Mortgage Solutions

A better mortgage experience

Our mortgage agents will find the perfect mortgage solution  for you, always at the lowest rate

House searching: what can you afford and how much will be your down payment?  If you are planning to buy a home or a real estate property, most likely you will need a mortgage.

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Consolidate your debt, such as credit car, car loan and line of credit by refinancing your mortgage. Access up to 80% of your home’s value. Take advantage of lower interest rate and better terms and lower your payments.

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Take the stress out of buying your first home: let us help you find the most affordable mortgage rates and benefit from the various programs available to first-time home buyers in Ontario.

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Whether you're a new Canadian or a permanent resident, owning your home does not have to remain a dream. Your credit score and the size of your down payment can help you obtain a mortgage and make your dream home a reality

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Own your dream vacation property, second home, or crash pad in the city with as little as 5% down. With a variety of lenders, we can help you find the best rate on a second mortgage with fast approval.

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Divorce may bring about financial complications, but mortgage approval does not have to be an impossibility. If you are in the process of divorcing, we can assist you in identifying your best options for mortgage financing.

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Pre-approval process at Bay Mortgage is intended to accelerate the first phase of your home buying process. Once you are pre-approved, you can make an offer on a home. Find out what can you afford and hold the rate up to 120 days. It’s FREE

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Mortgage renewals are one of the most overlooked financial decisions. Better interest this time. See how your current lender stacks up against the best offers on the market and find out what savings we can generate for you.

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Investing in real estate can be both secure and lucrative, but only if your financing is top-notch. Let us help you choose the best mortgage to finance your residential or commercial investment property.

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Self-employment and mortgages are not mutually exclusive. Business owners and self-employed individuals will qualify for mortgage financing from a variety of lenders, who will only require documentation as proof of repayment capacity.

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Take advantage of the increased value of your home with a HELOC (home equity line of credit). A HELOC is a low-rate, quick-approval, flexible line of credit that you can repay at your own pace, without any penalties for over payment.

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Bad credit does not have to follow you around your whole life. We can help you find the best financial options to obtain a mortgage and embark on the process of repairing your credit history.

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