CUSTOM MORTGAGE SOLUTIONS

Unlike the bank where you have access to only one lender, our mortgage solutions include all major banks, major lenders and private lenders. There are two ways to get a mortgage in Canada. One is from a bank, the second is from a licensed mortgage broker. Licensed mortgage brokers have access to hundreds of mortgage products to offer you more choice. We will always tailor a solutions that is unbiased and fits your circumstance. Mortgage professionals work for you, therefore, they work in your best interest.

***Mortgages products & services provided through Dominion Lending Centre Valko Financial Ltd. ( add the following line ) Independently owned and operated FSCO 13047

CURRENT MORTGAGE RATES

Take advantage of our current mortgage rates and see how they compare to regular bank rates. Already have a mortgage? Let us help you switch today, hassle-free!

APPLY FOR A MORTGAGE

MORTGAGE

AWealth has an extensive and trustworthy network of financial partners in Canada to meet your investment, insurance, and mortgage needs.

FIXED RATE VS. VARIABLE RATE (***)

Fixed rate mortgages appeal to clients like young couples who want stability in their payments or manage a tightly monthly budget.

Variable rate mortgages allows borrowers to take advantage of lower rates. (The interest rate is calculated on an ongoing basis at a lenders’ prime rate minus or plus a set percentage).

AWealth will provide you with the best option by ensuring you have a full understanding o the risks and rewards of each type of mortgage.

SELF EMPLOYED SOLUTIONS

Those who are self employed may face roadblocks when they are trying to obtain personal financing such as a mortgage or a vehicle loan. As business owners, proving self employment income and income stability can be difficult.

However, Canadian mortgage lenders understand the importance of self employment and have created mortgage programs that are available to the self-employed to finance their homes. Therefore, obtaining a mortgage if you are self employed has never been easier.

Contact AWealth to learn about the mortgage products available today that are structured to help you succeed in your business and personal life.

PAY OFF YOUR MORTGAGE FASTER

Thinking ahead and a bit of sacrifice will help you pay off your mortgage in a much shorter period of time.

Here are the steps you should take:

1. Making mortgage payments each week, or even every other week. This will lower your interest paid over the term of your mortgage and paying off your mortgage in this way can take your mortgage from 25 years down to about 21 years.

2. If your income increases, you should increase the amount of your mortgage payments. For example, if you get a 50% raise ease year at work, if you put that extra 5% of your income into your mortgage, your mortgage balance will drop much faster without feeling like you are changing your spending habits.

3. If you inherited some money from a relative or received a nice holiday bonus at work, you should apply this mortgage to your mortgage as a lump-sum payment and watch the results!

MORTGAGE RENEWAL

Mortgage insurance is required in Canada for any down payments that are between 5% and 19.99%. Mortgage insurance protects the lender should a borrow cease to make payments or default on the loan. This insurance is ideal and helpful for potential homeowners as it gives them a better chance at the real estate market. Without this the of insurance, mortgage rates will be much higher and the chances of defaulting on a loan would increase. This insurance also allows lenders to offer lower rates because they have protection as the risk of a defaulted loan is passed onto the mortgage insurer.

FIXED RATE VS. VARIABLE RATE (***)

Fixed rate mortgages appeal to clients like young couples who want stability in their payments or manage a tightly monthly budget.

Variable rate mortgages allows borrowers to take advantage of lower rates. (The interest rate is calculated on an ongoing basis at a lenders’ prime rate minus or plus a set percentage).

AWealth will provide you with the best option by ensuring you have a full understanding o the risks and rewards of each type of mortgage.

SELF EMPLOYED SOLUTIONS

Contact AWealth to learn about the mortgage products available today that are structured to help you succeed in your business and personal life.

PAY OFF YOUR MORTGAGE FASTER

Thinking ahead and a bit of sacrifice will help you pay off your mortgage in a much shorter period of time.

Here are the steps you should take:

3. If you inherited some money from a relative or received a nice holiday bonus at work, you should apply this mortgage to your mortgage as a lump-sum payment and watch the results!

MORTGAGE RENEWAL

Applying for a Mortgage couldn't be easier?

Let’s discuss your Mortgage Plans

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MORTGAGE TYPES

AWealth can help you grow your financial success from the start. AWealth collaborates with professionals and our in-house experts to ensure that you receive comprehensive financial advice tailored to your investing goals and financial needs.

MORTGAGE INSURANCE

You can qualify for a new mortgage if you have improved your credit score. You will qualify for a new mortgage with a better discount and stabilize your payments by changing from a variable rate mortgage to a fixed rate mortgage.

MORTGAGE INSURANCE

USING HOME EQUITY TO YOUR ADVANTAGE

Home ownership has proven itself to be a good stable investment over time.

While many people have chosen to purchase their first home during thee times of lower interest rates, there has been an increase in refinancing home loans and pulling out equity for investments, home improvements, and more.

