Turning Your Homeownership Dreams into Reality

What we do

Buying or refinancing your home is one of the most significant investments of your life. As a long-term financial asset, it requires more than just securing the lowest mortgage rate. Our priority is crafting a mortgage solution tailored to your unique needs, with the best terms to support your goals.

First time buyers

Congratulations on taking the exciting step toward homeownership! Buying your first home is one of life’s biggest milestones, and at Strategy Mortgage Group, we’re here to make sure you feel confident and informed every step of the way.

Experience the joy of saving big with our exceptional rates and exclusive access to top-tier mortgage products—right from the start!

As a first-time buyer, you’ll have a dedicated mortgage broker to guide you through the process. With expert advice and tailored options, we’ll ensure you’re making the best decisions for your future.

At Strategy Mortgage, we simplify the financial side of homeownership. Our experienced agents provide clear guidance, exceptional service, and access to exclusive mortgage rates across Canada.

Let us take care of financing your dream property—so you can focus on turning it into your home.

Mortgage Renewal? Let’s Save You Money!

If there’s an opportunity to save money with your mortgage renewal, we’ll find it!

At Strategy Mortgage Group, it’s never too early to review your mortgage needs. We can hold rates for up to 120 days, giving you plenty of time to assess your options and ensure you have the right mortgage product.

Our experienced brokers simplify the process, helping you decide if renewing your current mortgage is the best choice—or if refinancing might better suit your needs. Refinancing upon renewal could unlock benefits like:

  • Accessing Home Equity: Use your home’s value to fund renovations or invest in property.
  • Adjusting Your Amortization: Extend your payment timeline to ease financial pressures.

With access to a wide network of institutional and private lenders, we present a range of tailored options to meet your unique needs.

Whether you’re renewing a home or commercial mortgage, you can trust Strategy Mortgage Group to work closely with you and find the best solution for you and your family.

New to Canada? We’re Here to Help

Buying your first home in Canada is an exciting step, but we understand it can feel overwhelming. That’s why we’re here to guide you through every stage of the process with patience and care. Even if you’re new to building credit or have just 5% for a down payment, we’ll do everything we can to help you achieve your dream of owning a home.

Who We Help

Whether you’re a permanent resident or here on a work visa, we’re ready to support you.

How We Support You

  • We’ll explain every step of the home-buying process clearly and thoroughly.
  • We’ll connect you with trusted professionals, including realtors, lawyers, and home inspectors.
  • We’ll offer expert advice to make your journey as smooth as possible.

Debt Consolidation: A Simple Way to Save

Managing multiple high-interest debts can be overwhelming and costly. Debt consolidation helps by
combining all your debts into one easy monthly payment, often with a lower interest rate. This can simplify
your finances, lower your payments, and help you pay off your debt faster.
At Strategy Mortgage Group, we can help you use your home equity to consolidate debts like:

  • Credit card balances
  • Personal loans
  • Car loans
  • Other high-interest debts

By consolidating through your mortgage, you could save thousands in interest and free up more of your income for other financial goals. Benefits of Debt Consolidation

  • Lower Interest Rates: Replace expensive debt with a more affordable solution.
  • Simplified Payments: Focus on one monthly payment instead of managing multiple bills.
  • Improved Cash Flow: Ease financial stress with reduced monthly payments.

Let our team of mortgage specialists help you find the best debt consolidation plan for your needs. Take control of your debt and start saving today-contact us to get started!

Refinancing Made Simple

As you pay down your mortgage, you build equity in your home. This growing equity can be a valuable resource, allowing you to borrow against it when needed.

Refinancing your mortgage can be a smart financial move for many reasons. You might also want to:

  • Switch from a variable-rate mortgage to a fixed rate for more stable payments.
  • Qualify for a better mortgage with improved terms after boosting your credit score.
  • Access your home’s equity for renovations, investments, education costs, or consolidating high-interest debt.

Using your home equity can be a cost-effective way to access funds, especially if your current mortgage has favorable terms. However, it’s important to understand both the benefits and potential risks of refinancing.

Speak with a licensed mortgage professional and financial planner to explore your options and ensure refinancing aligns with your financial goals.

Second Mortgage

A second mortgage can be a helpful solution for many reasons, including:

  • Covering unexpected expenses
  • Funding home improvements or renovations
  • Paying off high-interest debt
  • Financing the full purchase of a property

 

At Strategy Mortgage Group, we’ve helped thousands of homeowners access second mortgage loans. By leveraging your home equity, we can help you fund major projects or manage large, unexpected costs.

