Purchase
Residential Mortgages It’s important to talk with a mortgage expert to understand how much mortgage financing you can afford and to discuss your options via traditional and innovative mortgage products. Buying a home is a huge commitment and seeking expert advice before doing so is an important step. We have access to mortgage rates and features that can help achieve your home-buying dreams. Clinton Wilkins Mortgage Team our brokers are independently trained professionals licensed to represent you and provide you with the best advice for your mortgage financing needs.
Read MoreMortgage Renewal
Is your mortgage coming up for renewal? Renewing your mortgage is essentially negotiating your rate all over again. Do you have the information you need to ensure you secure the best rate? Will it meet your family’s financial needs? As mortgage experts, we have answers to all your mortgage questions and access to a wide variety of lenders and mortgage products. So before signing your mortgage renewal when it arrives in the mail, contact a mortgage advisor to make certain you’re getting the best available interest rate and the mortgage that’s right for you.
Read MoreMortgage Refinance
There’s good debt and there’s bad debt. Mortgages qualify as good debt. Not only do they make home ownership possible, they are usually available at the lowest-possible interest rates and represent a solid investment as property values increase year over year. Bad debt, however, can saddle you with high interest rates often tied to items that lose value over time. High credit card debt, with its characteristically high interest rates, is one of the worst kinds of debt a person can assume and affects the majority of Canadians at some point in their lives. Fortunately good debt can be...
Read MorePrivate Mortgage Lending
We get this question a lot. Private lending is a secured mortgage against real estate that is funded from non-traditional sources. A private company or an individual. Private lending can be used for a purchase or a refinance. Typically it’s for higher risk transactions. This is used as a band aid to help get the mortgage back into a traditional lender. Who is the idea client? A mortgage amount up to 65-70% of the value of the property. Someone looking to payout tax debt, stop foreclosure, or re-establish poor credit. Many of our private lending clients are self-employed. If...
Read MoreSelf Employed Mortgage Options
When it comes to securing a mortgage, self-employment can sometimes be an obstacle. Reducing your taxable income can make it difficult to qualify for the mortgage you can afford and deserve. At the Clinton Wilkins Mortgage Team, we have access to a wide-range of innovative mortgage options for self-employed Canadians. There is regular full document mortgages that would be the same as a person on salary. Also, we offer stated income options for those clients who have strong credit but down declare enough income to qualify. Self-employed clients must prove they do not owe income taxes and the...
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