"Lots of websites list what they call 'Today's Best Rates'. But I'd rather not mislead you."


Mortgage rates change regularly, so you may see a rate advertised that's no longer available by the time you apply. What's more, certain rates are only available to clients with specific needs or credit qualifications. There's no way for you to know whether an advertised rate is what you'll end up getting. As a mortgage specialist, John saves you money by sourcing the best product at the best rates - not only on your first mortgage but through every subsequent renewal.

Another consideration is that some mortgages with very low rates may not give you the options or flexibility you need. The only way we can accurately quote you the best rate is to do a free analysis of your situation, needs and goals. Then once we know exactly what's right for you, we'll shop the market and find you the best-available package of rates and features.

A mortgage can be used for financing many different things, including:

  • Purchasing or constructing a new home
  • Purchasing an existing home
  • Refinancing to consolidate debts
  • Financing a renovation
  • Financing the purchase of other investments
  • Financing the purchase of an investment property

Since a mortgage is a fully secured form of financing, the interest you pay is usually less than with most other types of financing. Many people use the equity in their homes to finance the purchase of investments. Using a Secured Line of Credit , or a fixed-rate mortgage, the interest costs are substantially lower, and they can even write off those interest payments against their taxable incomes. 


Mortgage Renewals

Most homeowners simply sign the lenders renewal without shopping for the best rate and terms.

  • We shop for you, no charge
  • No cost switch program
  • Canada's best prepayment options

Purchase Mortgage

A mortgage profession here to help you make the right decision.

  • Home Purchase Advice & Services
  • Shop all the Banks
  • Lowest Rates
  • Self-employed / New to Canada
  • Lower your monthly payments

Home Equity Loans

You need the help of a mortgage professional to make the right decisions.

  • Many programs to help you
  • Easy access to low interest loans
  • Start a new business
  • Renovations and home improvements
  • Education, Invest for retirement
  • Canada's best prepayment options


Mortgage Refinance

Mortgage refinance can prove beneficial in several ways.

  • Get cash out for any purpose
  • Consolidate high interest credit cards
  • Lower your monthly payments
  • Renovations and home improvements
  • Programs for self-employed
  • Canada's best prepayment options

Click here to download a Mortgage Application form.