Mortgage Factory


Purchasing & Building

Understanding your mortgage options can be daunting, and there is no “one size fits all” approach. We carefully guide you through the process, ensuring you get the best mortgage with the lowest rate.


Mortgage Journey

Stage-1 Application

STEP 1 - Apply

Get your budget. Start by completing an Online Application.

STEP 2 - Verify

Receive a checklist for the required documents to solidify the budget and pre-approval.

Stage-3 House Hunting

STEP 3 - House Hunt

Work with a Realtor within your budget. Having pre-approval gives you an edge when it comes time to make an offer.

Stage-4 Underwriting

STEP 4 - Mortgage Underwriting

Once you accept an offer, we apply for mortgage financing through one of our many lending partners.

STEP 5 - Closing

Once all of the conditions are fulfilled, the lawyer closes the transaction, and you receive the keys to your new home.


Are you a First-Time Homebuyer?

Navigating your first home purchase shouldn’t be stressful. We walk you through the process and help you become a homeowner sooner.


Sources you can tap into for the downpayment.

Homebuyers Plan

Access investments through the CRAs Homebuyers Plan

First-Time Homebuyers Incentive

A shared equity incentive provided by CMHC.

Tools & Resources

Helpful articles and tools to assist in your purchasing journey.


New Construction

New home construction can take many forms, from a complex custom-built project to a more common turnkey package. We will walk you through your options and see what fits you best.

Custom Build


Financing is available for new construction for those who want to build their own home.


Work with a builder and Realtor® to choose the floor plan, fixtures and other details in a convenient package.


Mortgage News

When you think of the first steps in buying a home, you're probably thinking about talking to a...
In today's market, qualifying for a mortgage is no easy feat. Even the most financially-stable applicants may find...
Recently, there has been a remarkable rise in appraisal valuations; in some cases, it's even reached the purchase...
You have applied for a mortgage and have been pre-approved! Great, nothing can go wrong, right? Well, not exactly....