At Agility Mortgages, we offer unbiased mortgage financing advice and customized solutions tailored to each borrower's unique needs and circumstances. We work for you, not the banks, and our services are typically free of charge!
Mortgage brokers are compensated by the lender based on the mortgage amount, ensuring our services remain free for you. In cases of subprime and private lending, where credit issues or unverifiable income are involved, there may be a fee depending on the lender chosen. Rest assured, there are no hidden fees. We prioritize full transparency and disclosure throughout the process. Schedule your complimentary consultation today!
With a fixed-rate mortgage, you can take comfort knowing your mortgage payments and interest rate will always be the same over the term of your mortgage. Choosing a fixed-rate mortgage allows you to lock in your interest rate and protects from rate increases.
With a variable-rate mortgage, your payments and interest rate will fluctuate based on the Agility Mortgages prime rate. A variable-rate mortgage is attractive if rates decline, which may help you save over the term of your mortgage. However, if the prime rate increases, so will your rate and payments.
Qualification depends on factors like income, credit score, employment history, and debt-to-income ratio. Our advisors can assess your eligibility and guide you through the process.
Typically, proof of income, identification, proof of down payment, and credit history are required. Specific documents may vary based on your financial situation and the type of mortgage.
Refinancing can lower monthly payments, reduce interest rates, access equity for renovations or debt consolidation, or change the loan term to better fit financial goals.
A bridge loan provides short-term financing to cover the gap between buying a new property and selling an existing one. It helps with immediate funding needs during transitions.
Mortgage brokers offer access to multiple lenders, negotiate competitive rates, provide personalized advice, and streamline the mortgage application process at no additional cost to the borrower.
The New to Canada Program assists newcomers in purchasing their first home in Canada. It is available to permanent residents, non-permanent residents, and international students with valid permits.
Business loans can finance startup costs, expansion projects, equipment purchases, inventory management, and cash flow management, supporting growth and sustainability.
Improve credit score, maintain stable employment, reduce existing debt, save for a larger down payment, and ensure all required documents are in order to enhance approval prospects.
A variable-rate mortgage may offer lower initial interest rates, which can result in lower monthly payments if interest rates decrease. It also allows borrowers to potentially benefit from market rate fluctuations over time.