Let's face it - Toronto is an expensive city. As the largest business centre and capital market in Canada, Toronto mortgages are generally the country's largest; secured by some of the most expensive real estate in Canada. Due to increasingly sophisticated needs, mortgages in Toronto regularly require detailed financial planning and additional review with the other professionals that make up a client's financial advisory team.

In the Toronto mortgage market our reputation for providing world-class customer service, superior advice, and ongoing mortgage management has allowed us to become a preferred mortgage provider for many individuals that work at Toronto's most respected companies as well as those who live in many of Toronto's most desired neighborhoods. Specifically, we aim to serve those individuals who value the advice of educated professionals and who have a desire to receive wealth building proactive long-term mortgage advice from a team that has a proven track record and demonstrated results in the mortgage industry. Our team's training and dedication to the improvement of the mortgage process functions on the basis that our clients want to grow their (after tax) net worth and don't want to unnecessarily transfer their wealth to their bank or Canada Customs and Revenue Agency as a result of unrealized mortgage market opportunities or bad advice. Those who value a holistic perspective on the way their mortgage decisions impact their personal financial affairs can count on us for professional advice that focuses on both the short and long term financial goals.

Whether you are buying your starter home, restructuring your real estate investment portfolio, or renovating a Bridal Path estate - we are confident that you will appreciate the dedication and commitment we have to our clients. If people would describe you as an individual who takes your financial goals seriously then we would like to discuss the benefit of having our team assist you with your mortgage needs both now and in the years to come.

This exciting product combined with a mortgage may be the very last loan many people ever need! Whatever financing requirements or expenses you have this product can give you maximum access to your home equity and bring down the cost of your borrowing when compared to other options.

This mortgage actually functions like two loans:

1) You have a fixed term portion that gives those who require it peace of mind. This is a fixed term product that is very aggressively discounted and remains unchanged for the term of the mortgage you select. You can select a short or long-term fixed rate depending on your objectives and needs.

2) The flexibility of a variable rate line of credit is also available for your short term borrowing needs. It provides instant funds at a lower rate than other revolving lines of credit and keeps the repayment terms to a minimum. This is ideal for those clients who are serious investors, have occasional significant capital needs, or those clients who simply have a variable income and/or expenses that fluctuate unexpectedly along the way.

This product provides the ultimate in flexibility for borrowing requirements. The mortgage can be up to 75% of your homes value and the line of credit component can be drawn on or paid off entirely at any time. To make it more attractive the line of credit available actually gets bigger as the mortgage is repaid. With each dollar that you pay off of the fixed mortgage portion, your line of credit available goes up by the same amount.

For those who are good at managing debt and value access to large amounts of funds this product is a good fit. To discuss this product in detail and see how it may pertain to you - please call us directly and we would be glad to assist.