Passion - Pride - Purpose

We work on your behalf to find you the mortgage that best suits your needs. Our agents have expertise in all facets of mortgage lending and will not only ensure that you receive the best interest rate possible.


Refinances, Debt Consolidation, Renovations, Money for Investments… We’ll get you the money you need at the rate you want!

Mortgage Renewal

Time to renew your mortgage? Don’t just sign the first offer you see from your bank. Let us help you get the best product for you and a great rate!

First Time Buyers

Ready to buy a home? Get a fast Pre-Approval, Lock in at a Low Rate, and Shop with Confidence! We are Canada’s mortgage experts.


Like most of us, you probably have a car payment, some credit cards, retails cards, and maybe some personal loans.  The month to month cost of all these debts combined can make it very difficult to get ahead, as all you end up doing is paying the interest or “minimum balances” of the loans.

Using the money in your home to consolidate all of your debt is a winning solution.  Combining all of your debts and adding them onto your mortgage, also known as refinancing,  has several advantages.

For one, the interest rate and amount of interest you pay is lower overall.  Interest paid on credit cards can range from 10% to as high as 29% interest!  This rate is compounded monthly as opposed to the semi-annual compounding period you get with a mortgage.

Perhaps the biggest advantage though is the monthly payment.  By adding your debts to you mortgage, you can capitalize on a very low monthly payment.  This can often give you the breathing room needed to put a plan in action and really start paying off your debt.

Here is an example of what refinancing can do to your monthly payments:



Car Payment

Line of Credit

Credit Card #1

Credit Card #2

Mortgage Payment

Total Payments



















*This example is based on a total debt of $142,000 refinanced on a fixed rate mortgage set at 3.9% and on a 5 year term.

By consolidating your debts you can save thousands each year in interest alone.  You will keep your credit rating in good shape by not missing any payments and eliminate late fees and penalties.

With interest rates still near an all time low, it just makes sense to consolidate all of your debt.