MORTGAGE INFORMATION
MORTGAGE INFORMATION
Mortgage Information

Whether you are a first-time home buyer, a homeowner, new to Canada, a retiree, or an investor; finding the right mortgage solution to fit your needs is not just finding the lowest rate but selecting the right product and the right mortgage for your needs. Our mortgage professionals at Canadian Capital Mortgages Inc. are there to help you to find the most suitable mortgage for you.

Purchase

We can help you with the biggest Purchase of your life...

Purchase

First and foremost, in today’s real estate market, most sellers and real estates agents expect buyers to have a pre-approval and it is a necessary step in your home purchase process. The pre-approval process will provide a specific dollar amount you can afford. It is quick and Easy with the necessary income verification and supporting documentation you can get your pre-approval within 24 hours.

First Time Home Buyers

Buying your first home can be both exciting and stressful at the same time. Our CCMI agents will help you to select the right product and the right mortgage for YOU. When you’re buying your first home you may have access to a number of tax breaks including the First-Time Home Buyers' Tax Credit which is claimed on your annual tax return. In most provinces, first-time home buyers can also claim a land transfer tax rebate. First-time home buyers can also take advantage of tax-sheltered savings using the Home Buyer’s Plan, which allows you to withdraw money tax-free from your RRSP to buy a home.

Your Next Home

Our agents at Canadian Capital Mortgages have the knowledge to help you with your next purchase and to make the right decision, including financing options.

Mortgage Renewal

When your mortgage term is up and it’s time to renew, lenders make it all too easy for you to pay a higher interest rate than you need to. Before you sign the first mortgage renewal offer that’s sent to you in the mail it's important to investigate your options and make sure you are getting the best possible deal, options and products available for you.

Mortgage renewal is also an important time to decide if you should roll your high-interest credit cards and other debt into your mortgage to get one lower payment, boost your cash flow, and save on interest costs. Or perhaps it's a good time to take some equity out for renovations, a second property or for investing.

This is a good reason to contact one of mortgage consultants to discuss all the options available to you.

Refinance / Equity Takeout

Whether you want to consolidate debt or need funds to renovate your home, we make it easy to use the equity in your home to help achieve these goals.

If you need access to additional funds, using the equity in your home can be a lower cost way to borrow the money than taking out a traditional loan. For example, you can use your home equity for renovations, buying an additional property or invest in stock. Another common reason for refinancing a mortgage is to consolidate debt. By consolidating theses debts into your mortgage at a lower interest rate, you can save money and have all your debt into your mortgage..

New To Canada

Qualified home buyers who have immigrated or relocated to Canada within the last 5 years are eligible under New to Canada program to purchase a property with as little as a 5% down payment.

The most important considerations for new Canadians are credit history and down payment. If you are a new Canadian, we can help with the mortgage process for you. Our mortgage consultants will help assist you with the process.

Self Employed

If you are self employed, you may already have experienced the frustration of obtaining mortgage financing.

As you may know before the world economic crisis, a self-employed person could get a mortgage pretty easily if they had a credit score over 680. Today, things are a little more complicated for the entrepreneur as lending rules have tightened and banks are not keen on financing non-traditional borrowers.

If you are self-employed, our mortgage consultants can help you with this. We have access to a broad range of products for our self-employed clients.

Investing In Property

Canadians are looking for alternative places to park their money. And while buying an investment property might seem like a good way to diversify, you should do your homework before jumping into the housing market.

There are many reasons to consider investing in property. If you are thinking about building wealth with an investment property, talk to us. We can help you determine your down payment options and run the financial calculations that you'll want to see for cash flow and capital appreciation.

Purchase Plus Improvement

The purchase plus improvement product is for consumers looking to purchase a home that has great potential but needs a little TLC.

With the purchase plus improvement program you can make those needed improvements on your home immediately after taking possession and you can have these improvement costs rolled into your home loan for one easy payment. All of these projects can increase functionality, beauty and potentially add value to your dream home.

