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First Time Home Buyers
 Buying first home can be one of the most exciting experiences in your life. For couples it will become an important step toward building a life together. For other people it's the most enjoyable investment they'll ever make. But getting the financing for your first mortgage, on the other hand, can be also a little bit scary. Don't worry! A team of dedicated professionals from CENTURY 21 LEADING EDGE REALTY INC. is here to make your Canadian first time homebuyer experience pleasant and rewarding.
Helpful tips:
Mortgage Renewals and Transfers
 You should review your mortgage regularly. Generally, Canadians do it every 3-5 years. According to CMHC statistics, over 50% of all Canadians accept the first rate their bank offers. Renewal time is the ideal time to reassess your mortgage options and re-examine your overall financial situation. We're available to answer any questions you have and provide you with the LOWEST MORTGAGE RATES in CANADA, which are right for you.
We will show you how to secure the lowest rate possible when it is time to renew mortgage.
Helpful tips:
- Fill out ourContact_Us and let us show you how to renew your mortgage without paying any legal fees or costs.
- Learn how to reduce your amortization.
Debt Consolidation and Refinancing
 Refinancing replaces your existing loan with another lower interest rate loan for the same amount. This can save you tons of money when market interest rates drop 1 or more percentage points lower than your present rate. Refinancing can be used to reduce your interest rate, change the term of your loan, or to consolidate your debts. We can show you how to reduce your monthly debt load and pay your mortgage off faster.
Helpful tips:
- By calculating your total monthly debt payments you can determine whether debt consolidation is what you need. Sum up all loans, lines of credit, credit cards and your mortgage and divide that amount by your gross total monthly income. If the number is higher than 0.50 then get in touch with us. If you are below 0.50 we can still help save you money.
- Fill out our Contact_Us and let us do the work for you. We can determine at an early stage whether debt consolidation is the best route for you.
Zero Down Payment Mortgage
 Nothing should stand in the way of your dreams. As long as you have job stability, a good credit rating and have never filed for bankruptcy, the Zero Down Payment Mortgage may be for you. Contact_Us
We'll show you how to stop renting and start owning a home today! No down payment. No fees. We'll put you on the road to financial security today! The Zero Down Payment Mortgage provides 100% financing for your new home.
Helpful tips:
- The first step is talking to our Mortgage Consultant, who will help you determine if the Zero Down Payment Mortgage is right for your specific situation.
- If your credit is good and income is steady, but you don't have money for down payment, find out how this mortgage may be right for you.
Mortgages for Self-employed
 Self-employed (business-for-self) constitute nowadays nearly 20% of all income earners in Canada. This is a large and growing demographic trend. If so, then why is it so difficult to get a mortgage through a chartered bank when you are self-employed? It's because many business-for-self owners deduct expenses in lieu of extra income, something that most banks will not recognize. At CENTURY 21 LEADING EDGE REALTY INC. we understand your needs. Using alternative documentation the self-employed may qualify for the mortgage. Our lenders will look at your credit rating rather than business financials and personal tax notice of assessments. This is something that not all mortgage lenders do. Contact_Us
Helpful tips:
- This mortgage applies to all business owners, contractors, consultants and commission sales people.
- Be sure to have NO bankruptcies or foreclosures. Any late payments on credit cards or loans may lower your chances of qualifying.
- Prepare proof that you have been self-employed for three (3) years. (Incorporation papers or GST number.)
- With a clean credit history you can finance up to 90% of your property value.
- Some restrictions apply. Please fill out our easy-to-use online mortgage application or contact one of our representatives today to qualify!
Commercial Mortgages
 In today's unpredictable business world, real estate can provide a valuable source of stability for your business - whether you're purchasing or expanding your own facilities, or contemplating the construction of commercial or residential space. Looking for commercial mortgages? CENTURY 21 LEADING EDGE REALTY INC. has access to some of the best commercial mortgage rates in Canada. Contact_Us
Helpful tips:
- We can tailor a commercial mortgage for every kind of commercial venture from construction of single-family dwellings to a large multi-unit complex.We help companies in Canada get the lowest rate mortgages possible.
- Whatever your plans, our highly experienced advisors will work with you to develop the mortgage that really fits your needs.
- As a member of the community, we're committed to helping our members build their businesses - no matter how big or small the venture.
Variable Rate Mortgage
 Variable Rate Mortgage is much more than an ordinary mortgage because it can change with you as your needs change over time and at very competitive discounted variable rates. There are many options when it comes to the variable rate mortgage and CENTURY 21 LEADING EDGE REALTY INC. will customize a variable rate product to fit your needs! This type of mortgage offers you low monthly repayments when you need them - at the start of your mortgage term. Your monthly repayments will increase gradually as your interest rate steps up. This is especially useful if you are moving home and want to keep your initial costs down. Contact_Us
Avoid any surprises by having choosing me as your real estate professional, I will guide you through the necessary steps. Rely on my expert advice to keep you well informed and prepared. It's just one more way that I will starve to take the anxiety out of buying your dream home. Count on my Skills, Experience and Outstanding Performance.
You are thinking of a Real Estate Transaction, No matter what locations or budget you may have in your mind and you are interested in, we are here, a team of competent professionals, extend our expertise, connections, power and services to your benefit. You may have many questions to be answered. Please browse all the other links and respective pages to justify more facts and findings to your advantage at time of your buying or selling a Real Estate in Canada.
I F Y O U A R E B U Y I N G: Please Click: Buyers_Page : Property_Buyers_Requisition
I F Y O U A R E S E L L I N G : Please Click: Sellers_Page : Property_Sellers_Requisition | 
