Our award winning team has over 35 years combined experience in all aspects of finance, banking, and mortgages for first time home buyers, refinancing and real estate investors.
Like a travel agent who puts together a package for your trip, we can package the perfect mortgage for your needs. Whether you are a first time home buyer, being relocated, refinancing, purchasing a rental property or selling an existing home and buying a new one, our goal is to ensure we find the best mortgage financing solution to suit your needs.
As independent mortgage brokers and mortgage agents, we’re not tied to any one lender or range of products.
Our goal is to help you successfully finance your home or property.
We start by getting to know you and your homeownership goals. From there we make recommendations, drawing from available mortgage products that match your needs, and we will decide together on what’s right for you.
Many financial institutions would love to have you as a client, which is why they offer incentives to attract creditworthy customers.
These can include retail points programs, discounts on appliances, shopping clubs, and more.
We do the math on which offers might be worth your attention when it comes to financing or mortgage insurance so you can take full advantage of all the perks available to you.
We have access to a network of major public and private lenders in Canada. With our mortgage team your options are very extensive.
In addition to traditional lenders, we also know what is being offered by credit unions, trust companies and private lenders the general public may not have access to.
We also help you take care of other requirements before your closing date such as sourcing mortgage default insurance if your down payment is less than 20% of the purchase price.
You can expect a superior service unlike anything a bank can offer you when you have us work with you on your home ownership goals.
Even if you’ve already been pre-approved for a mortgage by your bank or another financial institution, you’re not obliged to stop shopping!
We will continue to investigate and lender shop on your behalf to see if there is an alternative to better suit your needs.
Many people get stuck on rates, rates, and more rates. But sometimes rates are not all that matters.
We take the whole picture of your financial situation and future long term financial and investment goals into account when presenting you with the many lending options available.
Many people are uncertain or uncomfortable negotiating their mortgage directly with their bank.
If you are of the belief your bank will automatically give you the best possible mortgage rate or terms based on your financial situation, we can almost guarantee you there is a better option or a lender who is willing to compete for your business.
We negotiate mortgages with lenders each and every day on behalf of Canadian homebuyers, real estate investors, high net worth individuals and people who would just rather have us roll up the sleeves and do the negotiating for them.
You can count on our market knowledge, 25 years combined experience and connections to lenders to secure competitive rates and terms that benefit you the most in the long run.
If you are concerned about negotiating with your bank or have any questions about the mortgage application process contact us and get an unbiased and honest look at your financial situation from a team that has your best interests at heart.
You need to find a mortgage or refinance an existing one, but you have questions.
• Where do I start?
• Which lender best fits my needs?
• Which lender can offer me the best value?
• Are there really differences between mortgages?
• Which features are best for me?
We have experience working with banks and other lenders. We can help you to understand the benefits of the various rate options, the various types of mortgage terms and help you to decide which one might be right for you.
Finding a mortgage or refinance solution that’s right for you can take hours, even days or weeks.
Whether its your first home or your hundreth home the amount of time it takes to negotiate with lenders and put custom mortgage packages together can be better spent getting ready for your new home.
As your mortgage brokers we do most of the leg work for you. We research mortgage financing and lender options, process the application and document requirements and negotiate with lenders on your behalf.
We work directly with dozens of lenders and can quickly narrow down a list of those that suit you the best.
We make comparison shopping fast, easy and convenient by bringing a broad range of customized mortgage solutions for you to choose from.
As your personal mortgage brokers we work with you through every step of the purchase or refinance process.
Right from the mortgage pre-approval we walk you through the application process and help you to understand your financing options and answer your questions.
Even once your mortgage is signed and paperwork is complete, we are here if you need any advice on closing details or even future referral needs.
As your mortgage advisors we keep you informed and we're here to be of assistance when you need it.
We pride ourselves on providing superior service and developing lasting relationships with all of our clients.
Are you getting ready to purchase your first home?
Buying your first home or investment property is an exciting time that you should be able to enjoy without having to worry about over paying for your home in interest rates or mortgage terms that aren't best suited to your long range investment or financial goals.
Dealing with the bank in a traditional way by going in and speaking with their mortgage advisors and assuming they are going to give you the best interest rates or terms can in many cases cost 10's of thousands of dollars on your mortgage.
Using our mortgage calculator you can see how quickly the savings add up when you get a preferred interest rate or better terms.
We work with you personally throughout the mortgage application process to make sure you get the right home financing options that meet your needs and give you a number of home financing options to choose from.
Let us do the work for you so you can enjoy the process of buying your first home!
Is your mortgage coming up for renewal?
Do you need to pull equity out of your home for a remodel, large purchase, vacation, or to condolidate debt?
Are you shopping around for the best mortgage terms on your own?
If you're not happy with the current terms of your mortgage and you're in the market to refinance, you could be saving tens and in some cases hundreds of thousands of dollars in payments by having our team assess your current mortgage terms and present you with lenders that will offer a customized mortgage to suit your needs.
