Mortgage is a valuable financial tool that can empower you to achieve your homeownership dreams. With a mortgage,
you can access the funds needed to purchase a property, spreading the cost over time through manageable monthly payments.
Our team of experienced mortgage professionals is dedicated to helping you navigate the complex mortgage landscape, offering expert guidance and support as you explore your options and make informed decisions. Whether you're a first-time homebuyer or an experienced real estate investor, we have the expertise and resources to help you achieve your goals.
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Swatti is not just like every other mortgage agent. She sits with you, explains everything, devices a strategy so that your mortgage application runs smooth. Trust her - Your mortgage journey runs smooth
We are new to Canada and like many, we had dream of getting our own home in this rental crazy market, but it came with many roadblocks as we are new to canada. Swatti helped us go through all of them smoothly and made our wish come true. Her attention to detail to the documentation shows how dedicated she is in making her clients happy. She was there to answer all my novice questions and all the complicated ones that I had with equal patience and interest. There was never a time, I felt that I am lost without updates. I Strongly recommend Swatti's services.
It was very nice and friendly experience working with Swati. She goes beyond to make sure, the experience of getting mortgage is smooth and easy. Would highly recommend to work with her.
Swatti went above and beyond to ensure we had the most pleasant experience possible.She was approachable and easy to talk too, ensuring we understood all parts of the process. Nothing was ever to difficult and no question was left un answered. 10/10 for customer service! I would not hesitate to recommend Swatti to any of my friends. Cheers!
It has been great experience working with Swati on my mortgage requirements. She was very helpful providing the information in a friendly and professional manner.
Very professional, knowledgeable and friendly. She has helped me in the whole buying process from start to finish. She made sure i got the best deal with the lowest interest rate for mortgage. Will definitely recommend her.
Very Professional, Very dedicated, she knows inside out about the Laws, Rules & Regulations for the Mortgages. A very helpful soul with professional guidance and trust. Highly recommended.
Positive: Professionalism, Quality, Responsiveness, Value Swatti has been very helpful throughout our first home buying journey in new country. She guided through all the steps and was there for us at every step 24 x 7 Thanks a ton Swatti 😄
It was a great experience thanks for making our closing smooth. Very knowledgeable and professional.
Thanks for arranging my loan in very short notice.
Very professional and always ready to help. She helped me to get a mortgage at a competitive rate. I highly recommend Swatti for any of your mortgage needs. She has answers to all your mortgage questions.
Getting a home loan in Canada relies on different things, like having good credit. A good credit score, usually between 680 and 900, helps you get better deals and can let you borrow more money. But other things like a steady paycheck (try to get a job that pays you every month) and keeping your debts under control in relation to what you make (make sure the money spent on bills each month is no more than 40% of income) are also very important. For example, if you earn $5000 each month try to keep your debts at less than $2000.
Having more than one property makes getting a mortgage harder. Lenders check if you can handle having more than one house loan and the reason behind each property. It's important to present a good plan for how you will use property and money. If you want to rent a place, getting a tenant and rental agreement can help get approval. Our MOM service gives special tips to make your property places easier for getting money.
Even without full citizenship, non-citizens can get a mortgage. The important thing is showing you earn money steadily, have a good track record of paying back debts and don't owe too much. For example, getting a work permit and having steady job with no big debts can make you more likely to be accepted.Our experts understand the details. They make sure to think about your specific case, providing ways for you to have a house of your own.
The type of loan you get affects your interest rate too. In mortgage, there are two types of mortgages:
Fixed-rate Mortgage: The set rate of interest for the entire length. This gives steadiness, because your regular payments stay the same.
Variable Mortgage: The interest goes up and down depending on what's happening in the market. Although it might give lower first rates, there's a possible chance of changes later on.
Also, your credit score (try for 750 or more), market conditions and size of the money you put down all affect how much interest rate you get. For example, if your credit score is 800 you might get a lower interest rate than someone with just over 700. Knowing these choices helps you pick a mortgage that matches your money goals.
Improve your chances of getting approval by taking care of your credit. Always look at your credit report, fix any errors and try to get a good score of around 750 or more. Having a good job, reducing your debts and saving money for the price of buying property (try to save 20% of what you want to buy) helps make your economy strong. Consider this: If you're looking at a house worth $300,000 to buy, putting 2 units or $6.o thousand upfront is your down payment cost then. Our MOM service gives you helpful steps to improve your money situation.
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