If you need a mortgage, we have the solution. We know that different people need different things in a mortgage; that is why we have solutions for all kinds of home owners. Whether you are new to Canada, first time buying a home, or currently own a home, or maybe you are looking into purchasing an investment property or a vacation home, we have many mortgage products available to help you achieve your financial goals. If your credit is not perfect we can help. As mortgage brokers, we work for you and not any one bank. This allows us to shop the market to find competitive rates and products that best suit your needs . - Your First Home
First-time home buyers, get the information you need and make the right decisions about buying your first home. Learn about the mortgage process, the right way to get a pre-approval, and the home loan options available to you. MortgageClub.ca is here to make the Canadian first time home buyer experience an easy one.
- Your Next Home
You need a bigger yard. A private drive. A baby's room (congratulations!) Whatever your reason for moving on, make it a smooth one. We have answers to the mortgage questions you probably have now, like: "What is porting?" "Should I sell before I buy?" and "Can I afford the home I want?" Become a Power Buyer before you start shopping.
- Renewing Your Mortgage
What happened the last time your mortgage came up for renewal? Did the bank simply drop a reminder in the mail, expecting you to sign without offering any incentives, discount or personal attention to your current finances?
- Debt Consolidation and Refinancing
Learn when you should or shouldn't refinance to make sure you always have the right mortgage. Our home mortgage experts are available to analyze your unique mortgage situation and help you make the best financial decision for your home loan needs.
- Self Employed
We understand that at least 20% of Canadian have their own business or have job that are not 9 to 5 with a regular pay check. Self-Employed borrowers, Commissioned Sales people, Taxi drivers, or borrowers that cannot provide traditional income verification may now qualify for a high ratio mortgage for purchase or refinance purposes.
- No Doc Home Loans
Less paperwork means less hassle for you, and a faster mortgage approval and processing. But it could mean a higher rate. Get the lowdown on no and low doc loans.
- No Income Qualifier
Stated-Income, or low doc loans, typically attract people who work on a cash or commission basis - people who don't draw a consistent salary. The borrower might need to show tax returns to prove that they do not owe personal taxes and bank statements.
- New to Canada
You've moved to Canada. Congratulations! It's a time of many changes for you and your family. If you're like most immigrants to Canada, one of the things you'll almost certainly want to consider is buying a home to settle into.
- Low or No Down Payment? No Problem!
Low down payment? No down payment? No problem! Learn how to bring less of your own money to the closing on your new home. Low- and no-down payment mortgages can still be affordable, and a great home loan option.
- Poor Credit Rating or Bank Decline
If you have been late in making payments or had other situations which impaired your credit rating, we may be able to assist you to renew your existing mortgage or locate a lender to mortgage your home purchase. We will also provide you with free advice regarding how to repair your credit rating.
- 2nd Mortgages
Why do homeowners take out 2nd mortgages (home equity loans)? To use their home equity for important expenses, like sending their kids to university, renovating their homes or paying off outstanding debts.
- Private Morgages
Private mortgages are funded by individuals or groups who want to make a better return on their investment than 2% in a GIC at their bank. They are comfortable with investments that are secured by real estate and they will look past bad credit, bankruptcy, and environmental or zoning issues.
- Vacation Home or 2nd Home
It has never been easier to bring your vision of beach front, mountain, or lakeside properties into focus. With the proper planning and home financing, your dream of owning a vacation retreat can be a reality. Top Reasons For Buying A Second Home: Vacation, Plan for retirement, Diversify investments, Rental income.
- Investment Properties
MortgageClub.ca can get you approved for an investment property loan before you begin your property search. MortgageClub.ca Loans allows you to invest in properties with up to six units and receive a low residential interest rate.
- Commercial Financing
MorgageClub.ca provides commercial mortgage financing for a wide range of products for both conventional loans and those insured by Canada Mortgage and Housing Corporation. We have lenders offering long-term mortgage for an apartment building, shopping centre, office building, gas station, church or industrial property.
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