Mortgage & Wealth Strategies
Say Hello To The Easiest Way To Mortgage
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Beyond The Rate
As expert mortgage brokers, we know building wealth through homeownership and achieving financial freedom is about more than just chasing the lowest rate—it’s about strategy.
We're taking you behind the scenes and giving you the insider tools and powerful strategies to get ahead. If you’re a first-time homebuyer, you’ll find everything you need to secure your first property and start building wealth from day one.
If you’re an existing homeowner, this is where you take control. Maximize the wealth-building potential of your current home with proven strategies for refinancing, leveraging equity, and optimizing your mortgage for bigger opportunities.
Your mortgage is more than a loan—it’s a gateway to long-term financial success.
Our goal is simple: to equip you with the knowledge and tools to make smart, strategic decisions that will transform your financial future.
Let’s get started.
Zero Down Mortgage
February 5, 2023 | Posted by: Matt Broom-Hall
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How does it work?
Essentially, instead of having the down payment in your savings account, you can borrow the down payment funds from a line of credit, loan, or any other credit product.
If you're a first-time home buyer and you want to take advantage of the RRSP home buyer's plan, you can borrow the funds to open an RRSP account. Once those funds vest for 90 days, you can withdraw them for use as your down payment.
The only downfall to the zero-down mortgage is that the borrowed down payment will be added to your debt service ratio. This means you may qualify for a lower max purchase price, but it's still a great way to get into homeownership and start building equity.
To get started or learn more, connect with me today!