For most Canadians buying a home and acquiring a mortgage for purchase or refinance is the single largest financial transaction they will ever be faced with. It's critical that prospective home owners/home buyers prepare themselves before they start the search. Whether it's your first or fifth home let me guide you each step of the way. If you have any questions about your mortgage please send us a message with a brief description and we'll get back to you as soon as we can.
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About
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The Shop Mortgages team's knowledge and experience in the mortgage industry can provide you, the consumer, not only the best rates, but also can save you thousands of dollars whether you're purchasing, refinancing or renewing. We work with over 50 banks and lending institutions, so approvals are generally given within 4 hours from application.
First Home
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If you are a first-time homebuyer, getting professional mortgage advice is a great place to start. We specialize in the kind of education that can help get new homebuyers off to a great start! Although mortgage debt is 'smart' debt, buying your first home is a huge financial decision and there is a lot to think about.
Down Payment Options
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Downpayment is one of your most important considerations before you look to purchase your new home. If you're in the "saving up" stage of preparing for home ownership, this is a great time to meet with us so we can discuss your downpayment options. In most cases you want to save five percent of the purchase price.
Next Home
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When you are ready to sell your home and buy a new one, your first move should be to look into your mortgage options. If you need a bigger mortgage, your options will include bringing your mortgage with you if it is portable. You can often "blend" your current mortgage rate with the mortgage rate on the additional funds you need.
Vacation or Second Home
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Dreaming of the lake and relaxing afternoons on the dock or a cozy fire in your ski chalet? Or perhaps you need to expand your family's horizons with a second property while your children attend university. The appeal of a vacation property is often as much economic as it is emotional: an investment that makes sound financial sense can also provide you and your family with a lifetime's worth of memories.
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