RESIDENTIAL MORTGAGES

First Time Home Buyers
Lenders and Insurers have developed progressive ways to allow for many Canadians to purchase their first home, which would otherwise not have been possible under traditional programs.

~ IMPORTANT NOTE: Don’t forget to ask us about how you may qualify for FREE land transfer tax as a First-Time Home Buyer.

Repeat Buyers
Repeat Buyers should take the time to ensure that they are getting the best possible deal, even though they have a mortgage with an existing lender.

Pre-Approval
The Pre-Approval process is a great way for purchasers to begin searching for the home that best suits their finances. With our pre-approvals, we provide a four month rate hold.

Refinances
Some homeowners may re-finance their homes to do home improvements or renovations. Others look to the increased equity in their homes to improve their cash flow by consolidating their outstanding debts.

Renewals/Transfers(Switches)
At Forsyth Financial, we have the ability to hold the best and lowest rates for 120 days prior to closing for those who wish to secure the best rate well in advance, particularly if rates are on the rise.

High Ratio Mortgage Premiums
Thanks to healthy competition, these important fees are trending downwards, making it easier than ever before to finance your home.

~ IMPORTANT NOTE: Don’t forget to ask how we can save you money if you are topping up your mortgage on a re-finance.

Self Employed
It is truly amazing the breadth of quality mortgage products available today for self employed folks. No need to skulk into the bank anymore.

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