Down Payment
A minimum of 5% of the purchase price saved up or gifted from an approved donor, for a down payment is acceptable. Purchasers who have sufficient income and good credit may qualify with less down but rates are adjusted. Our comprehensive pre-approval process can indicate which of these plans you qualify for and the pro’s and con’s of each.

Self Employed Programs
Many excellent mortgage programs are specifically available for self-employed and commissioned individuals, that allow for high-ratio financing based on the applicants declared income. These programs recognize that the self-employed income reported on the tax return may not always be a true reflection of personal income due to the many deductions that are available to a self-employed individual.

For clients with an established business, with good credit, financing up to 90% of the purchase price is available based on declared income. There are additional programs available for clients not meeting the strictest qualifications with competitive rates and financing up to 95% and advances up to 90%

Options available for purchase at or under 75% continue to remain plentiful, and the expertise of our office should certainly assist our clients with obtaining the best possible terms. If you are self employed or commissioned, then let us assist you by providing a detailed assessment of available financing options.

Credit Impaired
Life can always throw a curve at us, and credit ratings are sometimes the least of our worries. As an individual it is almost impossible to gain access to the lender's employees who actually make the approval decision. Most banks will simply take an application and forward it on to their "mortgage department" At Entrust Mortgage we not only take the time to understand your situation but we also work directly with the individual person who actually makes the approval decision. Whether an isolated incident or a full bankruptcy, these close relationships with the lenders are instrumental in explaining why an approval should be granted even though there have been some past credit problems. If you have had some credit problems in the past, then call us today.

Investment Properties
Whether you require financing on multi-unit residential , commercial, institutional or industrial, our team is the place to be. We are experienced in virtually all types of covenants - from CMHC multi-unit residential to private placement on a recreational/commercial venture. If your transaction is a "makesense" business proposal with reasonable cash flow, then we will attempt to match your needs with the best of the many niche lenders available to us.

Recreation Properties
You've reached a point in your life where you want a recreational property and you can afford the payments. Until now, mortgages for vacation properties just weren't easily available in Canada. Now, for the first time in Canada, fast and easy recreational property mortgages with as little as 5% down are available. Call today and see how easy it is - the intelligent way to get a recreational mortgage.