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Residential Mortgages

Find the perfect place to call home.

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Find the right mortgage to match any need

 

Residential Mortgage

Perfect fit for...

buyers looking to purchase a home with a reliable, flexible mortgage.

Key Features:
  • Flexible mortgagee options with varied rates and terms.
  • Payment options which include bi-weekly, lump sums, and increased payments.
  • High-ratio mortgages with as little as 5% down.
  • Conventional mortgages with 20% down.
 

Construction Mortgage

Perfect fit for...

buyers looking to build a home from the ground up, needing staged financing to cover costs as construction progresses.

Key Features:
  • Flexible draw schedule as construction progresses.
  • Interest-only payments during construction.
  • Competitve rates for affordable financing.
  • Expert guidance through construction financing.

Equity Takeout & Refinancing

Perfect fit for...

homeowners looking to access equity in their home.

Key Features:
  • Utilize equity in property for renovations, debt consolidation, education, or investments.
  • Reduce payments to improve cash flow.
 

Condominiums

Perfect fit for...

buyers looking to downsize or seeking maintenance free living.

Key Features:
  • Smaller property footprint starting at 500 sq. ft.
  • Maintenance and improvements included in condo fees & reserve funds.

Purchase Plus Improvements

Perfect fit for...

buyers looking to upgrade, renovate, or customize their home while financing improvements upfront.

Key Features:
  • Finance renovations upfront with costs included in the mortgage.
  • Increase property value by making immediate upgrades.
  • Repay conveniently with costs spread over the mortgage term. 
 

Second Home & Cottages

Perfect fit for...

vacationers, family housing, commuters, and long-term personal use.

Key Features:
  • Financing access to buy a second home or cottage.
  • High-ratio mortgage with as little as 5% down payment.
  • Family support for housing immediate family members.

Mini Homes

Perfect fit for...

buyers seeking affordable homeownership, whether placing a new or existing mini home on leased or owned land.

Key Features:
  • Affordable lower-cost homeownership.
  • Flexible land own or lease.
 

Modular Homes

Perfect fit for...

buyers seeking a customizable, cost-effective home with a permanent foundation and a streamlined construction process.

Key Features:
  • Cost-effective where on-site building is costly.
  • Flexible financing with two draws allowable for new construction.
  • Permanent foundation with a basement or crawl space.

ALTA

Perfect fit for...

borrowers who may not meet traditional income verification, debt service, or credit history requirements.

Key Features:
  • Purchases & refinances for properties in urban centres.
  • Financing with a maximum LTV of 80%.
  • Short term financing solution of 1 to 3-year terms.
  • Flexible guidelines with extended debt service ratios and amortization.
 
Pre-payment privileges include:
  • Increase your regularly scheduled payment by 20% in a 12-month period
  • Pay an additional 20% of the outstanding balance in a 12-month period
  • At renewal, any amount can be paid down on the mortgage without penalty
  • Can change frequency of payment to weekly or bi-weekly accelerated
Pre-payment penalties are charged for:
Viewing our pricing matrix >
 
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Mortgage Rates

View the latest rates on offer for mortgages.
 
 
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We are here to help

Our qualified staff would be happy to provide more information, and we know that life circumstances can change, which may result in needing assistance or advice with your mortgage. Please reach out to discuss what options may be available.

 
Property taxes can be collected with mortgage payment.

Cash back mortgages offered, up to 5% (cannot be used for down payment).

Title Insurance is accepted.

More information on mortgages can be obtained by viewing the website of The Financial Consumer Agency of Canada.