Mortgages

Mortgages for First Time Buyers

Up to 107% of the purchase price. Mortgages are available from the major banks and alternative lenders that can allow you to purchase a home with no money down and cash back on closing. Good credit and stable employment is required for these programs. Contact an Accredited Mortgage Professional today to learn more. (OAC)

Mortgages for Purchasing

For purchasing a new home or buying a second home, the wide array or mortgage options out there can be dizzying. Let a mortgage consultant with their AMP designation guide you through the options, get you the right mortgage, and allow you to enjoy the home buying process - Stress Free!

Refinancing or Debt Consolidation

Why pay higher interest on credit cards, loans or any of your accounts? Take advantage of the equity in your home to consolidate your high interest debts, lower your monthly payments, contribute to your RRSP and get on with life. An accredited mortgage professional can help.

Renewing your Mortgage

Renewing a mortgage can be as easy as signing back your renewal statement. But is that the best deal you can get? What has changed in the last 5 years? What will happen in the next 5? Renewal time is the perfect time to take stock of your financial status and future goals. Let an AMP save you money and help you achieve financial independence.

Pre-Approvals - Know Now

Don’t go shopping for a new home without speaking to an accredited mortgage professional about a pre-approval. A mortgage pre-approval will let you shop for a home and know exactly what you can afford, what your rate range will be, and how much you will need to put down. Remember, Pre-Approval First - House Second

Hard to Prove Income?

Canadian banks have finally come around to the notion that not everybody brings home a regular paycheque. More people than ever are starting their own businesses and are being rewarded for it. Attaining a mortgage for those with low verifiable income is where an AMP can help. Low Doc or Alt Doc mortgage programs are available from several lenders and at great rates!

Variable Rate or Fixed?

The number of variable rate or adjustable rate mortgages is growing all the time. Is a variable for you? Your Accredited Mortgage Professional will go through all of the options to find your best mortgage. Variable, Fixed, or a bit of both - its up to you!

Home Equity Loans

Home Equity Loans are everywhere these days. Second Mortgages, Equity Lines of Credit, and several other products can allow you to tap your home equity without breaking your bank. Is an Equity Loan your best option? Or should you bite the bullet and pay out your current first mortgage? That question, and many more, can be answered by an AMP.

Credit Not So Good?

So your credit isn’t the best, you were laid off and your credit report took the hit. That’s ok! Lenders in Canada are beginning to understand that credit reports aren’t the only way to evaluate a client. Sub-prime, non-conforming and alternative lenders are out there these days, providing mortgages through mortgage brokers for clients with blemished credit scores and non-verifable income.

Private Mortgages

Mortgages don’t always have to be from a bank. Sometimes its easier to explain your situation to a private mortgage investor who wants to hear the story and will make a decision based on more things than a credit report. An Accredited Mortgage Professional can find a mortgage from a private investor for Power of Sale, Foreclosure, Construction or any number of unique situations.

Cottage Time?

Time for a cottage or vacation home? Canada’s mortgage lenders are now, more than ever, ready to look at high ratio mortgages on recreational property. Up to 95% loan to value! Your AMP can help you decide what property can be approved for a mortgage and how much of a cottage you can afford.

Contact an Accredited Mortgage Professional now! 1-877-590-1961 or AMP@ThinkAMP.ca