Mortgage Options
Find the Right Mortgage for Your Needs
Better Mortgages provides a wide range of mortgage and loan programs tailored to meet the needs of borrowers looking to finance all types of properties. Explore our mortgage services below to see how we can help you achieve your financing goals with the right solutions for your needs.
Rental Mortgages
With decades of experience, the Better Mortgage team delivers award-winning service and results, providing tailored solutions to help you kickstart or expand your real estate portfolio.
Purchase Mortgages
Customized to fit your specific needs, Better Mortgages will ensure you secure the most competitive rates and flexible terms to support you on your journey to homeownership.
First-Time Buyers
The Better Mortgage team is dedicated to guiding you through the home buying process and finding the best options that align with your budget, making your dreams attainable.
Construction Mortgages
Better Mortgage offers flexible construction financing tailored to support each phase of your project, from land purchase to completion, ensuring you stay on track and on budget.
Purchase + Improvements
Buy and renovate with one convenient mortgage. Our Purchase + Improvements program lets you roll renovation costs into your mortgage, helping you turn any property into your ideal home.
Buying From A Builder
Better Mortgage provides expert guidance for purchasing pre-construction or newly built homes. We help you navigate builder terms, deposits, and occupancy timelines for a smooth transaction.
Self-Employed Mortgages
Being your own boss shouldn’t limit your homeownership goals. We specialize in mortgages for self-employed individuals, using flexible income verification to get you approved.
New to Canada
Canada’s immigration fosters a diverse population of over 8.3 million recent immigrants. Better Mortgages helps newcomers access mortgage programs for secure futures in their new country.
Vacation Homes
Owning a vacation home is a dream for many Canadians. Vacation Home Mortgages also support family needs and practical second residences. =
Commercial Mortgages
The Better Mortgage team offers tailored Commercial Mortgage solutions to meet the varied financing requirements of investors in the commercial real estate sector.
Mortgage Renewals
As your current mortgage term nears its conclusion, Better Mortgage will provide expert guidance to help you make informed choices that align with your financial objectives.
Refinance Mortgages
Optimize your mortgage with Better Mortgage to better meet your financial needs. Whether it’s adjusting your payment, or funding renovations, refinancing can offer viable solutions.
Debt Consolidation
Better Mortgage can assist clients in consolidating multiple debts into a single, lower interest rate mortgage, helping to simplify payments and potentially save money over time.
Second Mortgages
Access the equity in your home for large expenses or investments. Better Mortgage structures second mortgages to give you extra funds while keeping your current mortgage intact.
HELOCs
A Home Equity Line of Credit allows homeowners to access the equity in their properties, ensuring they only pay interest when they draw from the line, providing financial flexibility.
Reverse Mortgages
Reverse Mortgages can be an excellent way to enhance retirement income by eliminating monthly mortgage payments, allowing homeowners to utilize their home equity for a more comfortable lifestyle.
Jumbo Mortgages
Specializing in high-value real estate, Better Mortgage provides financing options for mortgages exceeding $1,000,000. Certain banks are open to offering better rates and deeper discounts for these loans.
Non-Resident Mortgages
Specializing in high-value real estate, Better Mortgage provides financing options for mortgages exceeding $1,000,000. Certain banks are open to offering better rates and deeper discounts for these loans.
Fixed vs. Variable
Understand your rate options. We’ll help you choose between fixed-rate stability and variable-rate flexibility based on your risk tolerance, financial goals, and market outlook.
Bridge Financing
Need to buy before you sell? Bridge financing offers short-term funding to bridge the gap between transactions, helping you secure your new home without pressure to rush your sale.
Pre-Payment Allowances
Pay off your mortgage faster and save on interest with flexible pre-payment options. Better Mortgage helps you understand your lender’s policies so you can take full advantage.
