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Featured rates

Mortgage Prime Rate

7.20%

Home Equity Line of credit

P+0.5% (P+0.2% or P+0% with exception for owner-occupied home only)

Rate subject to change without notice, terms and conditions apply

Your Heading

1-YEAR Fix 6.83%
2-Year Fix 5.74%
3-Year Fix 5.14%
4-Year Fix 5.04%
5-Year Fix 4.89%

Your Heading

5-Year Variable 6.15%

Get Mortgage Advice and save $

As a mortgage broker, we provide unbiased, unfiltered, straight-up mortgage advice, whether it's a new purchase or renewal, we are more than happy to help you out.

We Take your financial Goal serious
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5 Year Fixed term from 4.89%


It's our job to get your lowest possible rate. Your rate qualification depends on certain factors, such as income, credit score and home equity, as per Canadian regulations. Get your details fast — there's no cost and no obligation.

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WHY US

We treat every file as our own, always have clients' best interest in our heart. We guarantee a 2-hour turnaround in working hours. 30 minutes send file to client for signature after approval

Call us and let us know what is important for you, and how we can make your world turn.  

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5 More Rentals?


Real Estate Investing is all about the time in the market, not timing the market. This is what builds wealth! 

You can buy your first rental without owning your owner-occupied home.

We help investors get the snowball rolling, and build their real estate investment portfolio and setup a unique strategy, help clients acquire more doors along the way.

Put our client first made us First

We help people finance their future                                                              

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Commercial

Industrial, Multifamily / Apartments (5 units +)

Office, Retail Strip Plazas, Mixed use, Storefronts, Gas station, Hotel / Motel, Storage, Churches, Retirement Homes, Commercial Condominium, Bars/Restaurant, Raw vacant land

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Residential

Purchases and Refinances, 

No fee transfer ( new lender covers legal and appraisal fee or some lender rebate $1200 ) 

Purchase + Improvement

CREDIT REPAIR
Credit Repair

We work with you throughout the term of the mortgage or line of credit to improve your credit score. 

We help our clients spot and repair errors to help boost credit scores all through the power of home equity. 

The key to your credit health is knowing how your own credit is scored, reported and managed. 

Many Canadians are unaware of how their own credit score or number ended up on their report.

 

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Self-Employed

You are tax efficient, but still, you want to buy more rentals or refinance your existing home so you can put some equity to grow your business. 

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Commissioned 
/ Seasonal Income

Some lenders allow using gross T4A income instead of net income.  

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Overseas income

Some lenders allow overseas income as long as you have a tie here in Canada.  the borrower may work overseas to support her spouse or kids in buying a second home here in Canada.  

THE PROCESSes

Strategy Call

Initial phone consultation to understand the financial goal for your family, 5 -10 years plan for the property and understand the future life plan or changes on financial picture. ( upsizing, downsizing, extra fund for university tuition, renovation etc. )

Mortgage Application

Online application

 Upload documents to secure portal, we need all accurate document upfront to start the process, this will give you the solution to move forward to next step - put an offer on purchases or refinance.   

Consultation for formal mortgage approval

Once we received all documents, we  will review and confirming property details, run number in system, confirming the maximum loan amount for purchases. Rate hold is good for 60, 90, 120 days depending on lender or promotion. 

Get Lender approval to Funding complete

Geting mortgage commitment signed back.

 Complete HR verbal employment verification, instruct lawyer, file funding complete. 

Blog

 

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5 Star Google review

Ella
Xingxia(Ella) Hao
Mortgage Broker
Founder of Mortgge Ella Inc. 
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