Home purchase and home refinance

Buying a home usually means taking out a mortgage. That means you borrow money to buy a home, using that home as collateral for the loan.

The amount of mortgage you can afford depends on your income, the down payment, current mortgage rates, and the amortization period you choose.

You may be able to purchase a home with a down payment as small as 5 per cent. First-time home buyers may also be eligible to withdraw up to $20,000 tax-free to use as a down payment. The funds must be repaid within fifteen years. Lenders can provide you with a preapproved mortgage that shows approximately what mortgage loan you can afford.

Perhaps you require 100% financing in a single mortgage — something traditional lending institutions typically don’t provide. For customers with a stable credit history we can provide 100% financing. Perhaps you’re self-employed, contract or commission-based, and therefore don’t have a “regular” paycheque or lack the documents required by most financial institutions.

Regardless of your specific situation, if another lending institution has turned down your application for mortgage credit or simply cannot meet your needs, it's time to talk to us! We specialize in looking after those who don't fit the mold. We will listen to your story. We'll help you to select a mortgage you can live with. There are lots of options available that let you customize your mortgage to suit your financial goals and needs.

If you don't have the downpayment and would like to purchase now, we suggest that you fill our home purchase application to pre-qualify.

We have an almost endless variety of types of home purchase financing available. Consider us when you purchase your next home or refinance your current home. Finance with the people you trust. All fees disclosed up front. Nothing hidden. No surprises. You can apply to pre-qualify by filling our loan application. There's no fee to apply for pre-qualification.