647-300-9144
Mortgages
Today's homebuyers have a vast array of options and features at their disposal. However, finding the right mortgage can be a complex and tiring process. We understand that your story is unique, so we strive to understand you and your goals. It's beneficial to work with a mortgage professional who will represent you and ensure the mortgage you secure is the one best suited to your needs.
​
We offer expert counseling and trained professionals to ensure you secure the best mortgage. Choosing incorrectly could cost you thousands of dollars.
​
As mortgage brokers representing you, the customer, we have access to a wide range of products. Our goal is to provide you with the best lender package, whether it's from a Chartered Bank, Trust/Insurance Company, or Private Fund.
​
Benefits of Using a Mortgage Broker
1) Access to a diverse range of lenders, banks, trust companies, investors, and financial institutions.
2) Swift credit and loan pre-approvals at no cost or obligation. (Some conditions may apply)
3) Expertise in matching you with the mortgage that best fits your needs.
4) Access to wholesale mortgage rates, guaranteed for up to 120 days.
5) They work for YOU, not the bank.
6) Stay updated on all the mortgage rates, terms, and repayment options available in the market.
7) Specialize solely in mortgages and are knowledgeable about current trends.
8) Increase competition in the marketplace, thereby keeping rates low.
9) Save you time and money!
10) Have a vested interest in meeting your needs as they rely on referrals and repeat business.
Debt Consolidation Services
A Practical Refinancing Tool, if you're feeling overwhelmed by monthly bills and escalating interest charges, debt consolidation might be a viable solution for you.
​
Top Two Reasons for Consolidating Your Debt
​
Regardless of the economic climate, it's not uncommon to find individuals burdened with debt or struggling to meet daily expenses. For those who qualify, debt consolidation isn't a luxury; it's a necessity—one of the most financially sensible and efficient ways to resolve monetary difficulties.
​
-
Lower Interest Rates: Consolidating your debt at a significantly lower interest rate means that even without reducing your monthly payments, you can pay down the principal much more quickly—potentially shaving years off your repayment period. This also allows you to retain more of your hard-earned money.
-
Lower Monthly Payments: Thanks to lower interest rates, your monthly payments are also reduced. Consequently, you can use the 'found' money to either pay down your consolidated loan faster or cover household expenses.
Mortgages for First-Time Home Buyers
Securing a mortgage can sometimes be challenging for first-time home buyers, particularly if factors like credit issues come into play. If you encounter such hurdles, we can guide you towards reputable private lenders who are more willing to consider offering you a mortgage. This is an excellent mortgage option for those who may have some credit blemishes but are otherwise ready to own their first home.
​
A first mortgage is a significant responsibility, and we treat it as such. We understand the substantial investment that home ownership represents, and we aim to share some of that burden with you. When applying for a first-time home buyer mortgage, there's a lot to consider: the lender's credibility, the loan amount, the interest rate, and the loan term. We'll be there with you at every step, ensuring you make the right decisions throughout this process.
​
Trust us to assist first-time home buyers in securing a mortgage. We'll work with you to make your dream of owning your first home a reality!
Mortgages for Renovation Financing
Sometimes, the home of your dreams is the one you're already living in.
​
Perhaps it just needs a little enhancement, like new landscaping, an additional wing for your expanding family, a larger kitchen, or a swimming pool in the backyard! A record number of Canadians have capitalized on the historically low mortgage rates and rising real estate values, tapping into their home equity through equity take-outs. There's never been a better time to access the extra funds that can elevate your home to a new level of comfort. Consider unlocking the cash you need for the renovations and improvements you've been envisioning!
Mortgages for Investment Properties
Investment properties have become increasingly accessible to many average Canadians.
​
Especially smaller, residential real estate properties are now within reach for many. As any homeowner can attest, real estate has been one of the most appealing investment categories in Canada over the past decade. If you're contemplating an investment in real estate, begin by having a conversation with an experienced Mortgage Broker to explore some of the innovative options and attractive rates available today.
Mortgages for Pre-Approval
Considering house hunting? Get pre-approved first!
​
Determine how much you can afford before you start house hunting! This approach keeps your search focused on homes within your price range. If you qualify for a pre-approved mortgage, you'll have certainty about the size of the mortgage you qualify for and a guaranteed rate for a specific period. If you don't qualify for a pre-approved mortgage, we can assist you in estimating a mortgage-qualifying amount.
Mortgage Portability
Considering the Benefits of Mortgage Portability?
​
Are you contemplating a move? Wondering about the benefits of mortgage portability? It's prudent to start by consulting with a mortgage broker. You're about to take a significant step, and expert advice can be invaluable. Our best advice? Start with a conversation.
​
With access to multiple lenders, we can help you find the best rates and mortgage options to help you purchase your dream home.
Mortgages for Renew or Switch
Congratulations on your nearing mortgage maturity... let us assist you in securing a better rate!
If your mortgage renewal is imminent, you're about to reach a significant financial milestone. Now is an excellent time to explore the many innovative options and competitive rates available. Lenders typically send out renewal forms just before renewal dates to those with good payment histories, and about 70% of homeowners return them without asking any questions. While this may seem like the easiest route in our busy world, it's worth asking yourself some questions before signing on the dotted line. This could be a moment of great opportunity.
Perhaps your mortgage needs have evolved. Now is the time to decide. For instance, you might want to consolidate high-interest debt into your mortgage, or maybe you're considering tapping into your home equity for a renovation project. Or perhaps you're contemplating a cottage or vacation property. Are you confident you'll get the best rate at renewal?
​
Mortgages for New Canadians
Welcome to Canada!
