A House Is Not Just a House,
It’s Where Dreams First Come Alive and Promise to Come True.

Buying a home is a milestone achievement in your lifetime. At My Better Mortgage we recognize that buying a home is exciting, but that all the steps to make your dreams come true can be a bit overwhelming.

That’s where we come in.

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My Better Mortgage™ has made thousands of dreams come true for Canadians all across the country. We understand that you really don’t want a mortgage… you want a home! Most people dread hunting around for the best mortgage that fits their needs and goals. It’s complicated. There are deadlines to meet and forms to fill out. Many lenders have a “take it or leave it” attitude. What sets My Better Mortgage apart is that we don’t work for the lenders, we work for you!

As your mortgage expert we will match your needs and goals with some of Canada’s leading lenders. Combine that with our professional skills and expert advice and you will end up getting the mortgage that’s right for you.

We have access to a variety of different lenders who all offer something slightly different and are willing to be flexible on features and rates. A number of our lenders have special programs for buyers who are self employed, or new to Canada. We have programs available for commission income applicants, and individuals with credit blemishes.

Not every house you see will be your dream home… but it can be!

With the Purchase Plus Improvements Program you can turn the almost perfect home into your dream home. This program allows you to add to the mortgage the renovation cost of your new property. The program is offered to borrowers who have a minimum of a 5% down payment. The lender will require that you supply a list of work to be completed and quotes for doing so. Confirmation of the finished product will be required by way of an inspection. How does this affect your financing? Consider the following example, based on a purchase price of $450,000:

Estimated cost of renovation:$40,000
Total home value (after renovation):$490,000
Required down payment:$24,500
Mortgage (excluding CMHC):$465,500
Monthly mortgage payment:$2,129.58
(based on 2.69% interest, over 25 years)

In this example the cost of a $40,000 renovation is $173.84 per month, added to your mortgage.

Our advice is unbiased and focused entirely on your needs and goals. Because we specialize in residential purchases and refinances we can offer in-depth knowledge, and a detailed analysis of your financial situation. We know that owning your own home is one of the best feelings ever, and we want to help you get there.

purchase a new house

Home ownership can’t be described in words; it can’t be quantified in money. Home ownership is a feeling that makes life’s daily grind worth facing. It reassures you that after all the ups and downs, you have a place to go to… a place that will never judge you… a place that will invite you with open arms…

Contact Us Today To Discover Your Options!

Give us a call, or fill out the form, and we’ll get back to you within 1 business day to set up an appointment at your convenience.

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