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.
FSRA licensed · 70+ banks & lenders · 20+ years experience
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?'
Learn more →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+.
Four steps to your keys
1 · Reach out
Book a call or phone directly with 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.
Rick Sekhon · Licensed Mortgage Broker · Real Mortgage Associates Inc. · FSRA Lic. #10464
The Ontario Mortgage Calculator
Standard default insurance premiums, Ontario only. See your monthly payment, your insurance premium, and what you need in cash at closing. Two minutes, no credit check.
Your purchase
Estimated Monthly Payment
$2,999.19 / month
30 years at 3.35% on $682,510.00
Your numbers
Typically paid upfront at closing rather than added to the mortgage.
Estimates only. Figures are based on a featured variable mortgage rate of 3.35% over a 30-year amortization, calculated using Canadian interest compounded semi-annually. This is a variable rate: it moves with your lender's prime rate, so your payment or the interest portion of it can change during the term. Insurance premium rates and eligibility can change. Payments exclude property taxes, heat, condo fees, legal fees, and land transfer tax. Rates vary with your credit, income, and property type, and will be assessed on our first call. This is not a rate quote, an offer of credit, or financial advice. All mortgages are subject to approval (OAC).
Get pre-approved
Enter your details and Rick will get started on your pre-approval.
Frequently asked
How much do I need for a down payment?
What is the stress test?
What does a mortgage broker cost me?
Other ways we can help
Renewal & Switch
That's how 1.15 million renewals go this year, signed, not shopped. However close your date is, there's room in that letter. See what yours isn't telling you.
Learn more →Mortgage Refinance
Unlock equity, consolidate high-interest debt, fund renovations or invest, without selling your home.
Learn more →Second Mortgage
A second sits behind your first, the low rate stays exactly where it is, and can fund in days, not weeks. See when a second beats a refinance, and when it doesn't.
Learn more →Your next step starts with a conversation.
Free, confidential and no-obligation. Bring your questions, leave with a plan.