USING HOME EQUITY TO YOUR ADVANTAGE

Home ownership has proven itself to be a good stable investment over time.

REFINANCE YOUR MORTGAGE

You can refinance your mortgage by improving your credit score in order to qualify for a new mortgage at a a better discount and to stabilize your mortgage payments by changing from a variable rate mortgage to a fixed rate mortgage.

Refinancing your mortgage is a good option to pull out equity for consolidating debt, investments, home improvements, and more.

REFINANCE YOUR MORTGAGE

Refinancing your mortgage is a good option to pull out equity for consolidating debt, investments, home improvements, and more.

CANADIAN HOME INCOME PLAN (CHIP)

Seniors face the challenge of managing with less cash flow than they anticipated. HomEquity bank is the only bank dedicated to older Canadian homeowners with smart and simple ways to use the value of their home during retirement.

CHIP has helped thousands of older Canadian homeowners enjoy more financial flexibility.

CANADIAN HOME INCOME PLAN (CHIP)

CHIP has helped thousands of older Canadian homeowners enjoy more financial flexibility.

CLIENT TESTIMONIALS

We have a large number positive 5 star client reviews

Bryan Gilbert

2022-05-04

Worked with Andrei Tasevski, to get my first mortgage. He is incredibly knowledgeable and taught me a lot. He explained everything about the mortgage process and helped make me feel confident. I would highly recommend Andrei for anyone looking for a mortgage. Bryan

Jay Bhagatwala

2022-01-24

Andrei (Carte Financial Services Inc.) helped me a lot in transferring my existing mortgage to different lender. He provided amazing rates for the same. He is honest, timely and reliable , knowledgeable person. I would highly recommend Andrei for mortgage, RRSP, MFs, TFSA and other financial investments. Thanks Andrei for everything.

Mandeep Singh Ahluwalia

2022-01-23

Andrei from Awealth has helped me and my family with our financial needs. Andrei has constructed an investment portfolio for our TDSA and RRSP accounts that is outperforming the benchmark. Also, Andrei has set up a risk management plan that has our family fully protected from unforeseen events. Andrei is trustworthy, knowledgeable, patient and most of all a human who cares for other humans. I highly recommend Andrei as a trusted Financial Advisor.

Prashant Warrier

2022-01-22

I have been working with Andrei to help me with my financial planning. We have been working together for over a year and what I really like about him is his ability to explain the pros and cons of the investment, looking at the overall picture in terms of his clients financial position, goals,.risk appetite and charting out a roadmap to achieve the financial goals. Look forward to a working with him closely to achieve financial goals in the coming years! Thank you Andrei for all your help.

trudel dorcine

2021-10-21

Andrei from Awealth has been my Financial Advisor for over 7 years I was working with the banks before but Andrei's knowledge and understanding of my needs is way beyond anything else I had experienced before. Portfolio is rock solid, returns are over delivering year of year and I have a written financial plan, again something that the bank never offered me. I strongly reccomed you to connect with Andrei.

Rose Lefebvre

2021-07-21

My fiancé and I remortgaged our home. I can’t begin to explain what a help Andrei is not only did he find us the best rate but he was able answer any question we had. Very flexible with time (my fiancé and I work odd hours) and very knowledgeable. This was the best choice we made. He’s very friendly and got things rolling pretty quickly. I’d recommend him to anyone and everyone. It’s honestly the most stress free decision you’ll ever make.

Marvin Torreno

2021-02-04

I’ve been investing with Andrei and AWealth for many years. I have 3 children and he setup RESP investments for all 3. He was very helpful and explained the process entirely. I also had my RRSP investments scattered with many banks. Andrei helped me consolidate all of my RRSP investments. On top of that, I am seeing much greater growth now that he is managing my investments (versus what I was getting at the bank). I highly recommend Andrei and AWealth!!

Kavita koundinya

2021-01-04

Andrei recently helped me and my husband refinance our mortgage and is professional, easy to work with and incredibly patient! The whole process was smooth and needless to say we will be coming back to him for any future financial services. Thanks, Andrei and we wish you continued success!

Hillditch D'Souza

2021-01-04

Andrei’s integrity and strong financial planing acumen is helping guide our vision towards our goal in a balanced and pragmatic way.

Damien Northmore

2020-08-05

referred to me by a dear colleague, Andrei has been an excellent financial advisor! Andrei helped me and my family create a financial plan that includes managing my RRSP, TFSA and Non Registered accounts. ( also points for taking full advantage of an Investment Loan program that I didn't know exist) Also he helped set up an amazing RESP provider that bonuses my child's education fund by 15% each year. Not to mention that he was able to provide better life insurance coverage compared to my previous policies. In terms of cash, I've seen some great returns too. He's a great guy and very responsive and happy to answer any questions I have. Highly recommend!