Even with excellent credit, getting the right mortgage isn't as easy.
We help you find the right mortgage that will help you pay off
your loan as soon as possible.
We understand that you, like many other Canadians search for the best mortgage solutions, but often need some guidance in the right direction.
We are here to help you find the most efficient mortgage that suits your financial needs
Or whatever you're looking for.
Services We Offer
- New Purchase
- Switch / Transfer
- Debt Consolidation
- Home Equity Loan
Be mortgage free sooner!
Buying your first home can be overwhelming, but by working with a Joe Purewal and Associates, the process is simplified and all of that stress can go away! We will walk you through your purchase and get you the new home you want at a rate that you can afford.
Working with Joe Purewal and Associates is absolutely free and can save you thousands in the long run from interest, legal fees, and more!
Get the rate that you deserve by refinancing your current mortgage!
Nowadays, there are multiple reasons why Canadians like you are making the choice to refinance their mortgage. For example, since their initial mortgage, they may have been working on improving their credit score and now qualify for a new mortgage with a better interest rate and better term length so they can be Mortgage FREE, sooner. Maybe they wanted to stabilize their payments by changing to a fixed-rate mortgage from a variable rate mortgage. You can make the same decision like many Canadians have and look at options of refinancing your mortgage by scheduling a FREE consultation call with Joe Purewal and Associates.
Why do people refinance their mortgage?
Mortgage refinancing is a great option to pull out equity for consolidating debt or for financing home improvements, making investments, paying for college expenses and more.
At the end of your mortgage term, if you still have a balance, you will need to do something called a mortgage renewal.
Whenever you have an opportunity to renew your mortgage, it is important to shop around and assess whether your current mortgage is still in line with your current or new financial goals.
Joe Purewal and Associates make it easy for you by taking a deeper look into what type of interest rate and term length will get you mortgage free sooner!
Why do people switch or transfer their mortgages?
Oftentimes, Canadians switch their mortgages to take advantage of lower interest rates and ultimately save money from paying back their loan.
This way, you can become mortgage free faster by decreasing the amount of interest that is owed towards your loan.
The best part? When you switch your mortgage with Joe Purewal and Associates, you can receive up to $2500 cash back.
Consolidate Debt By Refinancing Your Home!
Debt continues to be a major problem in cities throughout Canada. With the constant burden and stress many Canadians find relief by choosing to use a debt consolidation. With the equity from your home, it’s possible to eliminate that debt. Joe Purewal and Associates offer Debt Consolidation refinancing consultations which are always free.
Debt Consolidation Advantages
Payoff credit cards, college tuition or other high interest debt.
Take Advantage of being debt free, keep in mind high interest debt isn’t tax deductible like a mortgage.
What is Equity at Home?
Home equity is the difference between the market value of your house and what you owe on your property. For example, if your house has a $700,000 market value, and you owe just $50,000, you've got $650,000 of equity left in your house.
One of the biggest benefits of home ownership is the ability to create equity, particularly during your home ownership years. You may not be able to sell your equity, but the advantages from home equity loans provide access to funds that can boost your financial condition.
What is a home equity loan?
In Canada, a home equity loan is a generic concept that describes various forms of loans in which the borrower uses their home equity as collateral. In Canada, home equity loans usually offer higher sums and lower interest rates than unsecured loans, as the home is used as collateral. Other possible home equity loan advantages can include flexible repayment options – not to mention that they are often the only choice if unsecured loans are not available (if you have a low credit score, for instance).
You might be able to apply directly through your bank or via a mortgage broker if you are wondering how to get a home equity loan in Canada. Requirements for home equity loans differ according to the type of loan you are applying for.
How We Help?
For over 20 years, Joe Purewal and Associates have been helping Canadians in Ontario obtain the best types of mortgages for all types of situations. Our primary concern is not your age, credit, or income when approving you for a loan which is why we're able to help out so many people!
Whether you're looking for a new home purchase, refinancing, switching your mortgage, reversing your mortgage or a private mortgage, we have ACCESS to all types of lenders to get you the loan you deserve!
It’s simple and free to get started! Don’t worry, we’ll take the right steps together:
Gather the right information.
Present your application
to the right lenders.
Secure the best
approval for you.
within 2 days
Pick the right one for you!
Get a Free Consultation
We pay your legal fees!
Receive up to $2500 cash back when you get a new purchase mortgage or switch your current mortgage to us