Many people ask if there are any special programs or grants available to first time home buyers. There used to be many years ago a program that helped provide down payment assistance, but that program ended many years ago. There are however a few other Government programs to assist homeowners, just none specific to first-time buyers. We have the information on these programs and we also have an understanding of how they work. If you are interested in some of the Government grants or loans available, contact this Toronto area mortgage broker through their site mortgages.ca and let us show you.

Mortgage Renewal

If you have a home with a mortgage there will come a time that you will need to renew your mortgage. Depending upon the term of financing you originally signed up for, this could be after 1,3, or 5 years, sometimes even longer. As you mortgage reaches the end of your original term, most homeowners are confused about what to do and what their options are. As a result, Big Banks capitalize on this opportunity and tend to take advantage of the poor consumer. They do this by offering to renew your mortgage at a rate which is not the lowest available. Try using the Sherwood Mortgage Group to get you a lower rate on renewal.

You have Options!

Let’s suppose the best current 5 years fixed rate that I have access to as a Licensed Mortgage Broker is 2.59% interest. (which it is the day I’m writing this). When your renewal documents arrive from your bank, they might be offering you a new 5-year term at 3.99% (which is not terrible, but certainly not the best). The bank knows that 75% of the people will sign those documents and send them back in. They know that most people are scared, lazy, or complacent to go shop around and see if the rate is decent. Why is that? Are consumers scared they may not qualify, scared that it might be too much paperwork, or just too busy to want to save THOUSANDS OF DOLLARS? Working with a great Mortgage Broker Calgary like Josh will help you through the complexities.

Yes, it is true. Through the wonder of the internet, you are now able to apply for a mortgage for your real estate from the comfort of your home or office. The following form links to a secure online mortgage application. The information collected is sent safely and securely directly to the inbox of one of our trained, experienced, and licensed Calgary Mortgage Brokers.

Credit Report

The first step upon receiving your application is for us to check it for completeness. More than half of the applications we receive are missing important pieces of data (social insurance number, date of birth, marital status, employer name, etc). Without a complete application, we are unable to obtain the best financing available in the quickest amount of time. Please take care and fill in the application as completely as possible.

You will get Professional Advice

A broker is well conversant with the laws and regulations governing the real estate market. Besides being experienced, they are experts in dealing with several lenders. Because of their vast knowledge in the industry, they can help you comprehend the fine print on your loan. Then, they’ll work with lenders to let you select and have the mortgage of your preference.

They Provide a Hassle-Free Process

The mortgage process is normally tiresome and time-consuming. Having all work done by a mortgage broker means that you’ll get enough time to work on your other stuff. Dealing with lenders directly can be very stressful since they’ll have to go through all the necessary paperwork before they decide whether to give you a loan or not. You don’t have to worry about being turned down by a lender because brokers are always connected to various lenders.


Mortgage brokers are free and you can take advantage of their services if you want to buy a home in this area. Mortgage For Less provides the best brokers in the area and you can start with them whenever you want to purchase a home.