Purchase

Buying a home is the largest investment most people will make during their lifetime. We want to help you realize your homeownership dreams while maintaining financial wellbeing. We are attentive to all the mortgage options available to buyers prior to their purchase and closing dates. Financial institutions regularly launch new products and programs, making it easier for you to move into that new home sooner. Today, there are a multitude of innovative financing alternatives which are making home ownership a reality for more people than ever.
We have access to the best products in Quebec and across Canada. Whether you are a first-time buyer or an experienced buyer with excellent credit, we guarantee that you will have access to the greatest mortgage options on the market.

Equity Take-Out

Equity take out allows homeowners to tap into the value of their property to access funds. The key to qualifying for this option is having at least 20% equity in your home. This means you must own at least 20% of your home's value and not owe more than 80% of its market value.
For example, if your home is valued at $500,000, you need to have at least $100,000 in equity. This equity can be accessed for various financial needs, such as renovations, debt consolidation, or major purchases. By leveraging your home’s equity, you can secure a loan or line of credit with typically lower interest rates than unsecured loans, making it a cost-effective financial strategy.

Equity take out is a powerful tool for homeowners looking to utilize their property’s value without having to sell it. It's essential to work with a knowledgeable mortgage broker to navigate the process and ensure you get the best terms and rates available.

Secured Line Of Credit

A HELOC (home equity line of credit) is an alternative way to borrow. With a HELOC, your home’s equity becomes collateral to provide you with a supply of credit. You decide how much credit you need, when you need it, then repay it when you can. There is never a penalty to pay off your balance. A HELOC is flexible the way a loan isn’t. Once approved, a line of credit can be accessed any time, for any amount up to your limit.

Renewal

If you get a mortgage renewal form, please don’t hesitate to contact us to get the best broker advice around. We will make sure your new loan offers flexibility that is aligned with your future goals as your needs may have changed since you chose your last mortgage, and we will help you find the right fit.

Debt Consolidation

Are you held back by high-interest rate debt? Get debt-free sooner and immediately increase monthly cash-flow by consolidating all your debts into one lower interest rate. Why pay high interest rates on your bank’s credit card debt when you can add that debt to your mortgage and pay a much lower interest rate! One important part of a strategy is knowing “good debt” from “bad debt”. A well-planned mortgage can help you turn those bad debts into good debts and get them out of the way.

Declined By Bank

There could be several reasons why your bank may have declined you for a mortgage. The good news is that there are solutions, which exist to support you in getting accepted for a mortgage regardless of your circumstances. Find out how we can work for you and help you to realize your dream of owning a home.

Self-employed

It has become increasingly more difficult for self-employed individuals to finance properties. It’s not news that the majority of business for self-employed may not claim as much in personal income due to business expenses and the opportunity to reduce ones tax liability.

Bruised Credit

We help our clients spot and repair errors to help boost credit scores all through the power of home equity. The key to your credit health is knowing how your own credit is scored, reported and managed. Many Canadians are unaware of how their own credit score or number ended up on their report.

Bankruptcies

After bankruptcy, you should get a credit card to start reporting and rebuilding your credit. Take the initiative of rebuilding your credit history and the opportunity of a clean slate. Ensure that you stay on top of monthly payments and pay your credit card bill on time and if possible, in full. By doing this, you’ll rebuild your credit for lenders to take into consideration when you eventually apply for a mortgage.

Back Taxes

Sometimes life events happen, and we may fall behind on our taxes. It initially seems like a small problem, but it grows fast. Unpaid taxes can accrue penalties and interest, quickly turning into a significant financial burden. This not only impacts your credit score but can also hinder your ability to secure financing, including mortgages.

Resolving back taxes in a timely manner is one of the best financial decisions you can make. Addressing this issue promptly can prevent further penalties and interest accumulation. It also demonstrates financial responsibility to lenders, improving your chances of securing a mortgage or other types of credit.

If you’re struggling with back taxes, consider working with a tax professional or financial advisor to develop a repayment plan. Many solutions, such as payment arrangements with the CRA, can help you manage and clear your tax debt more effectively. By taking proactive steps to resolve back taxes, you can regain financial stability and move forward with confidence.

Private Lending

With access to many private lenders, we can customize a private mortgage to suit your individual needs and situation. Private mortgages do not take the traditional approach to mortgage financing. Each mortgage is carefully designed and may fall within a wide range of rates, fees and mortgage amount. What happens after the life of a private mortgage? While every scenario is unique, there are decisions to be made under as a private mortgage approaches it’s maturity date. Let us ease the stress of searching for the most cost effective solution that has the features and terms that work for you.

Commercial Lending

We understand the sophistication and analysis required to finance commercial properties.
We can help you raise the necessary funding as we have access to a wide range of lenders and investors to provide you with the right funding support for your acquisition and beyond.

Equipment Financing

Equipment purchases can significantly increase the efficiency of any institution, driving growth and productivity. However, if ill-financed, these purchases can become a financial burden, potentially leading to the downfall of the company. High interest rates, inflexible terms, or inadequate financing plans can strain cash flow and hinder operational stability.

We assure you that we will match the proper financing terms and conditions to your equipment purchase. Our goal is to provide financing solutions that align with your business's cash flow and growth objectives. By securing the right financing, we help you maximize the benefits of your equipment investment without compromising your financial health. 

Mergers And Acquisitions (M&A) Financing

We understand the sophistication and analysis required to finance commercial properties.
One of the most common ways to grow a business or enter the entrepreneurship world is by acquisition. Financing of these types of transactions are critical to the ultimate success of the said integration.
We can help you focus on the purchase or sale of your company without having to place any energy on the financing. Many entrepreneurs focus so much energy on the negotiations, financing and related aspects of a merger or acquisition, that they lose sight of the real objective-their current operations. Thus, reducing profits and the overall value of their business.

Working Capital

Every business owner knows that cash flow is king! Everything has a cause and effect, never lose an opportunity because of working capital.

Asset Based Financing

If your company is having hyper growth or Financial distress and needs additional working capital to achieve your goals; Asset Based lending may be best suited for you.
This form of lending may supply you with a higher value than alternative lending facilities. Here profitability is less of a determining factor.

Supplier Guarantees

Supplier credit is fundamental to maintaining a healthy cash flow, especially when sales are increasing at an unprecedented rate. Reliable supplier credit ensures you have the necessary inventory to meet growing demand without straining your finances. However, during periods of rapid growth, suppliers might be hesitant to extend credit without guarantees.

We can facilitate financial backing to assure that these suppliers continue supporting you while you grow. Our supplier guarantee solutions provide the assurance suppliers need, securing their confidence in extending credit. This allows you to maintain robust inventory levels, meet customer demand, and continue your growth trajectory without interruption. By partnering with us, you ensure that your supplier relationships remain strong and supportive, even as your business scales new heights.