CURRENT RATES

5 Year Mortgage Rates
Term TypeRatePromo & Info
5 YearFixed (standard)2.49%
5 YearFixed (promo)2.29%-*call for restrictions
-High Ratio Only
-Meet property guidelines
5 YearFixed (promo)2.49% & -Condo Doc Review, Reimbursement $500 *call
5 YearVariable (promo)2.10%
* Subject to change without notice *OAC *Some Underwriting Restrictions Apply
Our Mortgage Rates
TermTypeRate
2 YearFixed2.19%
3 YearFixed2.29%
4 YearFixed2.39%**High Ratio Only
5 YearFixed2.29%**restricted, call for details
6 YearFixed2.99%
7 YearFixed2.99%
10 YearFixed3.54%

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#mortgagetip Down Payment

February 09, 2017 | Posted by Nathan Zacharias | Tagged in

  #mortgagetip Down Payment A Down Payment in its simplest form would be the difference between the Purchase price and the mortgage. For Example: If you had a purchase price of $300,000 and a mortgage of $200,000 then subtracting the two numbers reveals a down payment of $100,000. This figure is important for a number […]

#mortgagetip – Fluctuating Income

October 05, 2016 | Posted by Nathan Zacharias | Tagged in

Fluctuating Income #mortgagetip What happens when your income is inconsistent and/or fluctuates? Just because your 3 year average income is $150k doesn’t mean this is the income we can use on your mortgage application. You need to consider the following when applying for a mortgage: If you income is on a downward trend, the lender will […]

Condo Issues: How do lenders become aware?

February 19, 2016 | Posted by Nathan Zacharias | Tagged in

How do lenders become aware of an issue? Lenders are very resourceful and they can sniff out a problem quite easily. How? There are various sources of information which may include documentation, but it may also be obtained through their relationships within the industry. Here are a few examples:   MLS® feature sheets may state […]

What is a Closed Term Mortgage?

March 27, 2015 | Posted by Nathan Zacharias | Tagged in

A closed term mortgage is a more restricted form of a mortgage agreement. Closed mortgages are constructed to either prevent the mortgage recipient from repaying the mortgage in full during the term of the loan, limit the ability to repay the loan in full, or allow repayment with a penalty for breaking the contract. Although […]

Is it Safe to Accept a Mortgage from a Lender you’ve Never Heard of?

March 23, 2015 | Posted by Nathan Zacharias | Tagged in

You may notice a trend in Canada where smaller lenders are becoming more popular. Sometimes these lenders are referred to as monoline lenders. Why? Well, that’s simple: they only have one line of business, and that line is mortgages. You may ask yourself: Should I meet with one of these lenders instead of your bank? […]

What is a Debt Consolidation Mortgage?

March 17, 2015 | Posted by Nathan Zacharias |

A debt consolidation mortgage occurs when you combine all your high-interest debts into one low-rate mortgage loan. If you’re struggling to make your monthly payments on time, this option may work out very well for you. With debt consolidation, you only have to make one reduced payment each month to cover all your debts instead […]

How to get Approved for a Better Mortgage

March 12, 2015 | Posted by Nathan Zacharias | Tagged in

Not every mortgage application gets approved. Lending such a large amount of money can be a risky venture for a mortgage company, which is why getting the best possible mortgage approval involves making sure your financial profile is in good shape. Try these two big tips to make sure you increase your chance of getting […]

Bank or Mortgage Broker?

March 09, 2015 | Posted by Nathan Zacharias | Tagged in

  This is an age-old question that has been debated by many but in recent years the statistics seem to be clear in their illustration that more and more people in Canada, and in Alberta, have been turning to mortgage brokers for their financing needs. Of course, we feel there is a definite advantage to […]

Do Bonuses and Commission Income help you get a Better Mortgage?

March 06, 2015 | Posted by Nathan Zacharias | Tagged in

On occasion, bonuses and commission income can help you get a healthier loan. It’s a rather rare scenario, and you should not rely on the aforementioned items helping your chances of receiving a better mortgage. Aspiring homeowners need provable income in order to get a loan of any kind. If you receive yearly bonuses or […]

Will Changing your Job Hurt your Mortgage Chances?

March 02, 2015 | Posted by Nathan Zacharias | Tagged in

You may have been offered a new employment opportunity that you simply cannot pass up. In order to accept this position, you’ll have to leave your current job. This is great news for you, but it may not be great news for your impending mortgage. If you’re in the market for a mortgage, it’s wise […]