Experience shows too many Canadians get inexperienced advice when financing the largest purchases of their life.  Often, this results in consumers taking out mortgages at higher interest rates or with greater restrictions which ends up costing them more and eating up the hard earned equity in their home.  What’s becoming more and more common these days is banks not approving consumers for the purchase price they are looking for.

Did you know that every bank has their own way of approving you?  Each mortgage lender in Canada has their own policies on how much down payment they need you to place on a property, how high your credit score needs to be, how they use your debt in approval, how they use rental income from investment properties, and the list goes on.  When we receive an application we don’t try to fit it into ‘one’ banks box.  We look at ‘all’ mortgage lenders programs and determine which box the application fits.  From there we negotiate the best mortgage rates and terms for our clients with our long established relationships.  Instead of saying “NO” or “THIS IS YOUR RATE” … we say “YES” or “HERE ARE YOUR OPTIONS”.