Is it time to purchase your first home? Have you outgrown your starter home and need to look at something that will accommodate your family for years to come? Perhaps your nest is a little emptier and downsizing to something more manageable makes sense? Or maybe you have worked hard and have some extra money and want to explore an investment property.

Wherever you are in your journey of homeownership, the first step is to gain a clear idea of what mortgage products are available for you. Partnering with a knowledgeable and experienced mortgage broker will help you navigate the complex landscape of mortgage financing and set you up for success as you begin your search for the perfect home for you.


A mortgage is a loan from a bank or lender that allows you to purchase property without having to save for the full amount. The home you purchase becomes the collateral against which the loan is secured.

In order to qualify for a mortgage, you will have to provide a snapshot of your financial health to the mortgage provider. Your bank or lender will require you to provide:

  • Your Credit Score: This is a report of your borrowing and payment behaviour.
  • Your Employment History: Proof of your salary or hourly pay rate, your position, and employment stability.
  • Your Debt to Income Ratio: Your DTI is the amount you owe relative to your income. This will include recurring costs such as housing and other loan payments.
  • Your Down Payment: How much you have saved for a down payment will influence the amount you can qualify for.

Providing this documentation will allow you to figure out exactly how much of a mortgage you will qualify for.


Mortgage Answers At Your Fingertips

Your Mortgage App, powered by Property Finance Corp. has the answers to all your mortgage questions. Explore how much you need to borrow, calculate your monthly payments, estimate land transfer tax, compare current rates, access our Stress Test to calculate your maximum loan amount, connect with a broker, and more with this comprehensive mortgage financing tool. And the best thing about the Your Mortgage App? It is completely free!

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Securing a mortgage is not always so simple or straightforward. Rates, terms, and levels of service will vary from provider to provider. Don’t assume that the first lender’s mortgage is pretty much the same as the mortgage you would get from another. There are some things you need to do to avoid costly mistakes and find the mortgage product that is right for you.

Mistake #1: Not Getting Pre-Approved

It is hard to resist scrolling through the online listings in search of your dream property, but before you begin your home search in earnest you need to have a very clear idea of what you can afford. And keep in mind that the maximum you are approved for does not reflect every aspect of affordability. Don’t forget to factor in administrative and legal fees, taxes, condo or homeowner association fees, and your own goals for finances and lifestyle.

Mistake #2: Not Shopping Around

Not all lenders are created equal. Nor are all mortgages. There are many mortgage products out there that are designed to meet the needs of certain segments of the population; first-time buyers, investors, and the self-employed just to name a few. Not every mortgage is right for every borrower. One easy tip to help you navigate the complicated landscape of mortgage financing is to partner with a reputable and experienced broker who can cut through the flashy ads and empty promises and help you find the best mortgage solution for you.

Mistake #3: Using All Of Your Savings For A Down Payment

A large down payment is often favoured. And it really is smart to ensure that you have saved the most you can by the time you start looking for your home. But don’t leave yourself strapped when it comes time to finalize your home purchase because you have forgotten to set aside money for closing costs. These fees can often add up to 4% or even more of your home’s purchase price. Savvy advisors recommend that you also set aside three to six months of living expenses in case of emergency so you never have to put your mortgage and your investment on the line.

Celebrating Success

We are committed to helping our clients find the best mortgage solution available and educating them every step of the way. When our clients are able to move closer to their financial goals and can purchase, refinance, or leverage their home’s equity, their success is our success. We’ll let them speak for themselves...

Don’t Let The Rates Fool You

Every mortgage customer focuses on advertised rates as they search for the “best” mortgage available. Good rates are great, but they do not tell the whole story. The length of the mortgage term, amortization, repayment flexibility, and type of interest are just some of the other factors that will determine the best mortgage for you. Property Finance Corp. can connect you with the mortgage products that meet each of your needs and that sets you up for a strong financial future.


There are mortgage products available for first-time buyers, investors, empty nesters, growing families, newcomers, the self-employed, and even those with less than perfect credit.  The key to a healthy financial future is finding the mortgage that is right for you. Partner with Property Finance Corp. and leverage our network of over 35 lenders and the skill and experience of our knowledgeable brokers as you explore all the mortgage options out there. Let us guide you with thoughtful discussions about your financial health and goals for the future and let us take you home. Call 1-844-PF1CORP (731-2677).

Mortgage Solutions That Are Just For You

Property Finance Corp. has access to a variety of mortgage products that can be tailored just for you. From first-time buyers to empty nesters looking to downsize and for every single Canadian seeking a mortgage product in between, we have the solution. Access to our network of over 35 of the most reliable lenders means we can help you find a new mortgage, negotiate a mortgage renewal, help secure refinancing,  and unlock the equity in your home.

Mortgage FAQs

We use the score to decide who receives loans and at what interest rate. The higher your score means you have a better chance of getting a loan with an attractive interest rate.

Saving for the down payment is the greatest obstacle for first-time buyers. Lenders expect between 5% to 20% for a down payment. Your broker can help you prepare for your mortgage application by advising you how much you really need to save.

Pre-qualification: Gives first-time homebuyers an indication of how much they "might" qualify to borrow. This mortgage amount is not guaranteed because no information has yet been verified.

Pre-approved: Pre-approved means that your lender has agreed to provide you with a mortgage of a certain amount. This allows you and your Realtor® to search, make an offer, and negotiate a deal with confidence that the financing will be available.

The Right Broker = The Right Mortgage Solution

The Right Broker = The Right Mortgage Solution

Choosing the right mortgage solution is key to setting yourself up to achieve your goals and creating a bright financial future for you and your family. Choosing the right mortgage broker to help you get it is just as important. Property Finance Corp. is a team of dedicated and experienced brokers who can guide you through the often complex world of mortgage products. Leverage our skill, our industry knowledge, and our carefully cultivated lender relationships to find the mortgage solution that is most ideal for you.

Call us at 1-844-PF1CORP (731-2677) today.

Your Guide To A Strong Financial Future

You don’t have to travel the pathways to homeownership, mortgage renewal, refinancing, or accessing the equity in your home alone. Property Finance Corp. is uniquely positioned to guide you with insight and practical advice to ensure that the mortgage product you choose is exactly right for you.

Call us today at 1-844-PF1CORP (731-2677)

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