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OUR SERVICES

Given the vast number of mortgage products and options available today, shopping for a mortgage sometimes can be overwhelming and confusing for consumers. I will provide you with a comprehensive source of information and expert advice that will help you build a mortgage blueprint that fits your financial needs and long term financing goals. With access to various mortgage lenders, we shop the market on your behalf for the lowest mortgage rates and offer you mortgage solutions that best suit your unique mortgage needs.

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First Time Buyers

Let us help you with one of the biggest financial and lifestyle decisions you will make.  We’ll shop multiple lenders to get you the best rate and minimize any penalities.

Buying a home is an exciting time!  You’re about to take a big step so you’ll definitely need some advice from a mortgage professional.  We’ll give you the facts your bank won’t tell you about financing your next purchase.  With access to multiple lenders, we’ll help you find the best rates and best mortgage options to help you buy your dream home. Our best advice?  Begin with a conversation with a mortgage professional in your area.

Need a pre-approval before you go househunting?

Find out how much you can afford before you go househunting! This will keep you focused on shopping for homes within your price range. If you qualify for a preapproved mortgage, you’ll be certain of the size of mortgage for which you qualify and guaranteed a rate for a specific period of time. If you don’t qualify for a pre-approved mortgage, we will be able to help you estimate a mortgage-qualifying amount.

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Denova Group Services - First Time Buyer
Denova Group Services - Renew Or Switch Mortgage

Renew or Switch

It’s most likely that your current lender will offer you a rate that is not the best one on the market.  We’ll show you how to obtain the best rate and options for your unique situation.

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Construction Financing

If you are building a new home or renovating your property, we have excellent financing options to help you out.

Sometimes, the house of your dreams is the one you’re already living in.

Maybe it just needs some new landscaping, an extra wing for your growing family, an expanded kitchen, or a swimming pool in the backyard! A record number of Canadians have taken advantage of the historic low mortgage rates and rising real estate values and have tapped into their home equity through equity take-outs. There’s never been a better time to access the extra funds that can help bring your home to that next level of comfort. Consider accessing the cash you need for the renovations and improvements you’ve been dreaming about!

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Denova Group Services - Renovations Financing
Denova Group Services - Investment Properties

Investment Properties

Looking to invest in a second piece of property?  Thinking about a vacation or recreational property?  We can help.

Investment properties are now accessible to many average Canadians.

Investment properties – particularly smaller, residential real estate – are now accessible to many average Canadians. And as any homeowner will confirm, real estate has been one of the most attractive investment categories in Canada for the past decade.  If you’re considering an investment in real estate, start by having a conversation with an experienced Mortgage Broker, to explore some of the innovative new options and great rates available today.

Vacation Homes

There are many Canadians jumping at the chance to own a recreational property. The aging baby boomer population is flush with capital and an insatiable desire for a waterfront or other recreational property. And with the advent of better roads, Internet and telephone service, satellite service, and winterization expertise, people are realizing that vacation properties can make ideal retirement homes. No longer just perceived as a welcome retreat from the city, a second home is now viewed as a solid financial investment with the added value of a potential retirement property.

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Debt Consolidation

Use the equity you already have in your home to lower interest payments on bad debts and reduce payees.

Use Your Home Equity to Reduce Credit Card Debt

Many Canadians are taking advantage of refinancing some of the equity in their mortgage to reduce their credit card debt.  Why pay high interest rates on your bank’s credit card debt when you can add that debt to your mortgage and pay a much lower interest rate!  One important part of a strategy is knowing “good debt” from “bad debt”. A well-planned mortgage can help you turn those bad debts into good debts and get them out of the way.

1. Consolidate high interest rate credit cards to one lower rate.
2. Save money and increase cash flow.
3. Reduce stress knowing that your financial situation is now manageable.

If you’d like to have a conversation about refinancing your debt, give us a call today to review your options.  It’s time to beat the banks!

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Denova Group Services - Debt Consolidation
Denova Group Services - Credit Repair

Repair Your Credit

Does your credit rating need some repairing? Sometimes things get out of control…the worst thing you can do is do nothing.

Bad credit rating can be gut-wrenching and humiliating … we have options!

“Life is what happens when you’re busy making other plans.” …and sometimes things get out of control. A bad credit rating can be gut-wrenching and humiliating as well as just plain bad news.  We see all kinds of credit ratings every day and we have the strategies to help improve and even heal, damaged credit. You may be surprised to know that you can still obtain a mortgage. Whether you’ve had a bankruptcy or your credit is only slightly bruised, you can obtain financing.

As mortgage professionals, we have access to non-traditional lenders who offer financing solutions to individuals who have some credit challenges that cannot be addressed by the major financial institutions. Together we can quickly assess your situation and decide on the best way to move forward.  The worst you can do is do nothing.

Give us a call today!

*Subject to approved credit, income verification and meeting lending credit granting criterea. Applies to residential mortgages only and some conditions may apply. O.A.C., E.O.E All content is subject to change without notice.

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Self Employed

Entrepreneurship is not always rewarded when it comes to mortgaging your next home.  We have some smart options for self-employed professionals to suit your needs.

When it comes to mortgages, it hasn’t always paid to be self-employed – because reducing your taxable income can make it difficult to qualify for the mortgage you deserve. We understand business owners because we’re business owners, too.

What’s better, we have a long list of institutional and private lenders that offer excellent mortgage options for self-employed Canadians. These lenders in Canada understand that self-employed individuals have tax write-offs creating significant reductions in their declared income. With these mortgage lenders, you will not be required to prove your income and a reasonable estimate of your annual income will be acceptable.

We’re here to help you beat the banks.

*Subject to approved credit, income verification and meeting lending credit granting criterea. Applies to residential mortgages only and some conditions may apply. O.A.C., E.O.E All content is subject to change without notice.

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Denova Group Services - New To Canada

New To Canada

Now that you’re ready to settle in Canada, we have mortgage and real estate info to help you make decisions to find a safe, affordable home.

Welcome to Canada!

Just because you are a new immigrant does not mean that you have to wait to purchase a home. If you have been in Canada for less than three years, have landed immigrant status, and have been employed in Canada for a minimum of three months, you can qualify for a mortgage.

The documents you will need include a letter from your employer, a recent pay stub, and 12 months verifiable bank statements from a recognized financial institution. This can include a financial institution from your country of origin if you have been in Canada for less than 12 months. Also acceptable is 12 consecutive months of 2 verifiable monthly payments in good standing. (e.g. phone or utility bill).

With access to multiple lenders, we’ll help you find the best rates and best mortgage options to help you buy your dream home.  Give us a call today!

Give us a call today!

*Subject to approved credit, income verification and meeting lending credit granting criterea. Applies to residential mortgages only and some conditions may apply. O.A.C., E.O.E All content is subject to change without notice.

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