Application Links below.
Our Services
With over 50 years of large-scale commercial business, development and municipal engineering experience, our staff have the knowledge and expertise to assist you with financing your project. We have successfully funded a variety of large-scale commercial properties from construction to finished projects, including trailer park and subdivision development. No project is too big or too small, we can fund them all!
In Canada, a first-time homebuyer is typically someone who hasn’t owned a home in the past four years, including both the buyer and their spouse or common-law partner if purchasing together. There are exceptions—such as if you’ve separated from your spouse and no longer co-own a home, you might still qualify. Special cases, like having a disability, may also allow for different rules. There are several government programs and tax rebates designed to help first-time buyers get into the housing market.
If you are a new home buyer, you are most likely unaware of all the options that are open to you. Your bank isn’t going to tell you because they can only sell you their
products! There is so much choice available that it can be overwhelming without the help of an experienced professional to guide you through the process. At “All Ontario Mortgage”, we are committed to taking the time to fully understand your situation and ensuring that you are put into the mortgage that best suits your needs.
Refinancing allows you to replace your existing mortgage with a brand-new one tailored to meet your current needs and goals. With refinancing, you have the freedom to choose either your current lender or explore new opportunities with a different one, ensuring you get the best deal possible. Whether you’re looking to tap into the additional equity of your property for major expenses or seek to extend your loan’s amortization period up to 30 years for more manageable payments, mortgage refinancing offers a flexible solution. All Ontario Mortgage staff will provide you with the opportunity to reshape your mortgage and enhance your financial landscape with a refinance plan that works for you!
The number one mistake that most people make is just signing the renewal papers from their current mortgage lender. The banks know this and therefore are not going to offer you their best rate. In most cases, it costs you nothing at all to switch a mortgage to another lender, yet it can cost you thousands if you don’t do your homework. If your mortgage renewal is fast approaching, then now is a great time to look at the many excellent options and competitive rates available. All Ontario Mortgage staff will do the work to find the best mortgage option available to suit your needs, thus helping you get the most out of your mortgage renewal.
Second mortgages can be obtained regardless of whether you have bad credit, good credit, or no credit. They can be obtained with a past bankruptcy, consumer proposal, tax arrears, etc. Qualifications are typically based on the amount of equity you have in your home (the difference between what you owe on the home and the home’s current market value), as well as the home’s location and overall condition. If you own at least 20% of the equity in your home, you will likely be approved for a second mortgage. All Ontario Mortgage staff have access to a variety of lenders and can help access your current financial situation, thus providing you options for second mortgage financing if required.
Why pay high interest rates on credit card debt? Get debt-free sooner and immediately increase monthly cash-flow by consolidating all your debts into one lower interest rate. All Ontario Mortgage staff will arrange a debt-consolidation mortgage by rolling all your debt into one easy to manage, low interest payment, potentially saving you thousands of dollars.
Turned down by your bank for some of the following reasons? Bad credit, past bankruptcy, property or income tax arrears, mortgage arrears or consumer proposals. A private mortgage might be your best short-term option to allow you the opportunity to keep your home or business. All Ontario Mortgage staff have access to private lenders that can help.
Construction financing is a short-term arrangement made to finance any real estate related projects. For the lending company, construction loans have more risk than regular loans, so the interest rates are generally much higher. All Ontario Mortgage staff have a variety of options to help the home or landowner get started. Your construction loan will cover all the related costs, allow you to get started and bring the project to completion so that a more permanent source of funding may be arranged.
Having a bad credit rating doesn't mean you can't get mortgage financing. Whether you've gone bankrupt, or your credit is only slightly bruised, you can still obtain financing. All Ontario Mortgage staff have access to non-traditional lenders that offer financing solutions to individuals with credit challenges that cannot be addressed by the major financial institutions.
As retirees and seniors approach a new stage in their lives, they can leverage the equity in their home to help finance their retirement and unlock their wealth. We can help you access up to 55% of the value of your home, tax-free, without ever having to make a payment for as long as you live in your home. If you are a homeowner, 55 or older, and in need of extra income but don’t want to sell the home you love, now is the time to consider a Reverse Mortgage.
As your own boss, you may declare your earnings differently than traditional employment, which can present challenges when applying for a mortgage. All Ontario Mortgage staff have access to multiple lenders and can help you find options suited to your self-employed status. We can also guide you through the paperwork and negotiate better terms.
Testimonials
In my late sixties and not able to secure a bank mortgage, I was in jeopardy of losing my home.
Desperate to keep my home, I reached out to Joe at “All Ontario Mortgage.” Joe managed to arrange a reverse mortgage and found additional secondary financing thus allowing me to keep my home. If you need help with a mortgage, I highly recommend true professionals such as Joe at “All Ontario Mortgage”.
David A., Wasaga Beach, ON
It’s well worth it to seek the advice and guidance of a mortgage broker when one has to renew or begin a mortgage. I was fortunate to find Shanta at All Ontario Mortgage; her determination to find me the best rate was bolstered by her attention to detail, kind guidance and professional manner, while I collected all required materials was quite comforting. At this challenging time when interest rates are high, she found me the best rate available. Even my real estate lawyer was surprised at the rate she landed on! Thank you, Shanta.
Alison P., Wasaga Beach
At 63 years old I ended up in more debt than I thought imaginable. When things were going great for me the credit card companies kept increasing my limits. When my life took a turn for the worse, I ended up taking a cash advance from one card to pay the minimum payments on my other cards. I met Martin at "All Ontario Mortgage", Martin was able to assist with my financial dilemma and now I can finally sleep at night. I do have a 2nd mortgage, but I have no debts at unreasonable interest rates anymore and I now have $1,500 a month to spend on enjoying my life!
Edward G., Wasaga Beach, ON