Frequently Asked Questions

What types of mortgages do you offer?

We provide residential, commercial, private lending, and reverse mortgage solutions tailored to your financial goals.

How do I apply for a mortgage?

You can apply securely online using our Newton Velocity-powered application form. It’s fast, paperless, and easy to use.

Do you work with first-time homebuyers?

Absolutely! We specialize in helping first-time buyers navigate the mortgage process with confidence and clarity.

Can I get a mortgage if I’m self-employed or have non-traditional income?

Yes. We offer private lending options and flexible solutions for self-employed clients, freelancers, and those with unique income sources.

What is a reverse mortgage, and who qualifies?

A reverse mortgage allows homeowners aged 55+ to access home equity without selling their home. It’s a great option for retirees looking for tax-free cash flow.

What’s the difference between refinancing and renewing a mortgage?

Renewing means continuing your mortgage with a new term when your current one ends. Refinancing involves replacing your mortgage with a new one — often to access equity, lower your rate, or consolidate debt.

What are today’s mortgage rates?

Rates vary daily and depend on your credit profile, property type, and lender. We monitor the market and match you with the best available options.

Is my personal information secure?

Yes. We use encrypted systems including Newton’s Velocity platform to protect your data. We comply with FSRA and Canadian privacy laws.

How can I contact you?

You can reach us by phone, email, or through our contact form.