Obtaining your Canadian Mortgage

Take an application

For your convenience, here is a downloadable Canadian mortgage application in either Adobe PDF or Microsoft Word format.

Click here to download your Mortgage Application in Adobe PDF format

Click here to download your Mortgage Application in Microsoft Word format

This application will be an in depth look at your net worth. We ask that you be completely truthful as everything will come out once the credit report is pulled.

Make note that we DO NOT report directly to the Canada Revenue Agency and ask that if you do have any jobs paid by cash to claim them as well. i.e. Babysitting (you are solely responsible for claiming your income). It’s our job to fit in the puzzle pieces that is your information to get you what you need.

Review the application and assess the credit report

We will look at all your assets and liabilities to find ways to leverage your money to provide you an excellent mortgage rate but more importantly, a product that will save you money.

Ask the right questions

We ask you what your needs are, what you would like to do with your property, how long you plan on staying in your property and what type of flexibility you would like in regards to your payments. We get the total picture for your specific situation because no two situations are alike.

Analyze the data; find ways to resolve credit issues

We analyze all the information we have as well as look over your credit report line by line and go through it with you to resolve any issues that have arose.

Consult with team as to options

We sit with three to four other brokers and an underwriter and go through the particulars of your mortgage. At this time we brainstorm any ideas or options that your primary broker may have not seen. We figure out the best three products for the client and prepare them to be offered.

Educate the client

We sit with the client and explain how variable and fixed rates work as well as educate them on ways to pay down their mortgages faster, i.e. bi-weekly accelerated, weekly-accelerated

Provide client with their best options

Now that the client is educated we can provide the client with what we think are their best options and would save the client the most money. 

Help the client make an informed decision

We show the client how much money they would spend on interest and on principal through the options provided and based on their situation how they can make payments in their advantage to pay down their mortgage quicker.