Start your Application

Ready to find your perfect mortgage solution? We’re ready to help. Follow our step-by-step mortgage process to begin.

Step by Step

Break down what documents you'll need to get started on your mortgage application.

digital application

Apply online using our secure online application. Our team will follow up within 1-3 business days.

Print & Fax Application

Download our print application. Fill out & fax to our offices. Our team will follow up directly.

Latest Mortgage News

How Much House Can I Get Approved For?

How Much House Can I Get Approved For?

How Much House Can I Get Approved For?  Income is a critical component to getting approved for a mortgage.  There are various income approaches around applicant’s who are self-employed, so it is best to consult with a Mortgage Broker before putting in an offer. ...

June Newsletter

June Newsletter

Building Your Own Home? 5 Things to Consider     Building a house is an exciting adventure and the ultimate way to customize your home. To ensure you have the best experience, I have put together 5 important things to know before getting started.   1....

How Much House Can I Get Approved For?

How Much House Can I Get Approved For?

How Much House Can I Get Approved For?  Income is a critical component to getting approved for a mortgage.  There are various income approaches around applicant’s who are self-employed, so it is best to consult with a Mortgage Broker before putting in an offer. ...

June Newsletter

June Newsletter

Building Your Own Home? 5 Things to Consider     Building a house is an exciting adventure and the ultimate way to customize your home. To ensure you have the best experience, I have put together 5 important things to know before getting started.   1....

Things to Know When Getting a Mortgage

Things to Know When Getting a Mortgage

Things to Know When Getting A Mortgage   Getting a mortgage can be stressful, but it does not have to be.  Understanding the process and preparing in advance can make the process much smoother.  Here are a few things to keep in mind.    What is looked at...

Mortgage Glossary

Does reading about mortgages make your head spin? Take a look through some commonly used terms – we’ve gotten rid of the finance speak and made them simple to understand.

Appraisal

The process of determining the market value of a property.

Assets

What you own or can call upon. Often used in determining net worth or in securing financing.

Blended Payments

Equal payments consisting of both an interest and a principal component. Typically, while the payment amount does not change, the principal portion increases, while the interest portion decreases.

FAQ’s

Chances are, if you have a question someone else has too. Here are a few of our top inquiries & answers.

What is a Downpayment?
Very few home buyers have the cash available to buy a home outright. Most of us will turn to a financial institution for a mortgage the first step in a potentially long-standing relationship. But even with a mortgage, you will need to raise the money for a down payment.
Read More >
What is the Minimum Downpayment for a Home?
A minimum down payment of 5% is required to purchase a home, subject to certain maximum price restrictions. In addition to the down payment, you must also be able to show that you can cover the applicable closing costs (i.e. legal fees and disbursements, appraisal fees and a survey certificate, where applicable).
Read More >
What is a Home Inspection? Should I have one done?
A home inspection is a visual examination of the property to determine the overall condition of the home. In the process, the inspector should be checking all major components (roofs, ceilings, walls, floors, foundations, crawl spaces, attics, retaining walls, etc.) and systems (electrical, heating, plumbing, drainage, exterior weather proofing, etc.).
Read More >

Informative Videos

Hear from Happy Homeowners

“As first time home buyers, we were nervous going into the process of purchasing a home but Steve made the process so simple and was so good at explaining everything to us! Very knowledgeable and awesome to work with! Thank-you, Steve!”
Andrew Marshall

“I believe you have done the best for us and we are very happy with the service you gave us You met all our expectations. We could not ask for any more. Thanks, we are happy and sure will use your service when we renew our mortgage next year.”

Raoul Bernashawi

“We recently renewed our mortgage with Steve. Not only was he easy to deal with, but very knowledgeable on the products and was able to provide us with exactly the feature we were looking for. I would not hesitate to recommend him.”

Liliana Ruggi

How can we help you?

Pre-Approvals

We support our customers every step of the way, helping to make sure you are taken care of always.

Luxury Mortgages

Looking for a luxury home in the Niagara Region or Southern Ontario? We're equipped to help.

CHIP Reverse Mortgages

The financial solution designed to help homeowners 55 years+ retire securely.

First Time Buyers

Ready to find your first home? Our team is assembled and ready to walk you through the mortgage process - and your front door.

Private Mortgage

Having a tough time getting the financing due to poor credit? We can likely help you out.

New to Canada?

Mortgage financing for permanent or non-permanent citizens looking to own a home in Canada.

Refinancing

Unlock some of your home equity for debt consolidation, escaping high rates or other important needs.

Self Employed?

Mortgage solutions for self-employed individuals who lower their taxable income via write-offs and deductions.