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Latest Mortgage News

What is CMHC Insurance?

What is CMHC Insurance?

Canada Mortgage and Housing Corporation (CMHC) is a government department that acts as the national housing agency. One of their main functions is offering mortgage default insurance to Canadians applying for mortgages. There are two other mortgage insurance...

Mortgage Deferrals Pros and Cons

Mortgage Deferrals Pros and Cons

One of the effects of COVID-19 has been the negative impact on the economy. With many residents in the Niagara Region losing their jobs or suffering lay offs, the ability to make mortgage payments has been a primary concern. The lending community responded immediately...

What are the closing costs in Ontario?

What are the closing costs in Ontario?

The total amount of money you will need when you purchase a home will extend beyond your down payment. In addition, you will need to save the necessary funds to cover the relevant closing costs. The total amount required can vary based on several factors. Here...

What is CMHC Insurance?

What is CMHC Insurance?

Canada Mortgage and Housing Corporation (CMHC) is a government department that acts as the national housing agency. One of their main functions is offering mortgage default insurance to Canadians applying for mortgages. There are two other mortgage insurance...

Mortgage Deferrals Pros and Cons

Mortgage Deferrals Pros and Cons

One of the effects of COVID-19 has been the negative impact on the economy. With many residents in the Niagara Region losing their jobs or suffering lay offs, the ability to make mortgage payments has been a primary concern. The lending community responded immediately...

What are the closing costs in Ontario?

What are the closing costs in Ontario?

The total amount of money you will need when you purchase a home will extend beyond your down payment. In addition, you will need to save the necessary funds to cover the relevant closing costs. The total amount required can vary based on several factors. Here...

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.

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