Get The Mortgage
You Need
When banks say NO, we say YES!
Unlock the Doors to Your Dreams
Don’t let the barriers of financing hold you back any longer. Our tailored mortgage solutions are designed to empower your aspirations, whether it’s your first home, a property investment, or a refinancing endeavor. With a commitment to personalized service, competitive rates, and seamless processes, we’re here to make your mortgage journey smoother than ever. Your future starts now – take the decisive step towards your goals with the mortgage that’s perfectly suited for you.
We speak Portuguese
a mortgage broker offers several advantages
Why use a Mortgage broker?
Privacy, Confidentiality and Personalized Guidance
I will work closely with you to understand your financial situation and goals. I’m able to provide personalized advice and recommend mortgage products that align with your needs, helping you make informed decisions. It will reduce the stress associated with the mortgage process.
Access to Multiple Lenders
I have access to more than 50 lenders and a deep understanding of the mortgage market, including the various types of mortgages available, interest rates, and lender policies. It will save your time and money.
Cost Savings
I have access to mortgage rates and deals that are not publicly advertised. This can result in potential cost savings over the life of your mortgage.
Negotiation Skills
I’m skilled to negotiate on your behalf to secure favourable terms, including interest rates and repayment options. Our experience in dealing with lenders can be a valuable asset in getting the best possible deal. Mortgage applications are complex and time consuming.
Credit Advice
I’m able to help you to improve your credit score and financial health, which can lead to better mortgage options and rates.
Continuous Support
My assistance doesn't end at closing. I provide ongoing support and advice throughout the life of your mortgage.
Services
These are just a few of the scenarios why working with a mortgage broker is your best choice.
Refinance
It is when a new mortgage is set to replace your old mortgage. This new mortgage will have another principal amount, interest rate, term and conditions. The new lender pays off the old mortgage and you will have just this one new mortgage; usually one with better conditions than your previous one depending on the reason for the refinance.
1st and 2nd Mortgage
1st mortgage: This is the primary mortgage loan obtained for a property. The lender who funded it registers a primary lien on the property. While a first mortgage is in progress, a home owner is allowed to take out a 2nd mortgage. 2nd mortgage: This is the money borrowed against the home equity to fund other projects or to consolidate debts among other needs.
Home Equity Loan
This is different from a home equity line of credit ( HELOC ). With a home equity loan, you're given a one-time lump sum payment. This can be up to 80% of your home's value. You pay interest on the entire amount. The loan isn't revolving credit. You must repay fixed amounts on a fixed term and schedule. Your payments cover principal and interest.
HELOC
A home equity line of credit (HELOC) is a secured form of credit. The lender uses your home as a guarantee that you will pay back the money you borrow. HELOCs are revolving credit. You can borrow money, pay it back, and borrow it again, up to a maximum credit limit.
Debit Consolidation
It is a debt management strategy that combines a new single loan to pay off multiple debts. The benefits of debt consolidation include a potentially lower interest rate and lower monthly payments.
Reverse Mortgage
A reverse mortgage is a loan that allows you to get money from your home equity without having to sell your home. You pay back your loan when you move out of your home, sell it or the last borrower dies. You don’t need to make any payments on a reverse mortgage until the loan is due.
Hi, I'm Beto
I will support you throughout the mortgage application process. As an experienced mortgage broker, I will help you to find the best mortgage for your profile.
While banks say no, we say yes!
We have access to approximately 50 lenders across Ontario, which allows me to have several options available.
Beto Luqueci Thomaz
Mortgage Agent Level 2/ M19001201
Mortgage Architects| FSRA#12728
Our Trusted Lenders
Application
Apply now online so that we can get to know you better.
Analysis
We will find you the best mortgage option.
Celebrate
Congratulations! With everything right, just celebrate
What Our Customers Are Saying.
we’re here to clarify all
your questions
Find out below the answers to some of our more frequently asked questions.
A conventional mortgage is usually one where the down payment is equal to 20% or more of the purchase price, or a loan to value of less than 80%, and that does not normally require mortgage loan insurance.
Yes, however, I must qualify you. If you have less than 20% from the purchase price as a downpayment, you still may qualify to buy a home with 5% por cent of downpayment as Canada Mortgage and Housing Corporation and other mortgage insurers are available to cover the purchase price of a home, but some rules apply.
Fixed: The interest rare remains the same during the entire mortgage term.
Variable or Adjustable: The interest rate can change during the mortgage term.
Contact Me
Click the button below to send us a message and we will sing for you as soon as possible
Do you want to get updates about what’s next?
Follow Us
5675 Whittle Road, Mississauga, ON L4Z 3P8, Canada
(416) 919-3281 | [email protected]
by GVSOL