Our Services

First-Time Home Buyer

In Canada, first-time home buyers can benefit from the First-Time Home Buyer Incentive, Home Buyers' Plan (RRSP withdrawal), a tax credit, and land transfer tax rebates to reduce costs and make buying a home more affordable.

Insured Mortgage

An insured mortgage in Canada is required if your down payment is less than 20%. It involves buying insurance to protect the lender, which adds a cost to your mortgage.

Home Equity Line of Credit

A Home Equity Line of Credit (HELOC) lets you borrow against your home’s equity with a revolving credit line. You can borrow as needed, pay interest only on what you use, and typically get a lower interest rate. However, your home is collateral, so defaulting puts it at risk.

New to Canada

The Newcomer Mortgage Program in Canada offers flexible qualification and down payment options, tailored to help immigrants and newcomers buy a home. It includes support with documentations.

Refinancing

​Refinancing replaces your current mortgage with a new one to get better terms, like a lower interest rate, shorter loan term, or access to home equity. It can save money but may involve fees.

Mortgage Pre-Approval

Mortgage pre-approval is when a lender reviews your financial information—such as income, credit, and debts—and conditionally approves you for a loan amount before you buy a home. You receive a pre-approval letter stating this amount.