Mortgages with customizable features
Whether you’re new to first-time homebuying or not.
Mortgages with customizable features
Hi. We’re so glad you stopped by!
At Veritas we believe in long-term relationships. Our goal is to earn your business now, and in the future. We work hard on your behalf to find you the mortgage product that best suits your needs, including optimal terms and the lowest possible interest rate. We work for you; not the bank – this means options, advice and a licensed mortgage expert in your corner to guide you through the entire process!
Five Step mortgage process
Step 1: Pre-Approval / Application
Our secure online application will take approximately 5 minutes to complete. Please provide as much detail as possible – this will help us process your application quickly and place you with the best lender possible.
Step 2: Processing
Once your application is received you will be contacted to review your application details and discuss your needs/specific goals. We will then prepare and send your application to one or more of our lenders for a rate hold (if you are looking for a new home/additional property) or approval (if you already own or have an accepted offer on a property).
Step 3: Acceptance
Once your loan application is approved, you will be sent a Mortgage Commitment. You will be required to sign and return this and any other requested documentation. Once these final documents have been approved (by the lender) your loan will be ready to be instructed to your lawyers office
Step 4: Funding / Your Closing Appointment
Your mortgage is now ready to be registered. This is done through an appointment with your lawyer or facilitating company ie FCT/FNF (we will advise of your options in advance). Your final mortgage documents will be signed at this time. The mortgage funds are then forwarded to the seller (purchase) or to a lender (existing mortgages – refinance, renewal, switch/transfer).
Step 5: Beyond Funding
The funding of your mortgage doesn’t mean our job is done. We are with you for the life of your mortgage – including reviewing your mortgage when your term comes to its end; refinancing your existing mortgage or assisting with the purchase of additional properties; right on through to the moment you become mortgage free! We are here to support you – no matter what life throws at you.
Our Specialties:
PurchaseFirst Time Home BuyersMortgage RenewalsMortgage RefinancingSelf-EmployedCredit ImprovementReverse MortgagesSpousal BouyoutNew To CanadaConstruction Mortgage
Purchase
Ready to buy? Let’s get you Pre-Approved! Lock in your rate and shop with confidence!
First Time Home Buyer(s)
Preparing to purchase your first home? Stepping into the world of home-ownership for the first time is an exciting and rewarding time. It can also be overwhelming and confusing; there are many things to consider. The great news is that we’ve helped thousands of home owners with their mortgage needs. We’re here to walk you through the entire process! We are mortgage pros.
Mortgage Renewals
Looking to get out of a high rate mortgage? Need access to your available equity? A mortgage refinance is an opportunity to reduce your rate and/or unlock equity. Whether it’s for debt-consolidation, a sought-after renovation, or an investment opportunity; we’ll get you the money you need, at the best available rate!
Mortgage Refinancing
Looking to get out of a high rate mortgage? Need access to your available equity? A mortgage refinance is an opportunity to reduce your rate and/or unlock equity. Whether it’s for debt-consolidation, a sought-after renovation, or an investment opportunity; we’ll get you the money you need, at the best available rate!
Self – Employed
Contract Employee? Do you own your own business? We have access to a variety of lending options for the self-employed. Contact us today!
Credit Improvement
Are you coming back from a life event that affected your credit? Looking to improve your current situation? We have mortgage lenders who will consider bruised credit (for your right-now solution) and/or work with you to start improving your credit for the best mortgage rate in the future!
Reverse Mortgages
Retiring shouldn’t mean having to sell your home or adding additional debt to make staying in your home possible. We have access to reverse mortgage options which allow Canadians a safe and secure way to access up to 55% of the value of their home. If you are 55+ this may be your path to freedom and the opportunity to enjoy your best life! Contact us for more information on how to put this to work for you and/or a loved one!
Spousal Buyout
Do you need to dissolve ties with your ex (or soon to be) ex-spouse? Are one of you looking to stay in the “matrimonial home”? The Spousal Buyout is available for those who are in the process of a legal separation where assets/property are being divided. This mortgage allows for one of the jointly titled homeowners to buy the other out (includes common-law partners); allowing you to move forward with life. Separation is hard enough, let us help alleviate some of the stress.
New To Canada
Have you immigrated or relocated to Canada within the last 5 years? Do you have a valid work permit or permanent residency? If you have answered yes to both these questions you can own a home for as little as 5% down payment. Contact us for more details – we’d love to help make your dreams of owning a home in Canada a reality!
Construction Mortgage
Are you looking to undertake the construction of a custom-built home, investment or vacation property? Construction loans are available. While they are common, they are not your usual mortgage. Put our expertise to work for you!
4 Brokers
Mortgage professionals with lots of experience and your interests at heart.
1,000+ Clients
Entrusting us with their mortgage needs and decisions.
20+ Lenders
Access to tens of bank and non-bank lenders.
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Get in touch
Give us a call or drop by anytime, we endeavour to answer all enquiries within 24 hours on business days. We will be happy to answer your questions.