First Time Home Buyers
Ready to jump into homeownership? With Government incentives by your side, purchasing your first home has never been easier. Find out more about how to achieve your property dream!
Cottage Or Vacation Property
Did you know that you can buy a vacation property with as little as 5% down? Find out how to acquire a little slice of heaven to get away from it all.
Refinancing Your Home
Refinancing your mortgage can be an effective way to consolidate debt and improve your cash flow, obtain a better interest rate, free up equity in your house for important purchases, and much, much more.
Home/Condo Purchase
Your first step should always be to understand the numbers. What you can be approved for is one thing, but what you can afford may be quite another. Knowing the difference between the two upfront can save you a lot of time and money down the road while still getting you into the home you want and love.
Spousal Buyout
Divorce doesn’t always mean you have to sell your house. Using a mortgage product designed specifically for this purpose, one spouse can buy out the other, without the need to sell.
Rental/Investment Properties
Investment properties can be a great way to generate wealth over time and have a tenant cover a large part of the financing costs as well. Financing solutions vary greatly from one lender to another in this very competitive market.
Purchase Plus Improvements
Love the house, but hate the kitchen? Purchase Plus Improvements allows you to buy the house and complete renovations, adding additional funds to your mortgage upon purchase!
Reverse Mortgages
An increasingly popular solution for people 55 or older with plenty of equity in their homes but don’t have the income to qualify for a traditional mortgage. Can be used for purchases or refinances, and you retain full ownership and title to your property.
Commercial Mortgages
Buying a commercial property can be a store-front plus apartment, a small unit for your business or a large scale property such as a restaurant or retirement home facility. Commercial financing requires specific knowledge and access to lenders who specialize in this type of lending.
Looking to make a move?
Owen’s Pad & Wrap is a new company with a team of over 30 years combined experience in the moving industry that serves the Niagara Region. Their pride is built on their ability to customize clients’ moving experience to their exact needs. Whether you’re wanting to move with a big company, just need some equipment, or need some other kind of help, Owen’s Pad & Wrap can take the stress off your back!
Kevin McDonald
Mortgage Agent, Level 1
Licence #M22003975
Connect With Me
Mortgage Outlet Brokerage #12628
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