Mortgage Solution
Purchase Mortgage
You Find The Home We Find The Financing
Buying a home is a big deal and at Georgian Bay Lending, we’re here to guide you every step of the way. Whether you’re feeling excited, nervous, or a bit of both, we’ll help you understand your options, qualify with confidence, and make smart decisions that support your future.
We understand that every homeowner’s situation is unique. That’s why our team of licensed mortgage professionals will work with you one-on-one to understand your specific needs and goals and recommend the best refinancing option for you.
Refinance
Take control of your finances and refinance your mortgage
Mortgage refinancing options will give you a chance to rethink your current home loan in light of your current financial situation. Whether it is to lower monthly payments, reduce your interest rate, lessen your amortisation period, or consolidate debt, mortgage refinancing presents an opportunity to enhance your financial position.
Renewals
Mortgage Renewal Assistance: Securing the Best Terms for You
We’ll secure a rate lock for you so that if rates drop, so does yours, but if they rise, you’re protected. Renewal is also the perfect time to reassess your financial situation. We can help you explore options to restructure your mortgage, tap into home equity, or pay down high-interest debt.
Is your mortgage up for renewal? Let us find you the best deal and potentially save you thousands. Contact us 120 days before your renewal date to get started!
Heloc
Flexible Borrowing Power with a HELOC
Home Equity Line of Credit provides you access to any equity of your home on a revolving basis with the freedom to borrow, repay, and borrow again as you see fit. A HELOC operates similarly to a credit card secured by your property instead of a traditional loan with a fixed amount. You may borrow up to the authorised amount and use it for multiple expenses, such as ongoing expenses like home renovations or education expenses, or as a potential reserve for an emergency fund.
Primary lending
Simplifying Your Home Financing Journey
Primary lending is the most common and straightforward way to secure a mortgage for your home. It involves borrowing from traditional lenders such as major banks and credit unions that offer competitive interest rates and flexible terms. With a strong credit history and stable income, you can take advantage of the best mortgage options available in the market.
Alternative Lending
An Overview of the Alternative Lending Landscape
Alternative lending is designed for borrowers who may not meet traditional bank requirements but still deserve access to great mortgage solutions. Whether you’re self-employed, have bruised credit, or need more flexible income verification, alternative lenders offer customized options to fit your unique situation. These lenders look beyond standard criteria, focusing on your overall financial picture rather than just your credit score.
Private Lending
Private Mortgage Financing: Alternatives When Banks Say No
In certain situations, a private mortgage can be the best way to go. If we determine that a private mortgage is what works best for you, I’ll make sure you understand everything and that your experience is as comfortable and seamless as possible. You’ll be reaping the benefits of a private mortgage in no time and with no stress.
Pre Approval
Mortgage Pre-Approval – Your First Step Toward Homeownership
A mortgage pre approval answers the question, “I wonder how much I would qualify for right now?” A mortgage pre approval is the first step in the home buying process, thereby taking the stress out of shopping for your dream home because you’ll have the confidence of knowing what you’re able purchase. Plus, a mortgage pre approval protects you from any sudden increases because the rate can be held for up to 120 days.
