Begin by assessing your financial situation. Calculate your total income, existing debts, and monthly expenses to determine how much you can afford for a mortgage payment. Remember to consider additional costs like property taxes, insurance, and maintenance.
Our specialists can help you calculate the down payment amount.
Before starting your house hunt, consider getting pre-approved for a mortgage. This process involves a lender reviewing your financial information to determine the maximum amount they're willing to lend you.
Enlist the help of a qualified real estate agent. A knowledgeable agent can provide valuable insights, guide you through the buying process, and negotiate on your behalf.
Once you’ve found the property you’re interested in, conduct inspection for any potential repairs, review strata documents (if applicable), research the property’s history and market value.
Reach out to a mortgage broker and discuss various mortgage options, interest rates, terms and payments to find the best fit for your financial situation and future plan.
Don’t forget to budget for closing cost. Your mortgage broker can walk you through an estimated amount for closing cost which includes legal fees, land transfer taxes, title insurance and other miscellaneous expenses.
We start by getting to know you and understanding your unique financial situation and homeownership goals. This consultation helps us tailor our services to meet your needs.
Once you're ready to move forward, we assist you in completing your mortgage application accurately and efficiently. Our goal is to make the process as smooth as possible for you.
We manage the entire application process on your behalf, liaising with lenders and ensuring that all necessary documentation is submitted promptly and accurately.
Once your application is approved, we guide you through the final steps of the process, including signing the necessary paperwork and securing your mortgage funding.
This service is designed for individuals looking to buy their next (or first) home, whether as an upgrade, for relocation, or investment purposes. We provide specialized guidance and tailored mortgage solutions to help make your subsequent home purchase smooth and successful.
Anyone who already owns a home and is looking to purchase an additional property, whether it's upgrading to a larger space, downsizing, or buying a vacation or investment property.
Consider your current home equity, your budget for a new home, potential rental income, selling your current home, and any changes in your financial situation since your last purchase.
Yes, you can leverage the equity in your current home as a down payment or financing for your next home. We can help you understand how to access your home equity and use it effectively for your next purchase.
The process involves assessing your financial background, credit rating, current home equity, and overall financial health to determine the amount you can be pre-approved for. This helps streamline your home search by focusing on properties within your budget.
Mortgage rates and terms can vary based on your financial situation and the type of property you are purchasing. We offer competitive rates and flexible terms specifically designed for secondary home purchases.
Our advisors can help coordinate the timing of your sale and new purchase, provide advice on financing options, and ensure you have a seamless transition from one home to another.
Start by scheduling a consultation with one of our mortgage specialists and we will walk you through the process.
