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Making An Offer Apply Now

Improve the chances of having your offer accepted.

When you and your real estate agent locate what you think is the perfect home and Canadian mortgage rate, there's no time to waste - it's time to make an offer to purchase!

The Deposit

When you put an offer in to purchase a house, you are also expected to provide a deposit. The deposit assures the seller that you will indeed go through with the sale when closing day arrives. Please note that the deposit and the down payment are not the same thing. A deposit can be as little as a few hundred dollars. It's important to note that, if your deal falls through, you may lose your deposit. Talk to your mortgage broker to learn more.

Chattels and Fixtures

Some sellers will entice buyers by offering them chattels or fixtures.  Since it isn’t always clear what chattels and fixtures will stay, make sure to specifically list items that you’re unsure of. The last thing you want is an unpleasant surprise on closing day.

Closing Day

At this point, if your offer has been accepted, it’s time to close the deal. At closing, both parties must agree that all legal and financial obligations have been met. This includes any and all conditions that were written into the offer. If everyone agrees, ownership and possession will be transferred to you.

Compare Mortgage Rates

Before you make an offer, make sure you have the best mortgage rate locked down. Get pre-approved for a low mortgage rate online now. Not sure which mortgage product is right for you? Ask a mortgage broker to provide you with more information on fixed, variable, open, and closed rates for the best low mortgage rate

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Residential Mortgages

Looking to mortgage a new home? We are proud to offer some of the best mortgage products available. Take advantage of our low rate residential mortgages with personalized service and flexible payment options available.

Commercial Mortgages

Providing commercial mortgages for more than 20 years, our team of commercial mortgage experts offer in-depth knowledge and expertise to help your business thrive. Commercial mortgage approvals are guaranteed for 120 days!

Agricultural Mortgages

Agricultural mortgages are provided through AgriRoots Capital Management. Offering conventional and alternative lending options our agricultural mortgages are tailored to support the needs of your growing farm business.

Mortgage Calculators

Our mortgage calculators are here to help you gain an understanding of what your mortgage payments will look like. Our calculators will instantly provide you with an estimated monthly payment amount, mortgage affordability & more.

What is your mortgage rate? Lets find out!

The price of your home, your income and your credit rating have a huge effect on your interest rate! - let's find your precise rate, and help get you pre-approved.