Mortgage Services Milton, Ontario

    • Purchase

    The right home for you should also come with the right mortgage that fits your lifestyle and future financial goals.

    We say “The best mortgage is the one that is paid off, with 100% equity in your name”.

    And getting the right mortgage is the beginning of that journey to help you build the equity while allowing you to live and enjoy the things you want to do.

    At Your Lifestyle Mortgage it is our goal is to put you in the driver seat through our P.A.C.E. process so you are well informed and can make sound decisions on the biggest loan of your personal life.

    Contact us now and find out how we can find you the best mortgage and rate option that is designed for you.

    Your Lifestyle - Your Mortgage - At Your P.A.C.E.

    • Refinance

    When you need to access cash that you simply do not have in hand refinancing may be the right option for you.

    It is generally a better way than having to draw from higher interest creditors, or in some cases filing a consumer proposal. Refinancing can be a way to help keep your credit intact, while having one manageable payment instead of many. And finally, it can alleviate your stress-level.

    Below are some of the needs we can help you address through refinance:

    • Debt consolidation
    • Equity Take Out (Even for those who are retired)
    • Renovations and home Upgrades
    • Children’s education fund
    • Help Pay off CRA arrears (for self employed clients)
    • Address any cashflow
    • Investments

    And more.

    Contact us now to find out how we can help you.

    • RENEWALS

    Congratulations on making it through your mortgage term…now it is time to find out if you truly have the best mortgage / rate option from your present lender

    Let us help you find out!

    Your lender may have already done so, or they will be sending a renewal letter stating that you should "Take advantage of their low rate offer before the rates rise, as well as avoid any mortgage renewal fees by doing so". The old carrot and stick approach that unfortunately gets many to sign the dotted line without a second thought.

    But is your lender putting their best foot forward to retain YOU, their valued client?

    If you sign and send that letter back, you will never know. But if you hold off, you may find out that their offer may not be the best of what is out there! A lender will not shop your mortgage for you. That would surely mean losing you to a competitor in many cases.

    If you wish to do it yourself, it would mean visiting each lender, submitting an application (which would affect your credit score), and then following up periodically to see if their program is still the best out there.

    Here is how we help simplify the process for you:

    • 6 Months from maturity date - Discuss your life / financial priorities to know what product will suit your needs best
    • 4 Months from maturity date - Place a rate-hold (wherever possible) to protect your application against any potential rate increase
    • 30 days from maturity date - Conduct a final review to ensure the rate-hold is still the best out there.

    That is how you prepare and get the best. Preparation is what gets the best results!

    Contact us now for a no obligation review of your mortgage.

    • COMmERCIAL

    Commercial Mortgage, Renovation Financing, Construction Financing With access to 15 commercial lenders we assist clients as well as our referral partners find the best commercial borrowing solutions.

    We have dedicated underwriters in our team, who only deal in commercial mortgages, which gives us an edge in helping you find the most suitable lender, as well as with a smooth and timely process.

    Contact us for any of the following needs.

    • Conventional first Mortgage
    • Commercial Property Equity financing
    • Unsecured Property Loan
    • Renovation Financing
    • Construction Financing

    Minimum loan amount: $50,000
    Maximum loan amount: $100,000,000
    Maximum amortization: 30 years
    Terms available: 1, 2, 3 and 5 years available
    Loan to Value: Up to 75%

    • INVESTMENT PROPERTIES

    Investment properties
    Investing in real estate can be one of the most rewarding and safe investment vehicles out there today.

    Whether you are looking at your first rental investment property or already have multiple properties, with our combined 50+ lenders as well as 15 commercial lenders we are sure to find you the best fit for your needs.

    Vacation Homes
    On top of Investment properties, we also help clients find loans for Vacation Homes.

    As the baby boomers age with grace, they have an abundance of capital, and with it an insatiable desire to invest in a waterfront, or recreational property. After all, they have worked hard for it. It is a solid investment enhancing their lifestyle.

