For Buyers

Buying a home, financed properly.

“We found the place, now what's the smartest way to finance it?”

First home, next home, move-up or investment property, pre-approval to closing, with 70+ banks and lenders competing for your file.

Book a Free Call Call 416-473-9598

FSRA licensed · 70+ banks & lenders · 20+ years experience

Who we help

Every kind of purchase

First-Time Buyers

Down payments from 5%, every government program you qualify for, and guidance that starts at 'where do I even begin?'

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Move-Up Buyers

Port your mortgage or break it, bridge between closing dates, and put your current equity to work on the next home.

Investment Properties

Rental offset math, 20% down structures and financing that supports the portfolio you're building.

New Builds & Pre-Construction

Long rate holds, staged deposits, HST rebate planning and appraisal-gap strategy for closing day.

Newcomers to Canada

New-to-Canada programs that recognize foreign credit history and shorter Canadian employment records.

Downsizers

Right-size the home without giving up financial flexibility, including purchase reverse mortgage options for 55+.

See yourself in one of these?A quick call maps out your options.

Book a Call or call 416-473-9598

The process

Four steps to your keys

1 · Quick questionnaire

Thirty seconds on your goals and situation, no credit check, no commitment.

2 · Strategy call

We build your budget, explain your options and get your pre-approval moving.

3 · Shop with confidence

House-hunt knowing exactly what you can spend and what it'll cost each month, with a rate held up to 120 days.

4 · Offer to closing

We finalize the mortgage, coordinate with your lawyer and hand you the keys.

Questions

Frequently asked

How much do I need for a down payment?

Minimum 5% on the first $500,000 and 10% on the portion between $500,000 and $1.5 million, investment properties need 20%. Under 20% down, mortgage default insurance applies; try our down payment calculator for your exact number.

What is the stress test?

Federally regulated lenders must qualify you at the greater of your contract rate plus 2% or 5.25%. It lowers your maximum budget but protects you from rate shock, our affordability calculator builds it in.

What does a mortgage broker cost me?

For qualified residential purchases, nothing, the lender pays the broker on closing. You get market-wide shopping and guidance at no cost.

Still have questions?Ask a licensed broker directly, it's free.

Book a Call or call 416-473-9598