When it comes to your financial well being, we have your best interest in mind. We have earned a reputation in London, Ontario and across Canada for being hands on, thorough and thoughtful when designing a plan of action. We take a look at your current situation as well as assess your short and long-term goals, in order to ensure that the financial decisions you make now will also accommodate your plans for the future.We are specialized in every aspect of the mortgage process and can assist with any of the following:
Whether you are a first time home buyer or a repeat home buyer, we specialize in mortgage pre-approvals and can assist in determining an accurate budget for your financial situation. We are both thorough and timely, which means you can expedite the home buying process to get your offer in on that house of your dreams.
If you are looking to purchase a vacation home or a second property, we can guide you on your options for making your next acquisition, including how much you’ll need for a down payment and how to use your home equity to make your purchase.
If you are renewing your mortgage, your current institution will likely offer you higher lending rates than the current market rates. We can help determine the right product and rate, as well as leverage the negotiating power that you have as a current mortgage holder.
Whether it’s taking advantage of a lower interest rate or consolidating your debt, refinancing your mortgage can be a strategic financial decision. We can analyze your current situation and look for ways to help lower your monthly payments, free up cash, or switch from a variable rate to a fixed rate
We can assist with transferring your mortgage from one property to another. If you are looking to move within the term of the mortgage, the ability to port your mortgage is an important feature to have, especially if the interest rate is lower than the current rate.
Those who are self-employed often think it’s impossible to get pre-approved for a mortgage, and this couldn't be further from the truth. We’ve worked with a variety of self-employed individuals who all have unique needs, and we can develop creative solutions to securing financing.
Adding investment properties is a great way to expand your real estate portfolio, generating positive cash flow over time while increasing your net worth. We can sit down and determine which types of investment properties best suit your financial situation and long term goals.
The types of services and products for commercial financing are constantly changing. When it comes to a new acquisition or restructure the terms of an existing one, you want to make sure you are up-to-date with the latest information. We specialize in assessing your current financial situation and developing a unique plan to achieve your goals, whether for an investment property or owner-occupied real estate.
We have a strong network of reputable financial lenders in London, Ontario, which is a great option for those who are unable to secure financing through traditional institutions. While the interest may be higher and there may be certain fees, this is a great opportunity for those with bad credit, who can’t meet the income verification, or for properties that fall outside of the traditional criteria.
We have specific programs in place to help those with poor credit get back on track. We offer one-on-one financial coaching and can show you the steps you need to take to repair your credit and get to a stable financial level.
Speak to us today to learn more about how we’ve helped people from all walks of life with different financial backgrounds get pre-approved for a mortgage. We have access to leading lenders that are ready to offer low interest rates and great financing options to our clients.
We help you understand what your mortgage pre-approval means and how you can improve your standings, if you’re not fully satisfied with the results. Remember we work for you, not the lender, and are completely dedicated to giving exceptional customer service and the results that exceed your expectations.
Get in touch for your free, no-obligation consultation from one of our expert mortgage brokers and discover the difference with Mike and Mindy.
SOUND TOO GOOD TO BE TRUE?
FOR ONCE, IT’S NOT.
As the name “Reverse Mortgage” suggests, it’s basically the reverse structure of a regular mortgage. Instead of making mortgage payments to the bank, the bank sends payments to you!
Everyone’s financial needs are different, so whether you are looking for consistent cash flow or a lump sum, the CHIP Reverse Mortgage could be a viable option.
Perhaps you are at the point in your life where you love your home and want to stay there, but need to make some financial adjustments to make it sustainable. You could be wanting to do some renovations but don’t have the cash on hand. Your RRSPs aren’t quite enough to give you the comfortable retirement you were planning. Or, maybe you want a larger amount to help your son or daughter with a down payment on their first home.
This unique type of Reverse Mortgage allows you to take advantage of a customized plan that suits your lifestyle and individual financial needs, and there are a few different ways to receive the amount of money you are eligible for.
In the meantime, hear some personal stories about how the CHIP Reverse Mortgage has helped change lives: