Our Mortgage Services

Expert Mortgage Solutions Tailored to Your Needs

Finding the right mortgage can be overwhelming, but with Manny Sharma’s 18+ years of experience, we make the process simple, stress-free, and rewarding.

Tailored Mortgage Solutions for Every Need

Explore our services and let’s find the right solution for your needs.

From first-time buyers to seasoned investors, we provide expert mortgage solutions designed to fit your unique financial goals.

Home Purchase

Buying a home is an exciting milestone. We help you secure the best rates and terms with expert guidance every step of the way.

Private 1st or 2nd Mortgage

Whether you need a first or second mortgage, private lenders offer customized solutions for unique financial situations.

Equity Takeout

Tap into your home’s equity to fund renovations, investments, or personal expenses with a hassle-free equity takeout plan.

Home Equity Line of Credit

A HELOC provides a revolving credit line, allowing you to borrow as needed while only paying interest on what you use.

Commercial Mortgage

From office spaces to retail stores, we provide tailored commercial mortgage solutions to help businesses grow.

Construction Loans

Secure financing for your construction project, ensuring you have the funds at each stage of development.

Truck & Trailer Loans

Get competitive loan options for trucks and trailers, designed for owner-operators and transport businesses.

Self-Employed Mortgage Program

Traditional lenders may not understand self-employment income. We offer customized mortgage options for entrepreneurs and freelancers.

First Time Buyer Program

We guide first-time buyers through special mortgage programs, ensuring an affordable and smooth home-buying experience.

Ready to apply?

Frequently Asked Questions

Got questions about mortgages? We’ve got answers!

Below are some of the most common questions our clients ask. If you don’t see what you’re looking for, feel free to contact us for personalized advice.

What’s the first step in getting a mortgage?

The first step is getting pre-approved. This helps determine how much you can borrow and gives you a clear budget when house hunting. We assess your income, credit score, and financial history to find the best mortgage options for you.

How much down payment do I need to buy a home?

In Canada, the minimum down payment depends on the home’s price:

5% for homes up to $500,000
10% for the portion above $500,000 and below $1,000,000
20% for homes over $1,000,000

A higher down payment can reduce your monthly mortgage payments and eliminate CMHC mortgage insurance costs.

What’s the difference between a fixed and variable mortgage rate?

Fixed-Rate Mortgage: Your interest rate stays the same for the entire term, providing stability and predictable payments.
Variable-Rate Mortgage: The rate fluctuates based on the market, which can lead to lower payments when rates drop but higher payments if rates rise.

Choosing between the two depends on your risk tolerance and financial goals.

Can I get a mortgage if I’m self-employed?

Yes! While traditional lenders require proof of stable income, we work with lenders who offer flexible mortgage solutions for self-employed individuals, including stated income programs and alternative documentation options.

What is a Home Equity Line of Credit (HELOC)?

A HELOC allows you to borrow against the equity in your home, offering a flexible credit line that you can access anytime. It’s great for home renovations, debt consolidation, or unexpected expenses, and you only pay interest on what you use.

When should I consider refinancing my mortgage?

Refinancing can be a smart move when:
✔ Interest rates have dropped, allowing you to get a lower rate
✔ You need to consolidate debt at a lower interest rate
✔ You want to access home equity for investments or renovations
✔ Your financial situation has changed, and you need a different mortgage structure

We’ll help you determine if refinancing is right for you!

Can I get a mortgage with bad credit?

Yes! Even with low credit scores, you have options, including private lenders and alternative mortgage programs. We specialize in helping clients rebuild credit and secure financing tailored to their situation.

How long does the mortgage approval process take?

The mortgage process can take anywhere from a few days to a few weeks, depending on your financial situation and the lender’s requirements. Pre-approvals are faster and can be completed within 24–48 hours in most cases.