Here is the tip of the iceberg of what we can do:
First Time Home Buyers
Specializing in guiding new buyers through the mortgage process with tailored solutions and expert advice. You will know what the next steps are, and start the process from a position of confidence with an underwritten pre-approval certificate.
Mortgage Renewal:
Don’t just sign the renewal form. Get the confidence of knowing its competitive and you are not spending more money than you have to. Assisting clients in evaluating and renewing their mortgages to ensure they continue to meet their financial goals and get the best deal out there is always a goal.
Refinancing Options:
Need to renovate? Pay of some higher interest debt? CRA Debt needs to be paid? Providing opportunities to refinance for better rates, debt consolidation, or accessing home equity we do all the time.
Investment Property Financing:
Expert solutions for those looking to invest in Alberta’s real estate market. Need a rental? Need a line of credit to take advantage of investment write offs with the Smith Maneuver?
Commercial Mortgages:
Assisting businesses with their unique mortgage needs for commercial properties. We have specialists that can help.
Self-Employed Mortgages:
With 10% down we can state your income, or 5% down if we have illustrated your business income and corporate stability.
Navigating Through Life’s Changes: Separation and Divorce
Life’s most challenging chapters, like separation or divorce, bring not just emotional upheaval but also practical financial considerations. In these times of change, our skilled mortgage brokers are your steadfast allies. We recognize the daunting task of managing a mortgage solo after such significant life shifts. Our approach? Collaborative and understanding, working hand-in-hand with your legal and financial advisors for a smooth transition.
What We Offer Our forte lies in crafting mortgage solutions attuned to your specific needs, aiding in your journey towards financial independence and stability post-divorce or separation. Our team goes beyond mere financial guidance; we’re here to offer a supportive ear and empathetic advice. We believe in the power of the right mortgage partnership to not only navigate this difficult phase but also to lay a solid foundation for your future.
Whether you’re just starting to unravel the complexities of separation or are ready to take the next step post-divorce, we’re here to present you with options. Be it acquiring a new home independently or assuming ownership of the family residence, we’ve got you covered.
Ready to Start? Simply fill out our online application. Our prompt response ensures you’re not alone in this journey. Let’s navigate this path together, towards a stable and secure future.
Your Canadian Homeownership Journey Begins Here NEW TO CANADA
Welcome to Canada! We’re thrilled you’ve found us. As a newcomer, the journey through Canada’s mortgage landscape might seem overwhelming, but it doesn’t have to be. A knowledgeable mortgage broker is key to smoothing out this process.
Starting anew in Canada means building credit and grasping the nuances of our mortgage system. Our team, specializing in assisting newcomers, becomes your reliable navigator in this journey. We understand the unique challenges you face and collaborate with lenders adept at providing competitive rates and terms for those with limited Canadian credit history.
With us, your aspiration of owning a Canadian home isn’t just a dream; we make it an achievable goal, regardless of your newcomer status.
The Process We’re here to guide you step by step. From navigating the application process and compiling necessary documents to showcasing your financial profile in its best light. Our aim? To streamline your experience, saving you both time and energy, and to enhance your chances of securing a mortgage that fits your vision of a new life in Canada.
Ready to take the first step? Fill out our online application, and let’s embark on this exciting journey towards finding your new home in Canada!
Your Dream Second Home is Closer Than You Think Vacation or Second Home.
Dispelling Myths, Embracing Possibilities! There’s a widespread belief that buying a second home or vacation property requires a hefty down payment. But here’s the truth: your dream getaway is closer than you think, and it starts with just a 5% down payment. For properties available year-round, this minimal down payment opens the door to owning that cherished second home. If your eyes are set on a seasonal, 3-season property, a 10% down payment is your gateway.
We’re here to turn the dream of a second home into a reality, with a down payment that’s surprisingly within your reach.
Ready to Begin? Simply complete our online application. Let’s embark on this journey to make your second home a reality!
Enhance Your Home from Day One with Purchase Plus Improvements
Embrace the Art of Smart Homeownership! Purchase Plus Improvements is an ideal solution for those looking to infuse their new home with personal touches and upgrades, without the stress of large, upfront expenses. This innovative financing option cleverly integrates the cost of your desired renovations into your initial mortgage. The result? Lower interest rates and a streamlined, budget-friendly process.
Dreaming of a gourmet kitchen, a spa-like bathroom, or an expanded living area? This approach empowers you to bring these visions to life from day one. Not only does it allow you to craft your ideal living space immediately, but it also serves as an investment in your property’s future value and appeal.
Step into the home you’ve always wanted, enhanced and personalized from the outset.
Ready to Transform Your Space? Fill out our online application, and let’s take the first step towards turning your house into your dream home!
Richmond Mortgage Team 