Whether you’re buying your first home, refinancing, or investing in property, we work with a network of lenders to find mortgage solutions tailored to your goals.
Helping you secure the right mortgage with confidence
Helping you secure the right mortgage with confidence
Frequently Asked Questions
Everything you need to know before starting your mortgage process.
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Mortgage qualification depends on factors such as income, debt, credit score, and down payment. We can review your financial situation and provide a clear estimate of what you may qualify for before you begin house hunting.
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A pre-qualification is a quick estimate based on basic financial information. A pre-approval is more detailed and involves verifying income, credit, and documents to determine a more accurate borrowing amount.
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In Canada, the minimum down payment depends on the purchase price of the property. For homes under $500,000, the minimum is typically 5%. Larger purchases may require higher percentages.
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Mortgage brokers are compensated by the lender, meaning there is typically no direct cost to the borrower. If any fees apply, they will always be discussed upfront.
Why Clients Choose Mortgages by Soin
Navigating the mortgage process can feel overwhelming, but the right guidance makes all the difference. At Mortgages by Soin, our focus is simple: helping clients secure the right mortgage with clarity, competitive options, and personalized advice.
Whether you're buying your first home, refinancing, or investing in property, we work with a wide network of lenders to find solutions tailored to your financial goals.
Client Success Stories
Mortgage Refinancing
Helping homeowners lower monthly payments, consolidate debt, or access home equity.
First-Time Home Buyers
Helping Buyers navigate pre-approvals, down payments, and competitive mortgage options.
Self-Employed Mortgages
Working with lenders who understand self-employed income and unique financial structures.
Investment Properties
Supporting clients financing rental or investment properties with tailored lending strategies.
Get Expert Mortgage Advice
Thinking about buying, refinancing, or renewing your mortgage?
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