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Interest Rate Lenders Terms Prepayment options Monthly payment
Lump Sum Regular
2.69% Lender 1 5-year fixed 20% 20% $1,599 Check Your Rate
3.04% Lender 2 3-year fixed 20% 20% $1,661 Check Your Rate
2.30% Lender 3 5-year fixed 20% 20% $1,531 Check Your Rate
2.95% Lender 4 3-year fixed 15% 15% $1,645 Check Your Rate
3.49% Lender 5 10-year fixed 10% 10% $1,743 Check Your Rate
Interest Rate 2.69%
Lenders Lender 1
Terms 5-year fixed
Prepayment options (Lump Sum) 20%
Prepayment options (Regular) 20%
Monthly payment $1,599
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Interest Rate 3.04%
Lenders Lender 2
Terms 3-year fixed
Prepayment options (Lump Sum) 20%
Prepayment options (Regular) 20%
Monthly payment $1,661
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Interest Rate 2.30%
Lenders Lender 3
Terms 5-year fixed
Prepayment options (Lump Sum) 20%
Prepayment options (Regular) 20%
Monthly payment $1,531
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Interest Rate 2.95%
Lenders Lender 4
Terms 3-year fixed
Prepayment options (Lump Sum) 15%
Prepayment options (Regular) 15%
Monthly payment $1,645
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Interest Rate 3.49%
Lenders Lender 5
Terms 10-year fixed
Prepayment options (Lump Sum) 10%
Prepayment options (Regular) 10%
Monthly payment $1,743
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The information in the table above is just a factious representation of the choices you may have available once you fill out the form a the top on the page. The actual rates may differ. The Monthly Payments represented above are calculated assuming a property value of $400,000 and a downpayment of 15%.
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Once you select the loan option you’d like to go with, the lender will contact you to give you the money.
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Mortgage Brokers in Canada

A mortgage loan is the loan that you can use to purchase a home in Canada. The borrowed amount has to be paid back to the mortgage loan lender with interest within a predetermined time known as the amortization period. Clients who used Loans Geeks to secure their mortgage loans in Canada, typically have about 25 years to pay back their mortgages. The total amortization period is broken down into different mortgage terms having a fixed interest rate. It can range anywhere between 6 months to 10 years, but in Canada, a 5-year term is the most common. After each mortgage term ends, the mortgage has to be renewed for another term, and the interest rates may or may not be changed. This goes on till the mortgage is entirely paid off.

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Ask about our low rate mortgages

Check Your Rate

There are many lucrative mortgages offers in the Canadian market for first time home buyers. When you apply for a mortgage loan through Loans Geeks, we will match you with some of the best mortgage offers available for your particular situation.

If you apply for a mortgage loan in Canada via Loans Geeks, typically it will take 2-3 business days to get the reply about the status of your application, although this time might slightly vary from one mortgage loan lender to another.

Some mortgages in Canada are ported, and the remaining term can be taken to the new property. But, you will be required to get your credit score, and affordability rechecked in case the new house is worth significantly more or less than the one you currently have a mortgage for.

Most mortgage lenders in Canada allow their borrowers to pay anywhere from 10% to 20% of the original principal amount in each calendar year without inviting penalty. Since different lenders have different ways of implementing the prepayment terms, it is best to read the fine prints even before you secure the mortgage.

If you have poor credit history, it might be difficult to get mortgage application approval. However, as Loans Geeks partners with hundreds of different financial institutions, submit an application and we will try to match you with a loan provider willing to give you a mortgage loan. Still, bear in mind that the terms and interest rates of the offered mortgage loan will depend on your credit score.

A Non-Resident in Canada can get a mortgage and is qualified for the maximum loan to value ratio which is about 65-75%. You will need to provide a few extra documents such as a credit report from the origin country, income proof, and the down payment.