    As independent Agents we can shop for the best fit for you.

    Contact us now to find out how we can assist.

    • DEBT CONSOLIDATION

    At Your Lifestyle Mortgage we understand that life happens, and sometimes it is just not possible to avoid piling up a high debt that simply seems impossible to bring under control.

    During these hard times, we are faced with 3 main options

    • Filing for Bankruptcy – where we do not have to pay anything, but we lose all access to credit, and in many cases our prized and valued possessions (including a home, car, etc)
    • Filing for Consumer Proposal – while a bit better than filing a bankruptcy, a consumer proposal will still halt our access to credit, reflect as a bankruptcy on the bureau while we settle on a repayment term.
    • Refinance - can be the most effective and least costly way out of the three options.

    A refinance will allow you to

    • Have one monthly payment
    • Keep your credit intact (for future needs)
    • Keep all your possessions
    • Pay a lower interest rate than what the creditors charge
    • Stop any collection calls
    • Pay off CRA arrears (if applicable)

    Contact us now to find out how we can assist.

    • REVERSE MORTGAGE

    As more and more Canadians age, and the cost of living keeps going up, it is sometimes hard to keep up with all the expenses and lifestyle while depending on only the pensions, or even the income we bring in.

    An Equity Release (or REVERSE) mortgage is a solution designed to assist those who are 55 years of age or older live a more comfortable life, whether they are working or not.

    This type of mortgage helps you access equity from your home, without having to worry about making monthly mortgage payments.

    Some of the key features of an Equity Release or Reverse Mortgage

    • Access to a dependable source of funds
    • No mortgage Payments during the term
    • Keep the home ownership in your name
    • Tax-free cashflow
    • Initial, single or recurring advances

    An Equity Release or Reverse Mortgage is not for everyone, contact us now for a free evaluation.

    • FIRST TIME BUYERS

    Purchasing a home is one of the most exciting experiences in life. That is especially true and more profound when it is your very first home. At YLM we have gone through that experience as buyers ourselves, and completely understand and anticipate the many questions and concerns you may have.

    That is why we came up with our New Purchase Overview and Checklist to help explain and guide you through the process, one step at a time.

    We know that mortgage rates are front and center on your mind, but your mortgage contract is more than simply just the rates.

    Consider an experience where you are explained in detail what the next steps in the process are, who will be involved to assist you along the way, and an open communication channel where each and every question or concern you have is addressed as we move along.

    That is what we do, take the time to understand, discuss and move forward together.

    Our commitment to you

    • Review all your supporting documents and credit beforehand
    • Help you find how much you can afford
    • Discuss options that would be available for you
    • Go over the entire process, including which professionals are involved and what the steps are
    • Provide guidance and answers to your questions when you have them

    That is the best way you can move forward with confidence, knowing you are getting the best that is available for you.

    • BUSINESS FOR SELF

    There are many benefits to being self-employed. You get to control your destiny, be your own boss, and keep more of the hard-earned money for yourself.
    However, when it comes to getting a mortgage, be it a new purchase, refinancing or renewing a present mortgage, many find that even the lenders that they have dealt with for years may be turning down the application.

    Often it is simply because what we earn in real life does not reflect our income on paper.

    There are expenses, write-offs and costs legitimately allowed by the Government that end up showing our net income much lower than what we may be taking home.

    But there are lenders out there who have programs designed for self employed people.

    If you lack the necessary paperwork required by the institutional lender to help qualify for your mortgage, we can help.

    Contact us now to find out how we can help!

    • NO MONEY DOWN MORTGAGE

    If you are one of the many who are aspiring to become a home-owner, but do not have any money of your own to put as a down payment, we can help.

    While the rules dictate that a borrower must have at least 5% as a down payment, we can assist.

    If you have an excellent credit rating and stable employment, then there are ways to help you realize your home-ownership dream.

    Contact us now to find out how we can help!