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If you're a Home Owner; Borrow money on your home equity. It's that simple.
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Submitting your Name, Telephone Number, eMail Address and Best time to Contact constitutes a request by you to generate a Licensed Mortgage Broker and/or Mortgage Expert contact you to discuss your lending needs, provide a mortgage quote and authorize this website and its affiliates or Assigns to send your Free Mortgage Loan Evaluation loan request to multiple qualified lenders and brokers, who will be calling you with no obligation mortgage quotes. The information will be used and disclosed to effect only such transaction. Personal information is not disclosed to others for purposes other than mortgage quotes. Interest rates vary. *All rates and prices are subject to change without notice based on market conditions. Rates are also based depending in part on your unique credit history and transaction characteristics. Not all products and services are available in all geographic locations. Acceptance is based on eligibility requirements and subject to final determination.  

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If you need money and have poor credit, unverifiable / no income, or are worried about your age—no problem!  Establish a home equity reverse mortgage loan that’s right for you and talk to a licensed professional today... Looking for a Home Equity Line of Credit (HELOC)? Let a Vancouver Licensed Mortgage Expert assist you today!

The reason you want the money is your business, providing you access to the experts Licensed in Residential Home Mortgages to discuss you personal options, and rates is ours. 

 

Home Mortgage Financing - Home Mortgage Quote
The Featured Vancouver Mortgage Product Information!

 


There are many mortgage options available in today's marketplace. Let us help you find the right mortgage for you.

Free Down Payment Mortgage

If you have established an excellent credit history but do not have the funds required for a down payment you may be eligible for the No Down Payment Mortgage. The no down payment mortgage is available for purchase transactions where customers are looking to finance 95% of their purchase price. The bank will advance the funds for the mortgage and the required 5% down to the solicitor on the closing date of the mortgage.

The bank provides the 5% down payment for the Borrower. Some fees apply

Flex Down Payment

Another option for those buyers who have excellent credit history but have not accumulated the required down payment is the Flex Down Payment Mortgage.

The client can obtain the down payment through the following means:

  • Lender cash back incentives or loans;

  • Equity borrowed which can include personal loans, lines of credit or credit cards.

  • 100% sweat equity or gifts for grants

100% Purchase Mortgage

100% mortgage financing is very similar to the Flex or Free Down Payment Mortgage. The major difference is the lender does not insure the mortgage with CMHC or Genworth Financial. This allows the lender more flexibility to approve mortgages up to the 100% value of the home.

This program is an alternative to buyers if they do not qualify for the Flex or Free Down Payment Mortgage.

No Proof of Income Mortgage

If you work as a consultant, contract worker, or independent business owner your taxable income may not reflect your true income. And with 1 in 5 British Columbians being self employed lending institutions have developed a mortgage based on credit history and confirmation that you don’t have any outstanding taxes. With this new program independent business owners and consultants can now obtain financing up to 90% of the value of the property they are buying or refinancing.

Qualify today based on credit and not income.

Self Employed Borrowers

Self employed borrowers now enjoy a new approach to income determination and verification through a simple 15% gross up of the total income (line 150) on their Canada Revenue Agency (CRA) , Notice of Assessment (NOA). Grossing up self employed income by an amount representative of self employed borrower’s eligible deductions puts self employed borrowers into a fast and streamlined application process similar to what salaried employees already enjoy. Self employed borrowers who have eligible deductions in excess of the 15% of their income, will have the option to provide financial statements and to add back specific eligible add backs, in lieu of the 15% gross up, to their income.

Vacation Property

Have you found the vacation property that you dreamed of? Borrowers can now obtain 95% financing on vacation homes. Buyers can also use the equity in their principal residence for the purchase of this new vacation property. The rates available are well below bank posted rates with excellent repayment privileges.

Second Homes

Do you require a second home? If so, CMHC will now provide homeowner insurance for borrowers with more than one residential property. You can now buy a second home with as little as 5% from your own or borrowed source. The new home must be intended for occupancy at some point during the year by the borrower or a relative of the family. This second home can be any where in Canada.

Purchase or Refinance with improvements

Buyers can obtain a mortgage to purchase a home and the cost of any immediate renovations, or to refinance a home where funds are used to improve the property beyond the existing market value of the property.

Home Buyers Plan (RRSP)

The HBP is a program that allows you to withdraw up to $20,000 from your registered retirement savings plans (RRSPs) to buy or build a qualifying home. In this case the RRSP issuer will not withhold tax on these amounts. If you buy the qualifying home together with your spouse or common-law partner, or other individuals, each of you can withdraw up to $20,000.

Under the HBP, you have to repay all withdrawals to your RRSP’s within a period of no more than 15 years. Generally, you are required to repay an amount to your RRSP’s each year until you have repaid the amount withdrawn.

Foreign Employees

Are you moving to Canada from another country and want to purchase property in Canada? With new programs now available through CMHC or Genworth Financial you can qualify for mortgage financing with as little as 10% down.

Second Mortgages

Many Canadians cannot qualify with traditional lenders due to credit problems or unusual job history. Obtaining a second mortgage may be a viable solution. This extra cash can be used towards:

  • Debt Reduction

  • Rental Property

  • RRSP/Mutual Funds

  • Education

  • Renovations

  • Re-mortgaging

Equity Take Outs

Many Canadians have a large amount of equity built up in their existing homes. There is a full range of mortgage options that are available enabling you to tap into this resource.

This extra cash can be used toward:

  • Debt Reduction

  • Rental Property

  • RRSP/Mutual Funds

  • Education

  • Renovations

  • Re-mortgaging

 
 

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