OUR SERVICES

WHAT WE DO

Our services cover all aspects of financing a home, whether you’re a new home buyer, refinancing or buying investment properties.


We can find you the best rates from traditional lenders, as well as a large pool of funds for private mortgage financing. Private mortgages, self employed and not so perfect credit situations (ie: bankruptcy, divorce, power of sale, high debt load) are our specialty.

Many people don’t understand the difference between negotiating a mortgage directly with a bank or going through a mortgage broker. Although banks can offer some discounting for consolidating your services with them, a broker can search the market for the best deals.

One of the main benefits of using a mortgage brokers is that we have access to, and knowledge of, the entire mortgage market. We can advise which lenders will consider your case and which will not based on your individual circumstances.

As mortgage brokers in Hamilton, we have access to lenders who specialize in servicing people with adverse credit and can leverage relationships with mainstream banks. Mortgage brokers can also access exclusive deals not available on the open market, or negotiate a better interest rate or lower application fees from the lender in some cases. Check out our Hamilton mortgage broker services below that we currently offer.

PURCHASING

Whether it is the first time or the tenth time you are buying, we can assist you in financing the home of your choice. With access to over 25 institutional lenders we can make sure you get the mortgage that is right for you. And your rate is guaranteed for 120 days in advance, potentially saving you money.

REFINANCING

Refinancing your existing mortgage to consolidate your debt can be one of the most effective ways to reduce your monthly expenditures. Debt consolidation is not new or unique, but it can be the solution to a financially stressful situation. We will take you through all your options and arrange the financing that works for you.

MORTGAGE RENEWAL

Once your mortgage term has expired you are in control and can move your mortgage to the lender that meets your needs. Let us do the work to find the best deal from a list of over 25 lenders interested in getting your business. Your rate is guaranteed for 120 days in advance potentially adding to your savings.

SECOND MORTGAGE

A second mortgage is an additional loan taken out on a property that is already mortgaged. Not all lenders offer a second mortgage because it is a riskier investment. Second mortgages often carry higher interest rates but these rates are generally lower than high interest credit cards, car lease payments or unsecured lines of credit.

PRIVATE MORTGAGE

Private mortgages are interest-only loans that do not require homeowners to pay the mortgage principal down. Instead, the homeowner is making interest only payments each month. Conventional lenders can exclude individuals based on their credit history while private lenders also consider the individuals ability to pay back a loan and the property’s value and marketability.

INVESTMENT PROPERTY

Buying an investment property is a popular option for Canadians looking at different ways to invest their money. Financing an investment property is more complex than mortgaging a principle residence. The two biggest factors are the number of units, which determines if the property is zoned residential or commercial, and whether you will be occupying a unit.

CONSTRUCTION

Are you building a new home or renovating an existing property? We can help you with your construction financing, including providing construction draws based on your schedule. Our experience can remove the stress from financing so you can concentrate on finishing your project on time and on budget.

MORTGAGE INSURANCE

When purchasing a home there are so many things you have to think about and do. The one thing you should not overlook is Mortgage Protection Insurance. Mortgage Protection Insurance is available to help you and your family maintain the mortgage payments in case of disability, critical illness or loss of life. Protect your investment and your family.

PRIVATE LENDING

Do you have money to invest and are interested in real estate? Investments in second mortgages and private lending can range from $20,000 to 2,000,000. We are always looking for new investors. Call us if you’d like to be added to our database.