From mortgages, home equity line of credits, planning for renovations, to insuring your new home, we help you put together the plan and put it in action.
From sourcing your down payment to estimating your mortgage payments, determining affordability is the first step.
You've done the heavy lifting by creating a budget & crunching the numbers, and now it's time to confirm details with your advisor.
You've received pre-approval, moved on a home, and are ready for the responsibilities of home ownership.
Calculate what you can afford
First time home buyers
We take pride in helping you get into a first home that you'll love. Your mortgage experience is a big part of your home buying process, and we want to set you up to succeed. We'll guide you through everything, including all you need to know about first-time home buyer incentives, as well as tools and resources to help you make that first purchase with the confidence.
If you're just getting started down the path toward home ownership, here are two places we recommend starting:
- Open a First Home Savings Account - With a $40,000 lifetime limit, enjoy the combined perks of an RRSP and TFSA—meaning contributions are tax-deductible and your eventual withdrawal will be tax-free.
- Utilize the Home Buyers' Plan - Already have funds invested in you RRSP? This government program allows you to withdraw up to $60,000 from your RRSP to purchase a home.
PRO TIP! Our mortgage calculator can give you a rough idea of what you can expect to afford given your household income. Or see the difference that accelerated payments can make to pay off your mortgage faster and save on interest!
Looking to get into your first home sooner?
Borrow up to 50% of your down payment with our new Borrowed Down Payment program.
Smoothly navigate pre-approval
Get your mortgage pre-approved
We make pre-approval as simple as possible, while helping you to ensure you're getting everything you need. Pre-approval lets you shop and negotiate with confidence, knowing how much you can borrow, so you won't waste time with homes out of your price range.
After you book an appointment, you'll need to provide:
- Previous year's income tax Notice of Assessment
- Two most recent paystubs (if self-employed, the previous two years of income and business records)
Refinancing your home
There are many reasons why you might consider refinancing. You might be looking for a shorter term in order to build equity faster, or access to extra cash for a special project or unexpected cost, or a chance to take advantage of lower rates and lower monthly payments. No matter what your reason, we'll help you make the smartest decision to achieve your goals.
Renewing your mortgage
Your mortgage should change to meet your needs as your life changes. Several months before your mortgage’s term is due, we’ll be in touch to help you begin the renewal process, and we now offer the option to sign documents electronically from the comfort of your own home. We give you the advice, time and tools to make a considered decision and get the perfect mortgage renewal for your life.
Selling your home
Your home is a big part of your life. We understand how difficult it can be to put your home on the market and also know the selling process can be lengthy and emotional, and it's easy to feel overwhelmed. That’s why we’re here to give you the advice and support you need to ensure you feel confident you’ll meet your financial needs from the sale.
Tools & Resources
Discover more
First time home buyers
Thinking of buying a new home? Make sure you're prepared and know all your options.
Get financially fit
Get into shape by building healthy habits for your financial future with our Financial Fitness Series.
Home & Property
Your home is big part of your life. We can help you protect it with insurance that works for you.
We're here to help
every step of the way.
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