What each service covers
Most mortgage questions come down to one of six situations. Each one has its own page with the detail, the documents lenders ask for, and the parts people usually get caught by.
Home purchase mortgages
Pre-approval, rate holds up to 120 days, and financing for first-time and repeat buyers.
First-time home buyer mortgages
Down payment sources, the FHSA and RRSP Home Buyers' Plan, and Ontario land transfer tax rebates.
Mortgage refinancing
Access up to 80% of your home's value to consolidate debt, renovate, or fund a second property.
Mortgage renewals
Compare your lender's renewal offer against the wider market, starting about 120 days out.
Self-employed mortgages
Business-for-self programs that read notices of assessment, T1 Generals and business financials.
Investment property mortgages
Rental income qualification, 20% down structures and planning for the next property.
How the process runs
1. Connect
Submit the online application, then a short call about your goals, timeline and budget.
2. Documents
Income, debts and down payment reviewed together in one secure batch.
3. Submission
Your file goes to the lenders whose guidelines actually match your situation.
4. Conditions
Commitment signed, appraisal ordered, conditions cleared well before closing.
5. Funding
Your lawyer closes, and we stay in touch for renewals and annual reviews.
Where these services are available
Vincent is based in Mississauga and works with clients across the Greater Toronto Area - Toronto, Brampton, Oakville, Milton, Vaughan and Burlington - and elsewhere in Ontario. There are no branch offices; files run by phone, email and secure document upload.
Before you commit to a price or a renewal date, run the numbers first. The mortgage calculators give you a realistic payment and pre-approval range using the same debt service ratios and stress test a lender applies.
Next step
The online application takes about five minutes. Once it is in, we book a short call to go over your goals, your timeline and the options that actually fit.