FAQS
Serving Kitchener, Waterloo, Cambridge, Guelph, Brantford, and Hamilton. Ready to explore your options?
Common Questions
Most Popular Mortgage Questions
There are a number of key factors in determining affordability: income, current debts, credit rating, and down payment amount. Schedule a FREE consultation and Kevin will guide you through a clear, personalized number.
The fixed rate is one that will remain steady and will not change for the entire term. A variable rate moves with the market, meaning it can rise or fall over time. The choice depends on the risk tolerance and the time horizon that you have for the mortgage.
You'll typically need proof of income, identification, a summary of your current debts, and details on your down payment source. Kevin will give you a checklist for your particular application.
Yes. There are still good options for business owners, but lenders that specialize in this type of documentation are available to work with Kevin.
A renewal offer will be sent to you by your lender when your term is up – often this is not the best rate they can provide. Before you sign anything, Kevin looks to the market to determine if better terms are available.
Yes. Allow for closing costs such as legal fees, land transfer tax and title insurance, that range from 1.5% to 4% of the purchase price. Kevin can help you budget for these ahead of time.