Purchase

First and foremost, in today’s real estate market, most sellers and real estates agents expect buyers to have a pre-approval and it is a necessary step in your home purchase process. The pre-approval process will provide a specific dollar amount you can afford. It is quick and Easy with the necessary income verification and supporting documentation you can get your pre-approval within 24 hours.

First Time Home Buyers

Buying your first home can be both exciting and stressful at the same time. Our CCMI agents will help you to select the right product and the right mortgage for YOU. When you’re buying your first home you may have access to a number of tax breaks including the First-Time Home Buyers' Tax Credit which is claimed on your annual tax return. In most provinces, first-time home buyers can also claim a land transfer tax rebate. First-time home buyers can also take advantage of tax-sheltered savings using the Home Buyer’s Plan, which allows you to withdraw money tax-free from your RRSP to buy a home.

Your Next Home

Our agents at Canadian Capital Mortgages have the knowledge to help you with your next purchase and to make the right decision, including financing options.

Mortgage Renewal

When your mortgage term is up and it’s time to renew, lenders make it all too easy for you to pay a higher interest rate than you need to. Before you sign the first mortgage renewal offer that’s sent to you in the mail it's important to investigate your options and make sure you are getting the best possible deal, options and products available for you.

Mortgage renewal is also an important time to decide if you should roll your high-interest credit cards and other debt into your mortgage to get one lower payment, boost your cash flow, and save on interest costs. Or perhaps it's a good time to take some equity out for renovations, a second property or for investing.

This is a good reason to contact one of mortgage consultants to discuss all the options available to you.

Refinance / Equity Takeout

Whether you want to consolidate debt or need funds to renovate your home, we make it easy to use the equity in your home to help achieve these goals.

If you need access to additional funds, using the equity in your home can be a lower cost way to borrow the money than taking out a traditional loan. For example, you can use your home equity for renovations, buying an additional property or invest in stock. Another common reason for refinancing a mortgage is to consolidate debt. By consolidating theses debts into your mortgage at a lower interest rate, you can save money and have all your debt into your mortgage..

New To Canada

Qualified home buyers who have immigrated or relocated to Canada within the last 5 years are eligible under New to Canada program to purchase a property with as little as a 5% down payment.

The most important considerations for new Canadians are credit history and down payment. If you are a new Canadian, we can help with the mortgage process for you. Our mortgage consultants will help assist you with the process.

Self Employed

If you are self employed, you may already have experienced the frustration of obtaining mortgage financing.

As you may know before the world economic crisis, a self-employed person could get a mortgage pretty easily if they had a credit score over 680. Today, things are a little more complicated for the entrepreneur as lending rules have tightened and banks are not keen on financing non-traditional borrowers.

If you are self-employed, our mortgage consultants can help you with this. We have access to a broad range of products for our self-employed clients.

Investing In Property

Canadians are looking for alternative places to park their money. And while buying an investment property might seem like a good way to diversify, you should do your homework before jumping into the housing market.

There are many reasons to consider investing in property. If you are thinking about building wealth with an investment property, talk to us. We can help you determine your down payment options and run the financial calculations that you'll want to see for cash flow and capital appreciation.

Purchase Plus Improvement

The purchase plus improvement product is for consumers looking to purchase a home that has great potential but needs a little TLC.

With the purchase plus improvement program you can make those needed improvements on your home immediately after taking possession and you can have these improvement costs rolled into your home loan for one easy payment. All of these projects can increase functionality, beauty and potentially add value to your dream home.

Reverse Mortgage

If you are a Canadian homeowner age 55 or over looking to unlock the value in your home. A reverse mortgage may be the solution.

A Reverse Mortgage is a loan secured by your home with a big difference and you do not have to make any payments interest or principal for as long as you or your spouse live there. All you have to do is keep your property in good maintenance, pay your property taxes and property insurance.

Commercial Mortgage

At Canadian Capital Mortgages Inc. we offer a full service commercial service. We can arrange commercial real estate mortgage loans you want for a broad range of commercial buildings and rental properties.

Commercial Mortgage is subject to a strict set of criteria much different then residential mortgages. Each lender has their own pricing matrix and appetite for specific products and industries. So, it is important to seek advice with our Commercial Specialist to ensure that your requirements are satisfied.

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