Services: Purchase Getting pre-approved for your mortgage gives you the flexibility you need to find the best deal on a new home. Renewal Mortgage renewal rates are often much higher than current market rates. To avoid paying more Refinance Many homeowners throughout Canada use the power of mortgage refinancing to lock in lower interest rates. Debt Consolidation Debt consolidation is simply combining many debts into one – with a single monthly payment. Mortgage Information First Time Home Buyer There are many benefits that comes with becoming a first time home owner. Find out what you many qualify for. Real Estate Investors There are two types of repeat buyers: those who upgrade (or downgrade) their principal residence, and those who purchase real estate in order to build and preserve their wealth. Self Employed Individuals Securing a mortgage as a self-employed individual is not as difficult as you may think. Each lending institution has their own set of requirements and lending guidelines; we can help you interpret all the Bank Rejections Mortgage rejection can happen to anyone. Despite advertising low mortgage rates, lenders reject mortgage applications for a number of reasons, primarily due to poor credit history New Immigrants If you are a newly landed immigrant you can still qualify for a mortgage. In most cases lenders will require a larger down payment (25- 35%) than they would from an established Canadian citizen.