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Purchase & Refinance

What is a home mortgage loan?


A home mortgage is a loan you take to buy or refinance a house. The interest rate and term of the loan reflect vary depending on the market, your choices, and your circumstances. If you're not sure and need the right guidance, please contact us. Ready to apply? Go to this page and send us your information.




Who provides residential mortgage loans?


LendX Financial in Brampton provides complete assistance to get you residential mortgage loans from major financial institutions in Canada. Ready to apply? Go to this page and send us your information.




What’s the lowest deposit for mortgage?


The deposit required for a mortgage depends on a range of factors. Typically it's 10-15% of the mortgage amount, however there are options where you can buy a property with as low as 5% down. There also exists Canada's First-Time Home Buyer Incentive Program by Canadian government where the government help the borrower with an additional 5% deposit. Contact us to discuss your case. Ready to apply? Go to this page and send us your information.




What qualifies as a second home for mortgage loan?


The second home could be an additional place which you would have bought for living. Note that if you plan to rent it, it should have been rented for less than 6 months. Again, this could be complex, please contact us to discuss your case. Ready to apply? Go to this page and send us your information




How do I refinance?


We assist you to refinancing your property with many different options like 2nd mortgage for people with bad credit scores or non-traditional income. Please contact us for details. Ready to apply? Go to this page and send us your information.




How do I refinance a debt consolidation loan?


If you need a debt consolidation mortgage that can pay off several debts, we encourage you to contact us so we can discuss your case. Need More Details? https://www.lendxfinancial.ca/service/Debt-Consolidation Ready to apply? Go to this page and send us your information.




How do I refinance an equity takeout loan?


If you need a equity takeout mortgage that you can use for house renovation, investment, fund a life event, or any other purpose; we encourage you to contact us so we can discuss your case.

Need More Details?

https://www.lendxfinancial.ca/service/Equity-Takeout-Mortgage

Ready to apply? Go to this page and send us your information.





Commercial

How do you qualify for a commercial mortgage?


Typically, you'd require details such as bank statements, tax returns of previous years, assets and liabilities statements, and more. There is a range of criteria that you'd require to meet. Get in touch to discuss. Ready to apply? Go to this page and send us your information.




Can you get a 30 year mortgage on commercial property?


Unlike residential loans, the terms of commercial loans typically range from five years (or less) to 20 years. Ready to apply? Go to this page and send us your information.




Are commercial mortgage rates higher than residential?


Commercial mortgage rates are indeed slightly higher than residential mortgage rates - typically between 0.25% to 0.75% higher. Ready to apply? Go to this page and send us your information.





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Lauren Carrington Smyth

Managing Partner

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