Super taking care and solution provider. The efficient and effective work really allowed me to feel at ease that I was getting the best service, rate and lender to make my dreams a reality! He was very responsive, professional and knowledgeable regarding any questions i had. This was above and beyond. Once I secured my rate I was expecting to handed off to the bank for my application (not sure if this is standard) but instead James collected all the paper work from the bank and filled in some of it for me, circled the areas for signature etc. I can’t recommend him enough. This was above and beyond. My rate was 2.89 for 3 years, which was the best rate I could find. James and Zayna provided exactly the perfect combination of professionalism and caring that we needed. Then they follow-up on every detail, track every thread right down to the last signature! As well as his perseverance, Vernon was continuously responsive to every correspondence that came his way. He was only a phone call away and always stopped to take the time Trust is everything and I feel so lucky to have had Steve during this whole process. Aside from the low rate, as a first time home buyer, Steve spent so much time with me helping me along the way and educating me on an area I felt I didn’t know a lot about. He was a great help throughout the process and even found me a significantly better rate than my bank or my realtor’s broker. Click here for a closer look at Ontario regions subject to the Non-Resident Speculation Tax. perfect home in Toronto within budget was challenging and full of learning experiences. Would highly recommend!read more, Steve was extremely helpful and… professional through the entire process of refinancing our mortgage. This is not the same as being resident or non-resident for tax purposes. As licensed mortgage brokers, we work with home buyers and a wide array of major lenders to match people with the perfect mortgage for their needs. I found my mortgage broker for life! He was only a phone call away and always stopped to take the time Trust is everything and I feel so lucky to have had Steve during this whole process. walk in the park. Q: I need help buying Canadian real estate. Scott not only demonstrated professionalism through the process, his care and concern for our well-being has resulted in us actually considering him a good friend. I would highly recommend Scott for any mortgage needs.read more, As a first time home buyer, James and… Mayra made the mortgage process really easy for us. After hitting brick walls with a few lenders, we contracted James at mortgages.ca. Our recent home purchase involved some complicated financial constructs and Steve held our hand thru it like a pro and the outcome exceeded our expectations. We had a complicated inter-provincial sale that threw a lot of curves, but Scott was always there to help resolve the issue, calm our nerves and get us to where we had to be. You’ll be able to set up your payment online for convenience, and your money is kept safe using bank level security, no matter what currency you’re sending. If you’re a non-resident collecting rent on the property in Canada, your income is subject to a 25% withhold tax on the gross rent received. This is our second time using him and have referred him to family and friends. Property in Canada. My realtor was very impressed with his dedication to the deal and professionalism. Second, non-residents must be present at closing, as there are no power of attorney options for closing. It is without hesitation that we recommend him and know you will not be disappointed as you work together through your mortage process. Even Canadian citizens who don’t reside in Canada for more than half of the year are also considered non-residents. Some of the rules for both getting a mortgage and the taxes you’ll need to pay will vary depending on your residency status. As a self employed person there are many additional criteria involved and the CMHC was reluctant to insure. Click here to read more about the Non-Resident Speculation Tax. we needed to get what we needed. Fantastic service! James persisted after receiving the denial of insurance. Thanks Steve, it’s been a pleasure working with you! top! Very satisfied. Steve played for us equal parts mortgage broker, financial advisor, consultant, cheerleader, therapist … you name it. If you’re hoping to work with someone who is extremely kind, professional and very knowledgeable please contact Vernon Bovell, you’ll be very relieved to work with someone of his caliber.Zoe Pinskyread more, Mortgages.ca team helped me through my… mortgage and loan goals. Super taking care and solution provider.read more, Absolute pleasure to work with James… and his team. Stefania were incredibly helpful, answering any and all questions we had, in language we understood. Found the best rates possible and always took the time to explain the pros and cons of each alternative. For the most part, provided they meet the mortgage eligibility criteria, non-residents can access the same mortgage products that are available to residents of Canada. Very effective and made it easy to work through.read more, Steve, James, Zayna and the entire team… were amazing throughout. This is perfectly possible, but it is common for banks to require non-resident purchasers to pay large down-payments - 35% of the property value is common. Warm hearted, kind, generous – and everybody needs more of that. You’ll find few legal restrictions on buying a place in Canada, even if you’re not resident here - although it may cost more to find your dream home as a non-resident than you’d pay as a citizen or permanent resident. James was also very patient during my home search when I would send him different listings to get an idea of what our maximum bids would be. 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