Tools and Applications
What is a mortgage going to cost you each month?
Try one of our easy to use mortgage calculators below to get a quick idea. If you have any questions, simply call or email for fast service.
Simple Mortgage Calculator
Calculate the maximum mortgage amount you qualify for based on your income. A great tool for buyers.
Maximum Mortgage Calculator
Calculate your mortgage payment. Create an amortization schedule. Discover what you will owe in 5 years.
Amortization Calculator
Calculate your mortgage payment. Create an amortization schedule. Discover what you will owe in 5 years.
Prepayment Analyzer
Discover how many years you will shorten your amortization and how much interest savings you will realize by making a lump sum payment on your mortgage.
Payment Analyzer
Calculate your mortgage payment for several different payment frequencies which include...weekly, bi-weekly, semi-monthly and monthly payment types.
Rent or Buy Analyzer
Compare the financial advantage of renting and buying based on your current monthly rent, funds towards your down payment and your desired monthly payment if you purchased a home.
What we need for the mortgage process.
Providing all of the required documentation ensures that we can efficiently process your mortgage application. We will advise which of the following you will need to provide:
- Agreement of Purchase and Sale
- MLS Listing
- Contact information for your lawyer: name, address, phone and fax numbers
- 2 pieces of personal identification for all parties involved
- Income and employment verification
- Recent pay stub(s)
- Letter of employment
- T4(s)
- Notice of Assessment(s) if self employed (NOAs)
- Proof of Down Payment: 3-month history of savings/investments
- Gift letter with bank statement
- Void cheque
- Copy of home insurance policy
An appraisal of the property may also be ordered.
We like to roll up my sleeves so we get to know each other better. We like to be completely clear on your needs today and your goals for the future. We will send your application to the lender (or lenders) that can best meet your needs.
We deal with over 50 lending institutions, including major banks, credit unions, trusts and other national and regional lenders, which means we can put significant negotiating power to work for you. This wealth of product choice helps me find the best mortgage to fit your specific financial situation.
After your mortgage closes, we will continue to stay in touch with ongoing communications, because life doesn’t stand still and your mortgage needs can change over time. As your needs and situation shift, we will tailor your mortgage plan so that it always fits your current goals.
We appreciate any referrals – Thanks again