Application and Guarantee

• Apply Online
• The Mortgage Management Program™
• Low Cost Guarantee
• Mortgage Centre Approved Lenders

Why Use Our Team?

• Our team
• Our Team Vision
• Our Team Mission
• Strategies for Continued Excellence
• Our Team's Core Values
• A Team of Dedicated Professionals

Team Members

• Calum W. M. Ross, Mortgage Planner
• Ingrid Parra, Branch Officer
• Jason Friesen, Underwriter
• Cindy Hoang, Client Care
• The Mortgage Centre

News

• Latest Mortgage and Financial News
• Mortgage Market Updates - Archive
• Hot Product
• Links to Mortgage Resources
• Mortgage Rates Canada

The Mortgage Process

Players in the Mortgage Game

1. Introduction to the Key Players
2. Mortgage Advisor
3. Realtor™
4. The Lawyer
5. Mortgage Lender
6. Appraiser
7. Home Inspector
8. Builder's Representative

The Mortgage Process

1. Organize Your Documents
2. Submit Application for Pre-Approval
3. Consultation and Secure Pre-Approval
4. Confirm Details of Property to be Mortgaged
5. Full Lender Approval
6. Closing

Application Documents

• Standard Purchase - Employed
• Standard Purchase - Self-Employed
• Refinance/Renewal - Employed
• Refinance/Renewal - Self-Employed
• Switch - Employed
• Switch - Self Employed

Mortgage 101:
Guide for the Home Buyer

1. Mortgage Basics
2. Types of Mortgages
3. Mortgage Features
4. Mortgage-Free Faster: Accelerated Mortgage Payment
5. Refinancing
6. Switching / Renewing Your Mortgage
7. Credit Rating
8. Buying Your Home With Less Than 25% Down
9. RRSP Mortgage: Using Your RRSP to Buy a Home
10. Ontario Home Ownership Savings Plan (OHOSP)
11. Cash Back Mortgages in Canada
12. Closing Costs
13. Glossary of Mortgage Terms

Advanced Mortgages

• Home Buyer
• Renew / Switch
• Refinance
• Equity Take-Out

Clients and Partners

• Market Watch Request
• Realtor Partners
• Investment Advisors
• Login

Calculators

Mortgage Calculators

• Manual Calculator
• Maximum Mortgage Calculator Canada
• Payment Calculator
• Mortgage Isolator/Strategy Tool
• Mortgage Payment Calculator
• Mortgage Payment Qualifier
• Mortgage Loan Calculator Canada
• Mortgage Comparison Calculator Canada
• Mortgage Payoff Calculator Canada

Financial Planning Calculators

• RESP - Registered Education Savings Plan Calculator
• Consolidation Loan Investment Canada
• Refinance Interest Savings Canada
• Life Insurance Calculator Canada
• Net Worth Calculator
• RRSP - Registered Retirement Savings Plan Loan Calculator
• Retirement Planner Canada

Canadian Tax Calculators

• Ontario Land Transfer Tax
• Canadian Tax Calculator Federal and Provincial

Reference Mortgage Articles

• Excerpt from: Think Like A Billionaire - Mortgage Chapter
• The Basics of Mortgage Lending
• Do you know how your mortgage provider gets paid?
• How to Compare Adjustable Rate Mortgages
• The Basis of the Mortgage Market
• Credit and Debt Management
• The Importance of Your Credit Rating
• Investing versus mortgage/debt reduction: Is paying off your mortgage bad for your net worth?
• Calum's Home Buyers' Guide
• Mortgage Renewals - Worth Shopping For
• How To Make Your Mortgage Interest Tax Deductible
• Using an RRSP for a Down Payment
• Mortgage Life Insurance - Do your clients need it?
• How to be mortgage free within ten years
• Why Pre-approving is the best Choice for Home Shoppers
• Choosing the Mortgage Term that's Right for You
• Finding the right home
• Five Errors in Selling
• How to Buy Your First Home the Easy Way!
• The Big Home Remodeling Mistakes... and how to avoid them
• How You Control The Sale Of Your Home
• Tips To Make Your Home Sell Quickly
• Closing: How Does it Work?
• Toronto's Mortgage Experts
• Manual Mortgage Calculator
• Financing and Hidden Tricks
• Mortgage "caps" and how long do they last
• What the Heck is Title Insurance?
• Why Refinancing May Make Sense Right Now
• Pay Back Your Mortgage Quicker and Save Thousands in Interest
• Breaking a Mortgage - Be an Informed Mortgage Manager
• Consider Cash Back Offers Cafefully
• Valuable Sources of Mortgage Information
• Home Owners' Line of Credit
• How a second mortgage can save you money
• How to Save Yourself Money Shopping in Today's Mortgage Market
• Low and No Downpayment
• Mortgage Brokers - They Might Get You the Best Deal!
• Mortgage Incentive Gimmicks
• Canadians Save Billions on Mortgage Payments
• Men in the Middle Misunderstood
• Mortgage brokers can make good financial sense