With our strong network of private and institutional lenders, we specialize in securing competitive rates and finding the best mortgage products tailored to your unique needs. Let us help you make the most of your home equity.

Reverse Mortgage: A Flexible Solution for Retired Canadians

If you’re retired with debt, facing lower-than-expected investment returns, or need extra cash flow to manage rising costs, a Reverse Mortgage could be the right choice for you. This solution helps you manage everyday expenses, pay off debt, or even enjoy more freedom, such as traveling or buying a second home. The Reverse Mortgage is designed for Canadians aged 55 and older and offers a flexible way to access the equity in your home.

There are four main reasons people use a Reverse Mortgage:

  1. Alleviate Debt Stress
    If you’re struggling with mortgage payments, credit card bills, or accumulating debt due to unavoidable expenses, a Reverse Mortgage can help ease your financial burden without tapping into your savings or investments.
  2. Enjoy Retirement
    If you want to make the most of your retirement but need more funds to do so, a Reverse Mortgage can increase your cash flow and help you live the retirement lifestyle you’ve always dreamed of.
  3. Maintain Your Standard of Living
    If you need extra funds to maintain your pre-retirement lifestyle but don’t have the income you once did, a Reverse Mortgage can help you keep the lifestyle you’re accustomed to.
  4. Cover Unplanned Expenses
    If you face unexpected costs like home repairs, retrofitting for mobility, or in-home care, a Reverse Mortgage can provide the quick cash you need to manage these short-term financial strains.

If any of these situations apply to you, the Reverse Mortgage could be the solution you need. Contact us today to learn more!

Investment Property Purchase

Are you considering buying an income property or turning your current home into a rental? The down payment you’ll need depends on how you approach it. Here’s how it works:

  • Purchasing a Rental Property: If you’re buying a new property specifically for rental purposes, you’ll need a minimum of 20% down.
  • Buying a New Home and Renting Out Your First Home: If you buy a new primary residence and rent out your current home, you’ll only need 5% down for your new home purchase.

Using Rental Income to Qualify for Your Mortgage

If you decide to rent out your first home, we can help you use the rental income to qualify for your new mortgage. We’ll arrange for an appraiser to complete a market rent report, which estimates rental income based on similar properties in your area. If you’re buying a property with a legal rental suite, this rental income can also be factored in to help you qualify for a larger mortgage.

Buying a Vacation Property

If you’re purchasing a second home for personal use as a vacation property, you’ll only need 5% down. If you plan to rent it out, different requirements will apply.

Building Equity in Multiple Properties

Owning more than one property can be a smart way to build wealth and secure your financial future. If you’re thinking about owning multiple homes, talk to one of our mortgage strategists to explore your options. Our team is here to answer any questions and help you determine if multi-home ownership is right for you.

Equity Financing: Unlock the Value in Your Home

Equity financing allows you to leverage the equity you’ve built in your home to access funds for significant expenses or financial goals. By tapping into the value of your property, you can secure financing at a lower interest rate compared to other forms of borrowing.

How Can You Use Equity Financing? Equity financing can help fund a variety of needs, such as:

  • Home Renovations: Upgrade or expand your home.
  • Investments: Fund a business or other investment opportunities.
  • Education Costs: Pay for tuition or other education-related expenses.
  • Debt Consolidation: Combine high-interest debts into one manageable payment.
  • Major Purchases: Buy a vehicle or other big-ticket items. 

Why Choose Equity Financing?

  • Lower Interest Rates: Take advantage of rates lower than credit cards or personal loans.
  • Flexible Use: Use the funds for almost any purpose that fits your goals.
  • Tax Benefits: In some cases, interest on equity financing may be tax-deductible (consult your tax advisor).

At Strategy Mortgage Group, we specialize in helping homeowners unlock the potential of their home equity. Our team will guide you through the process and find the best solution tailored to your needs.

Take the next step toward achieving your financial goals-contact us today to explore your equity financing options!

Commercial Lending

CMHC MLI Select, Multi-family housing, Commercial/ Industrial real estate, mixed-use properties, and land development are just a few of the projects we offer solutions for. Strategy Mortgage Group has the resources and expertise to make your vision a reality. Whether you’re a small business owner seeking to invest in a new commercial property or a developer looking to break ground on a major building project, you can trust us to help you achieve your commercial goals. We’ve got a proven track record of successfully funding multi-million dollar transactions, nationwide. Let us help you get started on your next venture today.

Privacy Policy

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