We make sure to match you with lenders that have the loan products you need and can get you the best mortgage rates and terms available for your situation.
Are you thinking of investing in real estate?
Are you already a real estate investor and not sure if you're getting the best mortgage rates and terms?
Investment Mortgages can be tricky as there is more checks and balances to walk through and paperwork to navigate.
If you're already investing in real estate or have been mortgage rate shopping for awhile you know how this process can go and that you need the right mortgage brokers with the experience and connections to make the financing portion of your investment goals go smoothly.
Many of our clients are real estate investors and multiple home owners. After consultation and evaluation of your current real estate portfolio we guide you to the right lenders and walk you through the pitfalls of qualifying for another investment property.
We're here to see you get approved for your financing and succeed in your investment goals.
We didn't get to the top 2% of mortgage brokers across Canada without a large majority of our clients having a healthy real estate investment portfolio.
Take advantage of our combined 25 years experience negotiating financing for real estate investors, call us today!
Often times residential financing can only take you so far, the next step in developing a real estate portfolio is working with a commercial lender.
Whether a residential or commercial mortgage when you're negotiating with the traditional charter banks on your own you're left limited to the lending products of that particular banking institution.
Unlike your banks mortgage advisor we have the flexibility, relationships and experience to bring you a wide variety of lending options properly suited to your situation. We are not bound by the confines of pre-defined mortgage terms and rates.
If you're not familiar with how commercial mortgages are structured and the many advantages and benefits they can bring give us a call, we can answer any questions you may have and walk you through the mortgage application process.
We are the mortgage financing partners you need to get to the the next level in building your real estate portfolio and saving money while you do it.
As mortgage experts who specialize in working with investor clients, we have been able to develop relationships with lenders who understand the dynamics of mortgages for investment purposes as well as your typical residential mortgage financing.
Do you have a lot of equity built up in your property or portfolio but have an uneasy feeling about getting your next mortgage from a bank?
You should. In most cases the bank has one thing they are beholden to and that is maximize profits at any cost including the cost to you in the long run by not getting the best mortgage rates and terms available given you situation.
We have a high performing and solid client portfolio of High Equity Investors who need specialized finanical advice and mortgage options.
We specialize in offering boutique mortgage and lending products for high net worth individuals.
Even if you've already been to the bank or another lender it doesn't mean you can't continue to shop around, or better yet call us and have us do the shopping for you and customize a plan that works for your financial benefit not the banks.
Let’s be honest, most bankers working for your typical bank have no idea what a debt coverage ratio is, let alone how to use it towards qualifying for a mortgage. If you are thinking about buying your first or hundredth property, we can help you with the next step.
Qualifying for a mortgage has become more complicated as the years have gone by.
Having proper and organized documentation that the lenders we match you with will require is key to getting not only approved for your financing but also for getting the best mortgage rates and terms available.
As part of working with our team we walk you through the mortgage doumentation process, make sure you understand everything required of you and submit this to the lenders on your behalf.
We make sure that the t's are crossed and the i's are dotted on your paperwork and that you have everything you need to get the best home financing options available to you.
When you work with us for your mortgage financing you don't have to worry about missing a last minute form, forgetting to submit documents before closing or getting caught up in unforseen red tape.
We have over 25 years combined experience in guiding our clients through the mortgage application process and heading off any potential pitfalls and road blocks to you securing your home financing before they come up.
If you're unsure what type of documentation you may need or how the application process works give us call and we can answer any questions you may have, or check out our mortgage resources section where you will find topics related to mortgage documents and general terms you will hear throughout the mortgage application process.
I've been using Cory as my mortgage broker for over 10 years. He's done three mortgages for me. They have always taken the time to explain all the details and to get the benefits of variable compared to fixed rate. I'm very happy with their service.
"I have been working with Jen and Cory for five+ years on mortgages. They are a great team to work with; very friendly and efficient!"
"Cory and Jen are extremely knowledgeable, personable and professional. They are easy to work with and prompt in dealing with any questions or concerns. I will definitely use them again."
Jen Reiffer has been a licensed mortgage broker since 2003 and is a member of Mortgage Professionals Canada as well as the Mortgage Brokers Association of BC (MBABC).
Jen prides herself on the fact that 100% of her business comes from referrals, and her past clients will attest to the outstanding service she provides throughout the mortgage process and after completion.
Her work doesn’t end when the home purchase completes! Staying on top of mortgage rate changes, updates in the market, and keeping her clients informed of anything that can impact their financial investment are some of the many ways Jen goes out of her way for her clients.
Buying or refinancing a home is one of the biggest investments in your life, and as your trusted Mortgage Advisor, Jen is pleased that she may share this experience with you.
So when you decide to buy a new home, refinance, or renovate an existing home, call Jen so that you may benefit from her vast knowledge and outstanding service!
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