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Are you a First-Time Home Buyer?

You are considered a first-time home buyer if, in the four-year period, you did not occupy a home that you or your current spouse or common-law partner owned.

Note that even if you or your spouse or common-law partner has previously owned a home, you may still be considered a first-time home buyer.

If you have a spouse or common-law partner, it is possible that only one of you is a first-time home buyer.

The four-year period

Begins on January 1st of the fourth year before the year you withdraw the funds.

Ends 31 days before the date you withdraw the funds.

For example, if you withdraw funds on March 31, 2020, the four-year period begins on January 1, 2016, and ends on February 28, 2020.  

Are you aware of the Canadian Government Programs that may be available to you?  Would love to help you see your options –  Fill the form below and I will contact you.

Are you a Newcomer to Canada?

A newcomer is someone who has immigrated to Canada within the last 5 years and is already a Permanent Resident or who has received confirmation of Permanent Residence from Immigration, Refugees and Citizenship Canada (IRCC). 

The type of mortgage any Newcomer to Canada will qualify for, and the documentation that will be needed to provide depends on:

  • whether or not one is a permanent resident, 
  • what one’s credit rating is and 
  • how much one has saved for a down payment. 

As a Newcomer, there are 2 options that are available to qualify for a mortgage – Would you like to know which one you may qualify for!  Fill the form below and I will contact you soon.

Refinance(Debt Consolidation)

By consolidating all of your high-interest debt – including debt from credit cards, auto loans and personal lines of credit – into one low-rate mortgage loan, backed by the equity in your property, you can access interest rates lower than even a personal line of credit would allow.

Debt consolidation is helpful to people who can’t make their full monthly payments on time. With this option, you only make one reduced payment per month.  

Could this be what you need in these difficult economic times? Let’s have a look together to see if refinancing your mortgage is worth considering. Fill the form below and I will contact you soon.

Refinance (Home Renovation)

Your home equity – your home’s value minus the balance of your mortgage – is available for you to withdraw and invest in a number of ways, including home renovations, additional real estate, post-secondary education and much more. You can access up to 80% of your home equity by increasing the value of your mortgage through a refinance. 

Let’s have a look together to see if refinancing your mortgage is worth considering. Fill the form below and I will contact you soon.

Rental Property

Buying an investment property is a popular option for Canadians looking at different ways to invest their money. However, unlike the mortgage you took out on your principal residence, financing an investment property is a little more involved.  It is dependent on the number of units in the building and whether one of the units will be owner occupied are the two major components that control what your financing will look like. 

What if you are purchasing 5 units or more?  This is then considered to be a Commercial Mortgage. Please do go to the Commercial Mortgage option.

For more information on Residential Rental Properties for four units or less.  Lets chat. Fill the form below and I will contact you soon.

Second Home/Vacation Home Mortgage

So you are thinking of getting a second home, your Vacation home.  In Canada, we have found that to be very common.  Second-home can act as both a vacation home and an investment – as you now have the opportunity to create some additional income.  However, this will also mean that you will need a second mortgage.

What do you need to consider when looking into getting a second home.  Call me today, and we can discuss. Fill the form below, and I will contact you soon.

Commercial Mortgage

Are you looking into owning a multi-apartment building (with 5 or more units), or perhaps you are a doctor and need to get a loan for some upgrades to your building?  Then you most likely need a Commercial Mortgage.  

With a commercial mortgage, the qualification criteria is more complex and interest rates are often much higher – but most importantly, you want someone that understands the arena and will help you with what you need for your investment and also provide advice where needed.

Give you a call if you need more information qualification for a Commercial Mortgage. Fill the form below and I will contact you soon.


At the end of your mortgage term, so long as you still owe a balance, you will need to renew your mortgage for another term. And with each mortgage renewal comes the opportunity to assess your current mortgage and compare it to any new financial goals you may have. 

Your current mortgage provider will send you a renewal slip in the mail that you could easily sign and send back, but if you want to ensure all of your needs are met, we strongly suggest taking this proactive approach with your next mortgage renewal: 

  • Does your monthly budget have room for you to increase your mortgage payment amount? (If so, review the monthly prepayment options in the terms and conditions.)
  • Do you think you’ll receive any bonuses or inheritances that you could put towards your mortgage? (If so, you’ll also want to look at the lump sum prepayment options.)
  • Do you think you’ll have the option to pay off your mortgage entirely, in this next term?     (If so, consider the prepayment penalties that go with fixed vs. variable rate mortgages.)
  • Do you think you will want to borrow more money from your lender during this next term?  (If so, you’ll again want to consider the prepayment penalties involved in a refinance, or   look at collateral mortgages instead.)
  • Is there any chance you’ll be selling your home and/or moving in the next 5 years? (If so,  you may want a mortgage that is portable or assumable.)

Let’s have a chat to see what is best suited for you. Fill the form below, and I will contact you soon.

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