? We can help answer all your questions, get you a pre-approved mortgage and work with you to obtain your home at the best rates, worry free.

Pre-approved mortgages

remove a great deal of the uncertainty associated with home buying. With a pre-approved mortgage you’ll know exactly how much you can afford and the price range that’s right for you. Pre-approved mortgages can even give you an edge with sellers, since they are more likely to accept an offer from a buyer who has been pre-approved as opposed to a buyer that does not know for sure they can get the amount offered.

Renewing your mortgage

can be a opportunity for you to save money by getting the most out of your mortgage financing and options. When your mortgage comes up for renewal, lenders count on the majority of their mortgagees to simply sign their renewal form, without comparing rates. But it’s an increasingly competitive environment for lenders, a mortgage broker can shop your renewal to an extensive list of lenders who will bid for your business. You can choose, whether to remain with your current lender, or renew with another offering better rates and options.

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Can you Make your mortgage tax deductible?

Of course, personal mortgages are never tax deductible but sometimes debt pay down can be accelerated or debt can be restructured to become tax deductible We can help provide you with the information you need to determine whether this strategy is right for you.

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