Mortgage Solutions
First Time Home Buyers
Thinking of buying your first home?
Congratulations on this exciting milestone! Purchasing your first home is a milestone worth celebrating, and having the right guidance can make all the difference. That’s where we come in. As seasoned mortgage professionals, we’re here to offer insights that go beyond what your typical bank might provide. With access to a diverse range of lenders, we’re committed to finding you not just good – but great rates, with mortgage options that are tailored to your needs and goals.
Secure a pre-approval before you begin house-hunting
Our top tip? Kick-start your journey by obtaining a pre-approval. Securing a mortgage pre-approval before you start browsing listings will help you streamline your search by bringing clarity to your financial boundaries. Plus, a pre-approval locks in a favorable interest rate for a specified period, giving you peace of mind as you navigate the homebuying landscape. And if a pre-approval isn’t within reach just yet, worry not – we’ll work closely with you to estimate a qualifying amount that fits your circumstances.
At Your Choice Mortgages, we understand the importance of making informed decisions when it comes to buying your first home. Start a conversation with us today to turn your homeownership dreams into reality.
Refinancing
Use the money in your home to pay off high interest debts and be mortgage-free quicker.
Refinancing can be a savvy move to help you manage your finances more effectively. By tapping into the equity in your home, you can pay off high-interest debts and potentially save a significant amount of money over time. Imagine consolidating those pesky credit card balances into one manageable payment – and freeing up your cash flow!
You can refinance up to 80% of your home’s value, making the process quick and straightforward. Worried about penalties or thinking it might not make a big difference? Let us show you how refinancing can lead to substantial savings and even help you pay off your mortgage faster. By lowering your interest rate and reducing monthly payments, you will have greater flexibility in your budget and a clearer path to financial freedom.
Don’t let high-interest debts hold you back any longer – take control of your financial future today. Our mortgage experts at Your Choice Mortgages are here to guide you every step of the process.
Contact us for more details to get started on your refinancing journey!
Self Employed
Financing your home when you’re the boss.
Owning a small or medium-sized business is no small feat. We understand that as a self-employed individual, your financial situation is unique. Reducing your taxable income may benefit your business, but it can complicate your mortgage application. That’s where we come in.
At Your Choice Mortgages, we specialize in helping self-employed Canadians secure the mortgage they deserve. We know the ins and outs of business ownership because we’re business owners ourselves! With access to a diverse range of institutional and private lenders, we offer excellent mortgage options designed specifically for self-employed individuals.
Our extensive network of lenders recognize that tax write-offs can significantly lower your declared income. That’s why they accept a reasonable estimate of your annual income instead of requiring proof. This flexibility allows you to take advantage of competitive rates and terms, making homeownership a reality without the stress of traditional mortgage barriers.
Ready to explore your mortgage options? Let’s start a conversation today and find the perfect mortgage solution that aligns with your business and personal financial goals. Your Choice Mortgages is committed to helping you achieve your dreams of homeownership with ease and confidence.
New to Canada
Welcome to Canada!
As a newcomer, you might think that buying a home in Canada is a distant dream, but it’s more attainable than you imagine. At Your Choice Mortgages, we specialize in helping new immigrants become homeowners sooner rather than later. If you’ve been in Canada for less than three years, have landed immigrant status, and have been employed here for at least three months, you may qualify for a mortgage.
We make the process straightforward by guiding you through the necessary documentation. You’ll need a letter from your employer, a recent pay stub, and 12 months of bank statements from a recognized financial institution. If you’re new to the country, don’t worry—bank statements from your home country can also work. Additionally, consistent payment records for utilities or phone bills for the past year can
help demonstrate your financial reliability.
With access to a broad range of lenders, we’ll find you competitive rates and customized mortgage options that suit your needs. Our mission is to ease your transition into Canadian life by helping you secure the home you’ve always dreamed of.
Welcome home! Get in touch with us today to discover how we can make your dream of owning a home in Canada a reality.
Mortgage Renewals
Congratulations on your maturing mortgage - now let us help you get a better rate!
Is your mortgage renewal date just around the corner? Congratulations on reaching this important financial milestone! As you approach renewal, it’s the perfect time to explore the many innovative options and competitive rates available. While about 70% of homeowners simply sign and return their lender‘s renewal form without question, you could be missing out on significant savings.
In today’s busy world, renewing your mortgage without much thought can seem like the easiest option, but taking a moment to reassess could open doors to better financial opportunities. By having multiple lenders compete for your business, you can ensure you get the best rate and terms for your unique situation.
At Your Choice Mortgages, we work with a wide range of lending institutions, including major banks, credit unions, trusts, and other national and regional lenders. This extensive network allows us to leverage significant negotiating power to find the best mortgage tailored to your needs.
Let us help you make the most of your mortgage renewal. Reach out today to explore your options and secure the best possible rate for your renewed mortgage. We’re here to ensure your next mortgage term is even better than the last!
Debt Consolidation
Use Your Home Equity to Tackle High-Interest Debt
Are you feeling weighed down by high-interest debts? It’s time to take control of your finances and pave the way to a debt-free future with our debt consolidation solutions.
By leveraging the equity in your home, you can consolidate all your debts into one manageable payment with a lower interest rate. Why continue paying sky-high interest rates on credit card debt when you can roll it into your mortgage and enjoy significant savings?
Our team at Your Choice Mortgages believes in turning “bad debt” into “good debt” with a well-planned mortgage strategy. Our debt consolidation services offer you the opportunity to:
- Consolidate high-interest credit card debt: say goodbye to multiple payments and hello to one lower rate.
- Save money and increase cash flow: enjoy immediate relief as you reduce your monthly payments and free up more money for the things that matter.
- Reduce stress and regain control: rest easy knowing that your financial situation is now manageable and on the path to improvement.
What's Next?
Quick Interest
Request a call back by filling out our quick interest form, and qualify for a free mortgage consultation.
Apply Now
Fill out our quick, secure mortgage application online - we will work to find the best mortgage solution for you.
Mortgage Calculators
Explore our online mortgage calculators to gain a gain a better understanding your affordability.
