3 Step Process

We believe everyone should go through these 3 steps when arranging a mortgage.STEP #1: Set Your Mortgage Goals

  • Do you PLAN on paying off your mortgage early?
  • Do you NEED to consolidate debt to reduce monthly payments?
  • Do you NEED money for education, investments or renovations?
  • Are you PLANNING A MOVE within the next 5 years?
  • Are you PLANNING A CAREER MOVE within the next 5 years?
  • Are you PLANNING or EXPANDING A FAMILY or business within the next 5 years?

STEP #2: Determine Your Mortgage Risks

  • Interest Rate: Fixed, Adjustable, Variable or Capped Variable
  • Term: Open, Closed, Convertible , Short or Long
  • Down Payment: 35%, 20%, 10%, 5% or Zero down
  • Mortgage Type: No Frills, Re-Advanceables, Open HELOC or Hybrid
  • Insurance:Do you NEED Life, Disability or Critical Illness insurance to pay mortgage?
  • How much can you really afford?

STEP #3: Select a Mortgage Lender

  • List ALL the mortgage products that suit your GOALS and RISKS.
  • Select the mortgage lender with the best rate.
Canadian Mortgage Rates
March 30th 2023
1 year Fixed 5.99%*
2 year Fixed 5.74%*
3 year Fixed 4.99%*
4 year Fixed 4.64%*
5 year Fixed 4.79%*
5 year Variable 5.80%*
Home Equity Line 7.20%*
Download Our Mortgage App.