Anabela.ca offers you several services for your mortgage.
Flexible, adaptable, and adjustable plans to fit your needs.
You need the help of a mortgage professional to make the right decisions.
- Home Purchase Advice & Services
- Shop all the Banks & Lowest Rates
- Programs: Self-employed / New to Canada
- Programs: Auto-Construction and Secondary homes
- Rental properties: with 20-25% of down payment, you earn steady income, wealth creation and tax advantages.
Most homeowners simply sign the lenders renewal without shopping for the best rate and terms. However, most of the time their offer is not the most advantageous. This is the best time to shop for the best mortgage terms.
- We shop for you, no charge
- No cost for a switch or transfer from one lender to another.
- Many times, the notary is paid by the lender
Mortgage refinance can prove beneficial in several ways.
- Get cash out for any purpose.
- Consolidate high interest credit cards & other debts.
- Lower your monthly payments
- Renovations and home improvements
You need the help of a mortgage professional to make the right decisions.
- Easy access to capital in the property
- Start a new business
- Ideal for retirement
Alternative and Private loans
Non-traditional income sources, such as self-employment, rental income, or foreign income, may be intricate and may not align with the acceptance criteria of traditional lenders.
If your credit history is less than stellar or your credit score is low, traditional lenders like banks and credit unions may present obstacles to mortgage approval.
Traditional lenders often enforce strict debt-to-income ratio limits. If your ratios surpass these limits, a private lender can offer a more adaptable solution.
Private lenders specialize in providing swift and flexible financing solutions tailored to your specific requirements. This includes options like bridge loans, second mortgages, or home equity loans.
Approval is rooted in home equity and property value rather than rigid income or credit benchmarks.
Private lenders encompass non-bank financial institutions and private individuals, broadening your array of financing possibilities.
Opting for a mortgage with a private lender can serve as a strategic move to enhance your credit score and financial standing, opening doors to better deals in the future.
Depending on your circumstances and the lender type, the lender and brokers’ fee will be 2-3% of the mortgage amount. To that fee, you will usually pay for the evaluation of the property (+/-500$ + tx)
