Axis Mortgage Inc.
Find the mortgage solution that fits your goal
Whether you're buying, renewing, refinancing or dealing with a situation that doesn't fit traditional lending guidelines, the first step is understanding the available options and their costs.
Home Purchase Mortgages
Financing for first-time buyers, repeat buyers and homeowners moving to another property. I can help you understand qualification, down payment requirements and available lender options.
First-Time Home Buyer Mortgages
Buying your first home can involve new terminology, qualification rules and down payment decisions. I can help make the process easier to understand from application through closing.
Mortgage Renewals
Your lender’s renewal offer is not your only option. Before signing, we can review the rate, term and features and compare other available mortgage solutions.
Mortgage Refinancing
Refinancing replaces or restructures existing mortgage financing and may be used to access equity, consolidate debt, renovate or change the mortgage structure.
Debt Consolidation Mortgages
Available home equity may allow some homeowners to combine higher-interest debts into mortgage financing. Qualification, costs and the overall financial impact should be reviewed carefully.
Home Equity Loans & HELOCs
Home equity financing can provide access to funds secured against your property. Depending on your situation, this may include a home equity loan or a Home Equity Line of Credit (HELOC).
Second Mortgages
A second mortgage is additional financing registered behind an existing first mortgage. It can provide short-term access to equity, although rates and fees are generally higher than traditional first-mortgage financing.
Reverse Mortgages
Reverse mortgages can allow eligible Canadian homeowners age 55 and older to access a portion of their home equity without selling their home. Eligibility, costs and long-term implications should be reviewed before proceeding.
Self-Employed Mortgages
Business owners, contractors and self-employed borrowers may document income differently from salaried employees. There are mortgage programs designed for a variety of self-employed situations.
New-to-Canada Mortgages
Newcomers may have limited Canadian credit history or different income documentation. Some lenders offer programs specifically designed to help qualified newcomers purchase a home.
Bruised Credit Mortgages
Past credit challenges do not always mean home financing is impossible. Available options depend on factors such as equity or down payment, income, property, recent credit history and the circumstances behind the credit issues.
Bankruptcy & Consumer Proposal Mortgages
Mortgage options after a bankruptcy or consumer proposal depend on the time since discharge or completion, rebuilt credit, down payment or equity, income and lender guidelines. I can help you understand which options may be available.
B-Lender Mortgages
Alternative or B lenders can serve borrowers who do not currently meet traditional prime lending guidelines. These mortgages may offer more flexible qualification but can involve higher rates or fees.
Private Mortgages
Private mortgage financing can be considered when traditional and alternative institutional lenders are not a fit. Private mortgages are generally short-term solutions, so costs and a realistic exit strategy are especially important.
Rental & Investment Property Mortgages
Financing for rental and investment properties can have different down payment, qualification and documentation requirements than an owner-occupied home.
Construction Mortgages
Construction financing can help fund the building of a new home, with money typically advanced in stages as construction progresses and specific lender requirements are met.
Bridge Financing
Bridge financing is short-term financing that may help cover the timing gap when purchasing a new property before receiving the proceeds from the sale of an existing property.
Vacation & Second Home Mortgages
Financing may be available for qualifying second homes and recreational properties. Requirements vary based on how the property will be used, its location and property type.
Mortgage Transfers & Switches
At renewal or in other qualifying situations, it may be possible to move a mortgage to another lender to obtain different rates, terms or features. Any penalties, legal costs or other fees should be considered.
Mortgage features & structures
Mortgages can also be structured in different ways, including fixed or variable rates, open or closed terms, and insured or uninsured mortgages. These are features of the mortgage rather than separate reasons for borrowing.
Learn about mortgage types →Not sure which option fits?
Tell me what you're trying to accomplish. I’ll help you understand the mortgage solutions that may be available to you.
Talk to SalStart an Application