Team Speakman

Mortgage Programs

Mortgage Pre Approval

Mortgage Pre-Approvals

Find out how much you can afford before you go househunting!

This will keep you focused on shopping for homes within your price range. If you qualify for a preapproved mortgage, you’ll be certain of the size of mortgage for which you qualify and guaranteed a rate for a specific period of time. If you don’t qualify for a pre-approved mortgage, I will be able to help you estimate a mortgage-qualifying amount.

Mortgages for Investment Properties

Investment properties are now accessible to many average Canadians.

Investment properties – particularly smaller, residential real estate – are now accessible to many average Canadians. And as any homeowner will confirm, real estate has been one of the most attractive investment categories in Canada for the past decade. If you’re considering an investment in real estate, start by having a conversation with an experienced Mortgage Broker, to explore some of the innovative new options and great rates available today.

Mortgages for Investment Properties
Mortgages for Investment Properties

Mortgages for Investment Properties

Investment properties are now accessible to many average Canadians.

Investment properties – particularly smaller, residential real estate – are now accessible to many average Canadians. And as any homeowner will confirm, real estate has been one of the most attractive investment categories in Canada for the past decade. If you’re considering an investment in real estate, start by having a conversation with an experienced Mortgage Broker, to explore some of the innovative new options and great rates available today.

High Net Worth Borrowers

High Net Worth Borrowers

Your first move should be to look into your mortgage options!

Do you want to create the perfect house that fits your lifestyle? Or does your family need more room to grow? Call today for a free analysis of what you can afford. Your dream home may be more affordable than you think!

When you are ready to sell your home and buy a new one, your first move should be to look into your mortgage options. If you will need a bigger mortgage, your options will include bringing your mortgage with you if it is portable. You can often “blend” your current mortgage rate with the mortgage rate on the additional funds you need.

With interest rates today still hovering at historic lows, you might want to consider breaking your current mortgage and getting a new one for the total amount you need. To break your mortgage, your lender typically has the right to charge a penalty based on the greater of three months’ interest or the interest rate differential (IRD), which is essentially the difference between your old rate and current rates for your remaining term.

Mortgages Renewals

Congratulations on your maturing mortgage…now let me help you get a better rate!

If your mortgage renewal is fast approaching then you’ll soon be at an important financial milestone. Now’s a great time to look at the many innovative options and competitive rates available. Lenders send out renewal forms just prior to renewal dates to those with good payment histories, with about 70% of homeowners sending it back without asking any questions! In today’s hectic world, that can be the easiest and best route, but you should ask yourself some questions before you sign on the dotted line. This is an important moment of opportunity.

Having multiple lenders compete for your business is a great way to ensure you get the best rate for your situation. I deal with multiple lending institutions, including major banks, credit unions, trusts and other national and regional lenders, which means I can put significant negotiating power behind finding the best mortgage to fit your specific situation.

Mortgage Renewals
Mortgage Renewals

Mortgages Renewals

Congratulations on your maturing mortgage…now let me help you get a better rate!

If your mortgage renewal is fast approaching then you’ll soon be at an important financial milestone. Now’s a great time to look at the many innovative options and competitive rates available. Lenders send out renewal forms just prior to renewal dates to those with good payment histories, with about 70% of homeowners sending it back without asking any questions! In today’s hectic world, that can be the easiest and best route, but you should ask yourself some questions before you sign on the dotted line. This is an important moment of opportunity.

Having multiple lenders compete for your business is a great way to ensure you get the best rate for your situation. I deal with multiple lending institutions, including major banks, credit unions, trusts and other national and regional lenders, which means I can put significant negotiating power behind finding the best mortgage to fit your specific situation.

Vacation or Second Home Mortgage

Vacation & Second Home Mortgages

Spend quality time in your vacation property.

More Canadians than ever before are now spending quality time in their own vacation property. Cottages are now providing family memories for many average Canadians, who are taking advantage of the great low rates, and the innovative new mortgage products that put these getaway homes within reach!
I am here to help you beat the banks …

Executive Smith Maneuver / Investment Mortgages

Convert your mortgage into tax-deductible investment loan.

Many financial planners, and savvy investors take advantage of home equity to earn investment interest and save on income tax. The Smith Maneuver is a legal tax strategy that effectively, makes interest on a residential mortgage tax-deductible in Canada. The Smith Maneuver involves converting your mortgage into tax-deductible investment loan. Investment income is taxed at a lower rate than employment income, making this especially appealing to highly paid employees. Working in cooperation with your accountant and financial planner, I can help you use the equity in your home to build wealth.

Mortgages for Investment Properties
Mortgages for Investment Properties

Executive Smith Maneuver / Investment Mortgages

Convert your mortgage into tax-deductible investment loan.

Many financial planners, and savvy investors take advantage of home equity to earn investment interest and save on income tax. The Smith Maneuver is a legal tax strategy that effectively, makes interest on a residential mortgage tax-deductible in Canada. The Smith Maneuver involves converting your mortgage into tax-deductible investment loan. Investment income is taxed at a lower rate than employment income, making this especially appealing to highly paid employees. Working in cooperation with your accountant and financial planner, I can help you use the equity in your home to build wealth.

Home Renovation

Home Renovations

Sometimes the house of your dreams is the one you’re already living in.

