Mortgage Solutions

The Mortgage Centre Finance & Solutions

From a new home or heritage treasure to a refinance or investment property, The Mortgage Group's goal is to help you get the best financing solution for your needs. Our Mortgage professionals assess your unique situation and help you understand what you can comfortably afford to borrow.

Mortgage Branch

The Mortgage Centre

From coast to coast, our 700+ qualified and accredited Mortgage Professionals and Mortgage Agents in major, metropolitan cities and regional areas are meticulously trained on lender mortgage products and services to provide professional, knowledgeable expertise.

Why choose The Mortgage Centre?

The Mortgage Centre has one of the largest lender groups in the country, this includes major banks and private lenders. It also has its own in house lending facility. You get to shop free and know that you will get the best deal possible to fit your unique situation. Everyone has different circumstances and don't always fit the standard mortgage choices. That's why you should choose Taylor Made Mortgage.



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Deciding which mortgage makes sense can be difficult, I’m here to help.

1. An Open Mortgage

Open Mortgage

Allows you the flexibility to pay off some or the entire mortgage at any time, without penalty. Interest rates are usually higher and are tied to the Bank's Prime Rate.

2. A Fixed rate Mortgage

Fixed Rate Mortgage

Offers you the security of locking in your interest rate for the term of your mortgage so you know exactly how much principal and interest you will be paying on the mortgage during the term. Terms range from 6 months to 10 years. Fixed rate mortgages offer some form of pre-payment, from 10% to 25% of the original mortgage balance each year, depending on the lender. If you wish to pay off your mortgage in full there will be a penalty of either 3 months simple interest or an Interest Rate Differential (IRD). The benefit of this mortgage is the rate is lower than an open mortgage, making it a more popular option if you have no plans to pre-pay it in full during the term you select.

3. Variable Rate Mortgage

Variable Rate Mortgage

Allows you to take advantage of todays low Prime Rate. Most variable rate products are set below prime and terms range from 1 to 5 years. Payments vary depending on the product or lender you choose. In some cases you can fix your payments for up to 5 years but the interest rate will fluctuate as the Bank Prime Rate changes. In other cases your monthly payments will fluctuate depending on how many times the Prime Rate changes during your term.

4. Secured Line of Credit

Secured Line of Credit

This allows you to access the equity in your home whenever you choose. Rates are tied to prime, usually slightly above prime. Required payment on the balance is interest only which makes it a good choice where cash flow may be important. Lower interest rates compared to an unsecured line of credit. You may have a secured line of credit and a mortgage if you have good equity in your home.

5. 2nd Mortgage

Second Mortgage

Typically refers to a secured loan (or mortgage) that is subordinate to another loan against the same property.

6. Private Mortgage

Private Mortgage

In this instance you don't borrow from a bank, you borrow from another person or business.

7. Commercial Mortgage

Commercial Mortgage

Similar to a residential mortgage, except the collateral is a commercial building or other business real estate, not residential property. In addition, commercial mortgages are typically taken on by businesses instead of individual borrowers.