Get a Better Mortgage.
Let's face it - talking about MORTGAGES won't make you the "Life of the Party."
My Nerdy Confession - I actually find the mortgage world fun. Home ownership, and the right mortgage, can help you build wealth, gain financial freedom, and give your family a safe stable place to grow and build memories. You deserve the best mortgage for your unique situation, and the lowest mortgage rates possible for your unique needs.
Whether you are a First Time Home Buyer seeking a Pre-Approval, Purchasing an Investment Property or a Vacation Home, refinancing for debt consolidation, or financing a home renovation, I look forward to finding you the right mortgage. If you are New To Canada, Self Employed, or seeking Mortgage Renewal rates in Ontario, there's a perfect fit somewhere for your goals.
With over 65+ lenders and options to meet your goals, lets make your mortgage journey better with the best mortgages rates and options in Niagara, Hamilton, Toronto, GTA, and Northern Ontario.
tammy.hicks@8twelve.mortgage
tel: 905-935-8685
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Second Home Mortgage
Financing options for purchasing an additional property, whether it's a vacation home or an investment property.
Debt Consolidation
Use your home's equity to consolidate high-interest debts into a single, more manageable payment
Co-equity Ownership
An innovative approach where multiple parties can share the ownership of a property, often making it more affordable, helping you get that home sooner or get the home you always dreamed of.
Mortgage Pre-Approval
Get an estimate for a new mortgage, find out - "How much do I qualify for?" Prepare yourself to be confident in your new home purchase.
First Time Home Buyers
Special programs and incentives are available for those purchasing their first home, aiming to make the process smoother and more affordable.
Refinance
Refinancing your mortgage can help you secure a lower interest rate, reduce your monthly payments, or access equity from your home for other financial needs.
Mortgage Renewal
When your mortgage term ends, you'll have the option to renew. It's an opportunity to renegotiate terms or switch lenders for better rates.
Self-Employed
Tailored mortgage solutions can accommodate the unique income verification and financial needs of self-employed individuals.
New To Canada
Designed to help newcomers establish credit and secure a mortgage, even with limited Canadian credit history.
HELOC (Home Equity Line of Credit)
A flexible line of credit that allows you to borrow against your home’s equity as needed.
Purchase and Improvement
Financing that covers both the purchase of a home and subsequent renovations or improvements.
Construction Financing
Loans that provide funds to build a new home or make significant renovations to an existing one.
tammy.hicks@8twelve.mortgage
tel: 905-935-8685
