Mortgage Simplified.

Let our Financial Specialists help you find the best mortgage available!

What if you could feel confident about buying a home in a competitive market? What if there was a mortgage flexible enough to get you into your dream home sooner? With great rates, flexible payments, tons of options, and personalized advice, we’re making home ownership a reality for more Canadians.

Mortgage Consulting Built For You

What to know before buying your first home

Buying your first home is one of the biggest purchases you’ll ever make. How much can you afford? What can you expect from your first mortgage? Here’s what you need to know.

How much mortgage can you afford?

Are you ready to own a home?

Understanding every step of getting a mortgage

Should you work with a mortgage broker, a bank or a credit union?

Mortgage calculators

5 things you need to know about getting a mortgage if you’re self-employed

What you should ask when moving homes

It’s the perfect time to brush up on your mortgage knowledge and answer all the new questions you have. Is this the right time to sell? Can you afford a second property? Here’s what you need to know.

Moving on: Should you sell your home or rent it out?

Understanding every step of getting a mortgage

Should you work with a mortgage broker, a bank or a credit union?

How much mortgage can you afford?

All decked-out: The hidden costs of cottage ownership

5 things you need to know about getting a mortgage if you’re self-employed

What to know about buying a second property

When life changes your mortgage can to

What are your options? How do you figure out what to do with your mortgage? Here’s what you need to know.

Should you renew or refinance?

Refinancing your mortgage: How it works

Calculate how much mortgage you can afford

Renewing or Refinancing your Mortgage

 

New Mortgages Canada

Do you Have the Right Mortgage to suit your Lifecycle Not all Mortgages are Created Equal, there are different mortgages to suit your personal Financial Needs and Goals. As part of a Real Wealth Management Plan, the type of Mortgage that you have will play a key role...
Mortgages in the 21st Century. Bank Secrets!

Mortgages in the 21st Century. What your Bank does not want you to know!

Unfortunately, in Canada, our educational system has had large deficiencies when it comes to Financial Literacy. Financial Management, Debt Management and basically anything to do with what we do after we make our money and how to keep it, has been left for us to...

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Ready to get started on finding the best OBS mortgage available?

Start by filling out the Client Info Form, and you could have your next mortgage in as little as 2 weeks!

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Frequently Asked Questions

What is a 'fixed rate' mortgage?

A fixed rate means your mortgage will always have a pre-determined interest rate irrespective of the changes in the economic conditions. 

What is an 'adjustable rate' mortgage?

An adjustable rate can be changed by the lender whenever they feel that the economic conditions have changed.

What is a 'loan modification'?

A change in the repayment terms of a loan is referred to as loan modification.

Can I get a mortgage with someone who is unemployed?

The short answer: yes. The lender will most likely conduct a financial review of the total income and expenses of the household of the mortgagee pair. They will use a combination to figure out whether the current household income is enough to make the mortgage payments or not.

Need more
Information?

Do you want to find out more? Call our office to set up a preliminary appointment to find out how our advisors can get you started on the road to a better mortgage.

204-444-5678

oakbank@obstax.com