Featured rates
6.70%
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
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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.
3 Year Fixed term from 4.84%
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.
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.
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.
We help people finance their future
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
Purchases and Refinances,
No fee transfer ( new lender covers legal and appraisal fee or some lender rebate $1200 )
Purchase + Improvement
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.
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.
Some lenders allow using gross T4A income instead of net 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
5 Star Google review
Ella was so helpful throughout the entire process from rates to funding. Did I mention it's the best rates in town?
If you need a mortgage, you need to talk to Ella.
We initially found Ella online and were hesitant as I always preferred to work with referrals. But extremely glad we got out of our comfort zone and contacted Ella, she exceeded beyond excellence in providing professional and reliable service. She helped us with our mortgage when we didn't even think it would've been possible. Provided professional advice for our best interest, and ALWAYS extremely responsive. Will definitely recommend to all our family and friends.
Ella is an incredible person to work with. She always responds promptly to messages and is both professional and kind. I 100% recommend her!
Mortgage Broker
Founder of Mortgge Ella Inc.
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