Maybe it just needs some new landscaping, an extra wing for your growing family, an expanded kitchen, or a swimming pool in the backyard. A record number of Canadians have taken advantage of the historic low mortgage rates and rising real estate values and have tapped into their home equity through equity take-outs. There’s never been a better time to access the extra funds that can help bring your home to that next level of comfort. Consider accessing the cash you need for the renovations and improvements you’ve been dreaming about.

First Time Home Buyers

Mortgages for the Self Employed

Small and medium-sized businesses are the engine of the Canadian economy.

When it comes to mortgages, it hasn’t always paid to be self-employed – because reducing your taxable income can make it difficult to qualify for the mortgage you deserve. I understand business owners because I am a business owner as well!

What’s better, I have a long list of institutional and private lenders that offer excellent mortgage options for self-employed Canadians. These lenders in Canada understand that self-employed individuals have tax write-offs creating significant reductions in their declared income. With these mortgage lenders, you will not be required to prove your income and a reasonable estimate of your annual income will be acceptable.

Mortgages for the Self Employed

Small and medium-sized businesses are the engine of the Canadian economy.

When it comes to mortgages, it hasn’t always paid to be self-employed – because reducing your taxable income can make it difficult to qualify for the mortgage you deserve. I understand business owners because I am a business owner as well!

What’s better, I have a long list of institutional and private lenders that offer excellent mortgage options for self-employed Canadians. These lenders in Canada understand that self-employed individuals have tax write-offs creating significant reductions in their declared income. With these mortgage lenders, you will not be required to prove your income and a reasonable estimate of your annual income will be acceptable.

First Time Home Buyers
Consolidate Debt

Consolidate Your Debt and Save

Use your home equity to reduce your credit card debt.

Many Canadians are taking advantage of refinancing some of the equity in their mortgage to reduce their credit card debt. Why pay high interest rates on your bank’s credit card debt when you can add that debt to your mortgage and pay a much lower interest rate! One important part of a strategy is knowing “good debt” from “bad debt”. A well-planned mortgage can help you turn those bad debts into good debts and get them out of the way.

1. Consolidate high interest rate credit cards to one lower rate.
2. Save money and increase cash flow.
3. Reduce stress knowing that your financial situation is now manageable.

Mortgages for Home Purchases

Your first move should be to look into your mortgage options!

Do you want to create the perfect house that fits your lifestyle? Or does your family need more room to grow? Call today for a free analysis of what you can afford. Your dream home may be more affordable than you think!

When you are ready to sell your home and buy a new one, your first move should be to look into your mortgage options. If you will need a bigger mortgage, your options will include bringing your mortgage with you if it is portable. You can often “blend” your current mortgage rate with the mortgage rate on the additional funds you need.

With interest rates today still hovering at historic lows, you might want to consider breaking your current mortgage and getting a new one for the total amount you need. To break your mortgage, your lender typically has the right to charge a penalty based on the greater of three months’ interest or the interest rate differential (IRD), which is essentially the difference between your old rate and current rates for your remaining term.

Mortgages for Home Purchases
Mortgages for Home Purchases

Mortgages for Home Purchases

Your first move should be to look into your mortgage options!

Do you want to create the perfect house that fits your lifestyle? Or does your family need more room to grow? Call today for a free analysis of what you can afford. Your dream home may be more affordable than you think!

When you are ready to sell your home and buy a new one, your first move should be to look into your mortgage options. If you will need a bigger mortgage, your options will include bringing your mortgage with you if it is portable. You can often “blend” your current mortgage rate with the mortgage rate on the additional funds you need.

With interest rates today still hovering at historic lows, you might want to consider breaking your current mortgage and getting a new one for the total amount you need. To break your mortgage, your lender typically has the right to charge a penalty based on the greater of three months’ interest or the interest rate differential (IRD), which is essentially the difference between your old rate and current rates for your remaining term.

First Time Home Buyer

First Time Home Buyer Mortgages

Looking for your first home?

Buying a home is an exciting time! You’re about to take a big step so you’ll definitely need some advice from a mortgage professional. I will give you the facts your bank won’t tell you about financing your next purchase. With access to multiple lenders, I will help you find the best rates and best mortgage options to help you buy your dream home. My best advice? Begin a conversation with a mortgage professional in your area.

Need a pre-approval before you go househunting?

Find out how much you can afford before you go househunting! This will keep you focused on shopping for homes within your price range. If you qualify for a preapproved mortgage, you’ll be certain of the size of mortgage for which you qualify and guaranteed a rate for a specific period of time. If you don’t qualify for a pre-approved mortgage, I will be able to help you estimate a mortgage-qualifying amount.

First Time Home Buyer

First Time Home Buyer Mortgages

Looking for your first home?

Buying a home is an exciting time! You’re about to take a big step so you’ll definitely need some advice from a mortgage professional. I will give you the facts your bank won’t tell you about financing your next purchase. With access to multiple lenders, I will help you find the best rates and best mortgage options to help you buy your dream home. My best advice? Begin a conversation with a mortgage professional in your area.

Need a pre-approval before you go househunting?

Find out how much you can afford before you go househunting! This will keep you focused on shopping for homes within your price range. If you qualify for a preapproved mortgage, you’ll be certain of the size of mortgage for which you qualify and guaranteed a rate for a specific period of time. If you don’t qualify for a pre-approved mortgage, I will be able to help you estimate a mortgage-qualifying amount.