Services

Home Refinance

Mortgages generally qualify as good debt. They are usually available at the lowest possible rates, they represent a good investment in a (generally) appreciating asset, and they make home ownership possible. Bad debt saddles you with high interest rates - often on depreciating assets. High credit card debt is one of the worst, and afflicts most Canadians at some point in their financial lives. But if you have equity in your home, then you have an opportunity to turn bad debt to good debt - by refinancing and rolling high-interest debt into your mortgage for big interest savings. One of our mortgage experts can talk to you about refinancing at any time.

If you'd like to have a conversation about refinancing your debt... contact one of our experts today.

Property Investment

Investment properties - particularly smaller, residential real estate - are now accessible to many average Canadians. And as any homeowner will confirm, real estate has been one of the most attractive investment categories in Canada for the past decade.

If you're considering an investment in real estate, start by having a conversation with an experienced mortgage expert, to explore some of the innovative new options and great rates available today. Contact one of our experts today.

Zero Money Down

Great income, great prospects, but not-so-great saving

Contact one of our experts today.

Vacation or Second Homes

Spend quality time in your vacation property

More Canadians than ever before are now spending quality time in their own vacation property. Cottages and chalets are now providing family memories for many average Canadians, who are taking advantage of the great low rates, and the innovative new mortgages that put these getaway homes within reach! Contact one of our experts today.

Mortgages for the Self-Employed

Small and medium-sized businesses are the engine of the Canadian economy.

Entrepreneurship should be rewarded! But when it comes to mortgages, it hasn't always paid to be self-employed - because reducing your taxable income can make it difficult to qualify for the mortgage you deserve.

At Free Hold Mortgages Inc., we have access to a range of innovative mortgage options for self-employed Canadians. Contact one of our experts today.

Interest Only

Think that you should be the one to decide how your money is spent?

You're not alone. Sometimes, it makes good financial sense to keep your mortgage payments as low as possible to free up funds for investment or other uses. The good news is that several innovative lenders have introduced "interest-only" mortgages, so you can decide where your money goes. Contact one of our experts today.

Credit Repair Services

Manage all of your debts.

Often a new mortgage may be the best way to manage all of your debts. Moving your high-interest debt into a lower-rate mortgage is a great way to save on your overall interest costs, improve your cash flow, and begin the process of improving your credit rating. It's great news that the right mortgage can help establish your reputation for credit-worthiness. Contact one of our experts today.

Home Equity

Manage all of your debts.

Whether you want to refinance your existing mortgage or make use of your Home Equity for any purpose that you desire, the decision to refinance requires proper planning and consideration of several factors.

A well qualified mortgage professional can be of great help to secure the best deal for you when you plan on refinancing. With several years of experience in the industry, I can assist you in getting the maximum out of your decision to refinance. From consolidating several debts into one, to lowering monthly payments and getting ready cash-in-hand, refinancing was never this easy!

Just fill in this simple online form with your details and click submit, and I will get back to you with a refinance solution that best suits your needs.

Home Purchase

Looking for your first or next home?

It's wise to begin by talking with a mortgage expert to understand how much mortgage you can manage, and to explore both traditional and innovative mortgage options. You're about to take a big step so you will want some advice from the experts. We have access to mortgage rates and features that can help you achieve your homebuying dreams. Our best advice? Contact one of our experts today.

Mortgage Renewals

Coming up to renewal time?

Free Hold Mortgages Inc. Broker’s are independently trained professionals licensed to represent and provide you with the best advice for your mortgage and financing needs.

Congratulations on your maturing mortgage. Now's a great time to look at the many innovative options and competitive rates available. The mortgage environment is always changing - if you're in the last year of your mortgage, it's not too early to talk to a mortgage planner about what the next few months will bring. Want a fresh mortgage blueprint to map out your financial future? Contact one of our experts today.

Mortgages for the Self-Employed

Small and medium-sized businesses are the engine of the Canadian economy.

Entrepreneurship should be rewarded! But when it comes to mortgages, it hasn't always paid to be self-employed - because reducing your taxable income can make it difficult to qualify for the mortgage you deserve.

At Free Hold Mortgages Inc., we have access to a range of innovative mortgage options for self-employed Canadians. Contact one of our experts today.

Debt Consolidation

A debt consolidation loan is a single loan (generally from a financial institution) that allows you to repay your debts to several or all of your creditors at once. You are then left with only one outstanding loan — to the financial institution. In addition to streamlining your debts into a single payment, a debt consolidation loan may also offer you an interest rate that is lower than that charged by your creditors saving you money in interest charges. This option can be especially attractive if you have outstanding debts at a relatively high rate of interest (for example, those charged on some retail store cards or credit cards). We can arrange for a loan equal to the amount of your total outstanding debts that are currently due. In most cases, we will settle all the debts for you and, in return, the only monthly payment you will have to make will be to them.

Eligible debts

This option may be suitable for debts such as those relating to credit cards, public utilities or other consumer loans. However, not all debts can be combined into a consolidation loan — a mortgage cannot be included, for example.

Who qualifies?

In order to qualify for a consolidation loan, a consumer usually needs to have an acceptable credit rating and sufficient income to demonstrate that they will be able to manage the loan (that is to say, to demonstrate they will be able to make the monthly consolidation payment, in addition to paying for their regular monthly bills and expenses)