Homebuyers who have immigrated or relocated to Canada within the last 5 years are eligible under to purchase a property with as little as a 5% down payment. Toni’s Mortgage Team understands that you and your family have unique needs. As such, we offer special mortgage programs designed for Newcomers to Canada. Eligible Properties for […]

We offer refinances or home equity Lines of Credit, at preferred rates, up to 80% of your property’s value on your residential, second homes or rentals. This means that if you own a home worth approximately $400,000, you should be able to access $320,000 of the equity.  If you currently still owe $200,000 on your home, […]

Don’t just sign on the dotted line at your bank when it comes time for your renewal – know all your options! What is a Mortgage Renewal? When you get a mortgage with a lender in Canada, your mortgage contract locks you into certain terms over a period of time. Your mortgage “term” can range […]

How Everyday Buyers Are Turning Their First Home Into Their First Investment Investing in Ontario Real Estate? Partner with Toni Mortgages for Strategic Financing Solutions. Navigating the Ontario real estate market can be challenging. At Toni Mortgages, we’ve walked in your shoes, owning multiple properties and understanding the intricacies of investment financing. Let’s explore how […]

 While they are less common, no down payment mortgages are possible in Canada, and our team is here to guide you through the process! Can You Get a Mortgage With No Downpayment? Buying real estate in Canada typically requires a down payment, which can be challenging for many people. However, it’s possible to purchase a […]

Wouldn’t it be nice if you had the money to do more of the things you want to do? A Reverse Mortgage could be just what you need. It’s the simple and sensible way to unlock the value in your home and turn it into cash to help you enjoy life on your terms. Life […]

In many cases, when a client’s marriage or common-law partnership is dissolved, the splitting of assets, debt and Real Property can be difficult to navigate. It’s important that as the separation agreement is negotiated, both parties spend time learning what is available to them for mortgage financing. Often, one spouse wants to purchase the other’s equity in the Marital […]

As you enter retirement, financial stability may be top of mind. Whether you’re looking to cover unexpected expenses, help family members, or simply enhance your lifestyle, having access to additional income can make a difference. For Canadian homeowners aged 55 and better, the CHIP Reverse Mortgage by HomeEquity Bank provides a smart, flexible way to […]

First-Time Homebuyer Benefits. Buying your first home is a significant milestone! While you’re thinking about your affordability and what type of home you want to own, we have some exciting updates around first-time homebuyer benefits: New or Pre-Construction Homes: Did you know? First-time buyers looking to purchase a new build or pre-construction home are eligible […]

Pre-Approval vs. Pre-Qualification: What’s the Difference? When starting the home-buying journey, you’ll often hear the terms pre-qualification and pre-approval. While both are essential steps in securing a mortgage, they are not the same. Understanding the differences between them can help you better prepare for your home purchase and strengthen your position as a buyer. What […]