• Win a Trip to Las Vegas Contest!

    MyMortgage.ca is proud to announce our NEW 2012
    Win a Trip to Las Vegas Contest!
    Our 2012 contest is designed to give our valued clients a chance to win a weekend getaway!
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  • Buying a Home?

    MyMortgage.ca offers a variety of mortgage options for home buyers. Regardless of your circumstances, we can usually find a mortgage to suit your needs.
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  • Need to Refinance? Let us help

    Don't let circcumstances prevent you from reaching your goals. MyMortgage.ca offers a number of mortgage products designed to suit your refinancing needs.
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  • Save Money on Mortgage Renewals

    Mortgage up for renewal? This is the ideal time to re-assess and re-examine your financial situation. Call us today.
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Purchasing

Mortgage Insurance Premiums


The Insurance Premium is paid once, at the time of closing, and may be added onto the mortgage or paid separately.
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Increases Made to Debt Coverage Ratios


In following our commitment to providing current product information for our clients, MyMortgage.ca is pleased to announce the following changes to insurer’s guidelines for borrower qualifications (GDS/TDS).
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25 & 30 & 35 & 40 Year Amortization


Mortgage Insurers have launched 30 year amortization mortgages.
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Free Down Payment Mortgage


The Free Down Payment Mortgage has been developed to assist homebuyers who have established an excellent credit history but have not accumulated the required down payment, or have chosen to use their savings for other asset enhancing purposes.
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Flex Down Payment Mortgage


The Flex Down Payment Mortgage has been developed for homebuyers who have excellent credit history (Score of 650 or greater) but have not accumulated the required down payment.
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5% Cash Back Mortgage

Buying a new home can feel overwhelming. There are all kinds of things you need to consider, such as lawyer’s fees, moving costs, closing costs, and other expenses. You can receive as much as 5% of the mortgage amount paid to you at closing.
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No Proof of Income Mortgage (Alt-A Program)


At MyMortgage.ca we understand that as a consultant, contract worker, or independent business owner your taxable income may not reflect your true income.
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Newly Self-Employed Mortgage


Newly Self-Employed applicants are normally required to demonstrate at least two full years of operation of their business.
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Self-Employed Bonus Mortgage


Self-employed borrowers can now enjoy a new approach to income determination and verification through a simple 15% gross up of the total income (line 150) on their Canada Revenue Agency (CRA), Notice of Assessment (NOA).
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75% Stated Income Equity Mortgage (Flex Equity Program)


Clients who have difficulty proving their true income can qualify based on 25% down.
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80% Home Equity Line of Credit


We offer Home Equity Line of Credits (HELOC) up to 80% LTV, so homeowners can enjoy access to additional funds with more flexibility and convenience.
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Purchase with Improvements Mortgage


This program is designed for people who wish to purchase a home that may require some immediate upgrades.
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Home Buyers Plan (RRSP)


The HBP is a program that allows you to withdraw up to $25,000 per person (or $50,000 per couple) from your registered retirement savings plan (RRSP) to buy or build a qualifying home.
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Foreign Employee Mortgage


At MyMortgage.ca we recognize the increased migration of foreign works to Canada. With new programs now available through the insurers’ these individuals can qualify for mortgage financing with as little as 5% down payment.
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New Canadians Mortgage

The Welcome to Canada Mortgage is for new immigrants who established their residence in Canada within the last 6 years and are unable to meet normal guidelines.
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5% Down Second Home Mortgage


Lifestyles are changing and these changes affect decisions that Canadians make regarding how and where they live. With this in mind CMHC will now provide homeowner insurance for borrowers with more than one residential property. You can now buy a second home with as little as 5% down from your own or borrowed source.
Click here to learn more.

5% Down Vacation Home Mortgage


Owning vacation or recreation property can be an extremely rewarding experience! Borrowers can now obtain financing on vacation/recreation homes with 5% down.
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Gross Up Mortgage - Non-Taxable Income


For borrowers with non-taxable income, lenders may now gross-up this income for the purpose of mortgage qualifying.
Click here to learn more.
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