Mortgage Services
Home Purchase & Mortgage Pre-Approval
Whether you are yet to begin your home search, or have already found the home of your dreams, Brendan Eby is there for you at every step.
Mortgage pre-approval is an important first step in finding the home of your dreams, and can provide some valuable insight into what is affordable. If you’ve already found the home you are looking for, Brendan will help you explore all of the mortgage options and rates available to you.
With a wide range of banks and lenders at Brendans disposal, he is able to find the best rates and mortgage options to help keep your monthly payments as low as possible. Are you self-employed or new to Canada? Hope is not lost - Brendan can help you navigate the mortgage industry and secure the best rate possible no matter your financial situation.
Mortgage Renewals & Switching your Mortgage
Banks have made it easy to simply sign a mortgage renewal without thinking twice about the financial impact.
With so many banks and lenders available to the public today, mortgage options and rates are plenty.
At renewal time Brendan carefully evaluates your financial situation and goals to ensure you receive the best mortgage for your situation, and with such a large potential financial impact, it’s worth having expert advice.
All of this is done at no cost to you.
Home Refinance
Refinancing your mortgage is a great way to obtain a lower interest rate, change your mortgage term or type, consolidate debts, or even pull out equity.
Refinancing a mortgage is paying off an existing loan and replacing it with a new loan, but there may be significant penalties and costs associated with this.
When thinking about refinancing Brendan will evaluate your current mortgage, financial situation, and ultimate goal to determine if this is the best step and option for you, and what the costs may be.
Every step of the way, Brendan will ensure that you know what options are available, and what makes the most sense for your family financially.
Debt Consolidation
Consolidating high interest debts from loans & credit cards into your mortgage can be a great way to streamline payments and obtain a more favourable rate.
As a homeowner your greatest asset is your equity, and this can be used to your advantage when unforeseen costs arise.
Through debt consolidation, Brendan helps clients save money every day, and can always offer more rates and mortgage options than the big banks.
Emergency Loans
When working with Brendan, you can be confident that you are making the right financial decisions and are getting the right financial advice.
Brendan brings the knowledge and expertise of a seasoned mortgage professional coupled with a wide variety of lenders to give you easy access to low-interest loans in a short timeline.
Whether you are looking for business loans, want to undertake renovations or home improvements, need a loan to help with education costs, or are simply struggling to manage unexpected expenses, Brendan and his available lenders offer Canada’s best loan and prepayment options.
Cash-Out Refinance
Looking to convert home equity into cash? Cash-out refinances were created for these situations.
This works by replacing your existing mortgage with a new mortgage at a higher value than the existing balance.
The difference is paid out in cash and in many cases, like regular refinancing, you may be able to take advantage of lower interest rates or better mortgage options.
As your mortgage agent, Brendan will recommend the correct solution for your financial goals.