​
Being a new immigrant doesn't mean you have to wait to purchase a home. You can qualify for a mortgage.
​
With access to multiple lenders, we can assist you in finding the best rates and mortgage options to help you buy your dream home.
Mortgages for Repairing your Credit
Bad credit can be distressing and embarrassing... but we have solutions!
​
Life is what happens when you're busy making other plans. Sometimes, things can spiral out of control. A bad credit rating can be distressing, embarrassing, and simply bad news. We encounter all kinds of credit ratings daily and have strategies to help improve and even repair damaged credit. You might be surprised to learn that you can still secure a mortgage. Whether you've experienced bankruptcy or your credit is only slightly bruised, you can obtain financing.
​
As mortgage professionals, we have access to non-traditional lenders who offer financing solutions to individuals facing credit challenges that can't be addressed by major financial institutions. Together, we can quickly assess your situation and decide on the best way forward. The worst thing you can do is nothing.
Mortgages for the Self Employed
Small and medium-sized businesses are the backbone of the Canadian economy.
​
When it comes to mortgages, being self-employed hasn't always been advantageous - reducing your taxable income can make it challenging to qualify for the mortgage you deserve. We understand the needs of business owners because we're business owners too.
​
We have an extensive list of institutional and private lenders that offer excellent mortgage options for self-employed Canadians. These lenders understand that self-employed individuals often have tax write-offs, leading to significant reductions in their declared income. With these mortgage lenders, you won't need to prove your income; a reasonable estimate of your annual income will be acceptable.
Mortgages for Vacation Homes
Enjoy quality time in your own vacation property.
​
More Canadians than ever are now spending quality time in their own vacation properties. Cottages are creating cherished family memories for many average Canadians, who are capitalizing on the fantastic low rates and innovative new mortgage products that make these getaway homes more accessible!
Private Mortgages
Private mortgages might seem unfamiliar to many Canadians, but they can offer an alternative financing solution for borrowers and a high-return investment opportunity for investors. Most banks and institutional lenders adhere to strict lending criteria and are often inflexible. Consequently, they tend to avoid such transactions. Private lenders, however, are willing to fund these transactions based on the equity and location of the home. Essentially, they step in where major banks or institutional lenders hesitate to tread.
​
The concept is straightforward - if time is not on your side and you can't wait for a lengthy approval process, or if you can't qualify for a regular mortgage from a bank or institutional lender, then a private lender may be the answer to your situation.
Private Mortgages as a Refinancing Alternative
Private mortgages can be an excellent solution for homeowners seeking alternative financing options. Nowadays, most home mortgages are held by a few major banks in the country, most of which have a strict and lengthy approval process. If you're a homeowner in need of funds for home renovations or personal expenses and can't secure a mortgage from the banks, then you can borrow the money through a private mortgage.
Mortgages for Renting to Own
What is Rent to Own?
In simple terms, rent-to-own is renting with the option to buy. The arrangement is set up using an Occupancy Agreement and an Option to Purchase Agreement. With rent-to-own, the tenant-buyer has the option to purchase the home at a pre-determined price within a specified time period. Rent to own is also known as lease to own, lease option, lease purchase, or rent to buy.
Benefits of Rent to Own
Rent to own offers several benefits, but the most significant advantage for our clients is that we can often provide a solution when the bank has declined. With rent to own programs, clients can:
- Make a smaller down payment
- Build equity (through monthly option credits)
- Create sweat equity (through home improvements)
- Avoid hefty closing costs
- Take time to repair or re-establish credit
How Does Rent to Own Work?
1. The tenant-buyer makes a small down payment, which is credited towards the purchase price when they buy the home.
2. The tenant-buyer makes monthly payments, a portion of each payment accumulates additional down payment funds, which are also credited towards the purchase price when they buy the home.
3. During the rent to own program, the tenant-buyer works to establish or repair their credit.
4. At the end of the program, the tenant-buyer applies for financing through a conventional lender.
5. With an accumulated down payment and a mortgage pre-approval, the tenant-buyer purchases the home and officially becomes a homeowner!
If you've felt disappointed or hopeless when it comes to buying your own home, or if you've been turned down by mortgage companies or banks before, you've come to the right place. At MSI, we specialize in helping deserving Ontario renters like you quickly transition into owning their own home.
.png)
Mortgages for Business Financing
Securing funding from banks and other traditional sources can be a lengthy and frustrating process. With credit markets as tight as they are, attempts to secure financing often lead to frustration and disappointment for small and medium-sized business owners.
​
The demand for simple and effective financing has tripled over the last decade, which is why an increasing number of businesses are turning to factoring as a highly effective and viable source of funding to meet their financial needs.
​
By selling credit-worthy invoices to Liquid Capital, businesses can acquire the working capital they need to fuel long-term growth and success. Fortunately, factoring is adaptable to a wide range of industries
Commercial Mortgages
Types of Commercial Real Estate Properties:
- Residential Condominium Developments
- Mixed-Use Developments
- Retail-Anchored Properties
- Retail-Non-Anchored Properties
- Multi-Family Residential Buildings
- Master Planned Developments
- Office Buildings
- Sky Rise Buildings
- Hotels & Motels
- Health Care Facilities
- Industrial Warehouses
- Self-Storage Facilities
- Golf Courses
- Master Planned Communities
- Raw Commercial Land Development
- Acquisitions
Commercial Real Estate Financing Programs:
- Short-Term Bridge Debt
- Mezzanine Financing
- Preferred Equity
- Participating Equity/Joint Venture Equity
- Hard Money Loans
- Private Note Loans
- High Leveraged 1st Mortgages
- Senior and Interim Construction Financing
- Permanent Long-Term Financing