{"id":2386,"date":"2022-06-13T16:41:24","date_gmt":"2022-06-13T20:41:24","guid":{"rendered":"https:\/\/lescourtiershypothecaires.ca\/services-nouvel-achat\/"},"modified":"2026-04-27T15:08:46","modified_gmt":"2026-04-27T19:08:46","slug":"new-buy-services","status":"publish","type":"page","link":"https:\/\/lescourtiershypothecaires.ca\/en\/new-buy-services\/","title":{"rendered":"New buy services"},"content":{"rendered":"<p>[vc_row full_height=&#8221;yes&#8221; columns_placement=&#8221;bottom&#8221; parallax=&#8221;enable_parallax&#8221; enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;0&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; bg_position=&#8221;custom&#8221; enable_overlay=&#8221;yes&#8221; css=&#8221;.vc_custom_1663621810530{padding-bottom: 100px !important;background: #111214 url(https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/08\/ali-kazal-0XIKO66D3t0-unsplash.jpg?id=1051);background-position:center;background-repeat:-repeat;background-size:cover;}&#8221; responsive_css=&#8221;padding_top_large:200px|padding_bottom_large:200px|padding_top_medium:10vw|padding_right_medium:7%25|padding_bottom_medium:15vw|padding_left_medium:7%25&#8243; ca_duration=&#8221;1600&#8243; ca_start_delay=&#8221;850&#8243; ca_delay=&#8221;160&#8243; ca_init_translate_y=&#8221;25&#8243; bg_pos_h=&#8221;80%&#8221; bg_pos_v=&#8221;50%&#8221; overlay_bg=&#8221;rgba(0, 0, 0, 0.65)&#8221;][vc_column]<style>.ld_fancy_heading_6a38b4a9b4f73 h1{color:rgb(255, 255, 255);}.ld_fancy_heading_6a38b4a9b4f73 h1 {padding-top:100px !important;  } .ld_fancy_heading_6a38b4a9b4f73 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a38b4a9b4f73 h1 {padding-top:100px !important;  } <\/style><div class=\"ld-fancy-heading text-center ld_fancy_heading_6a38b4a9b4f73\">\n\t<h1 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-lines h1\"   data-split-text=\"true\" data-split-options='{\"type\":\"lines\"}'>  All about mortgages:<br \/>\nyour future purchase<\/h1><\/div><style>.ld_fancy_heading_6a38b4a9b530e p{color:rgb(255, 255, 255);}.ld_fancy_heading_6a38b4a9b530e p {font-size:17px; } .ld_fancy_heading_6a38b4a9b530e p {line-height:28px; } .ld_fancy_heading_6a38b4a9b530e p {--element-line-height:28px; } .ld_fancy_heading_6a38b4a9b530e .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;background:#b8952c!important;}.ld_fancy_heading_6a38b4a9b530e p {font-size:17px; } .ld_fancy_heading_6a38b4a9b530e p {line-height:28px; } .ld_fancy_heading_6a38b4a9b530e p {--element-line-height:28px; } <\/style><div class=\"ld-fancy-heading text-center ld_fancy_heading_6a38b4a9b530e\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-words\"   data-split-text=\"true\" data-split-options='{\"type\":\"words\"}' data-custom-animations=\"true\" data-ca-options='{\"triggerHandler\":\"inview\",\"animationTarget\":\".lqd-words > .split-inner\",\"duration\":\"1500\",\"startDelay\":\"100\",\"delay\":\"40\",\"ease\":\"bounce.inOut\",\"direction\":\"random\",\"initValues\":{\"opacity\":0},\"animations\":{\"opacity\":1}}'>  We agree, buying or building a home is one of life&#8217;s biggest projects. Becoming a homeowner requires time, energy, and lots of money! Unless you&#8217;re Rihanna or Jeff Bezos, few of us can pay for a property in all cash. A mortgage is THE solution for turning your dream home into a reality. Here&#8217;s what you need to know, all about mortgages:<\/p><\/div>[vc_row_inner css=&#8221;.vc_custom_1662634933400{padding-top: 20px !important;padding-bottom: 20px !important;}&#8221;][vc_column_inner responsive_align=&#8221;text-center&#8221;]<style>.ld_button_6a38b4a9b552f.btn-icon-solid .btn-icon{background:#b8952c;}.ld_button_6a38b4a9b552f.btn-icon-circle.btn-icon-ripple .btn-icon:before{border-color:#b8952c;}.ld_button_6a38b4a9b552f.btn-icon-solid:hover .btn-icon{background:rgb(0, 0, 0);}.ld_button_6a38b4a9b552f{background-color:#b8952c;border-color:#b8952c;}.ld_button_6a38b4a9b552f:hover{background-color:rgb(0, 0, 0);border-color:rgb(0, 0, 0);color:rgb(255, 255, 255);}.ld_button_6a38b4a9b552f .btn-gradient-bg-hover{background:-webkit-linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);background:linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);}.ld_button_6a38b4a9b552f .btn-gradient-border defs stop:first-child{stop-color:#b8952c;}.ld_button_6a38b4a9b552f .btn-gradient-border defs stop:last-child{stop-color:#b8952c;}.ld_button_6a38b4a9b552f:hover .btn-gradient-border defs stop:first-child{stop-color:rgb(0, 0, 0);}.ld_button_6a38b4a9b552f:hover .btn-gradient-border defs stop:last-child{stop-color:rgb(0, 0, 0);}<\/style><a href=\"\/en\/new-mortgage\/\" class=\"btn btn-solid text-uppercase btn-hover-txt-liquid-x btn-xsm circle border-thin btn-hover-swp btn-has-label ld_button_6a38b4a9b552f vc_custom_1671064743519\" >\n\t<span>\n\t\n\t\t\t\t\t<span class=\"btn-txt\" data-text=\"I want to buy\" data-split-text=\"true\"\n\t\t\t\t\t    data-split-options='{\"type\": \"chars, words\"}'>I want to buy<\/span>\n\t\t\n\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t\t\t<\/span>\n<\/a>\n[\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column css=&#8221;.vc_custom_1608189980216{padding-top: 17px !important;}&#8221;][vc_separator color=&#8221;custom&#8221; accent_color=&#8221;rgba(255,255,255,0.23)&#8221;][\/vc_column][\/vc_row][vc_row parallax=&#8221;enable_parallax&#8221; css=&#8221;.vc_custom_1663621881857{padding-top: 50px !important;padding-bottom: 100px !important;background-image: url(https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/07\/drew-beamer-kUHfMW8awpE-unsplash.jpg?id=821) !important;background-position: center;background-repeat: no-repeat;background-size:cover;}&#8221;][vc_column enable_hover_move=&#8221;lqd-column-move-onhover&#8221; width=&#8221;1\/2&#8243; enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;1&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; css=&#8221;.vc_custom_1660816182660{padding-top: 100px !important;}&#8221; ca_duration=&#8221;1800&#8243; ca_delay=&#8221;180&#8243; ca_init_translate_y=&#8221;35&#8243;]<style>.ld_fancy_heading_6a38b4a9b5e66 h6 {font-size:13px; } .ld_fancy_heading_6a38b4a9b5e66 h6 {font-weight:700; } .ld_fancy_heading_6a38b4a9b5e66 h6 {letter-spacing:0.7em; } .ld_fancy_heading_6a38b4a9b5e66 h6 {margin-bottom:2em !important;  } .ld_fancy_heading_6a38b4a9b5e66 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a38b4a9b5e66 h6 {font-size:13px; } .ld_fancy_heading_6a38b4a9b5e66 h6 {font-weight:700; } .ld_fancy_heading_6a38b4a9b5e66 h6 {letter-spacing:0.7em; } .ld_fancy_heading_6a38b4a9b5e66 h6 {margin-bottom:2em !important;  } <\/style><div class=\"ld-fancy-heading text-uppercase ld_fancy_heading_6a38b4a9b5e66\">\n\t<h6 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  mortgage loan<\/h6><\/div><style>.ld_fancy_heading_6a38b4a9b6644 h2{color:rgb(0, 0, 0);}.ld_fancy_heading_6a38b4a9b6644 h2 {font-size:60px; } .ld_fancy_heading_6a38b4a9b6644 h2 {line-height:60px; } .ld_fancy_heading_6a38b4a9b6644 h2 {--element-line-height:60px; } .ld_fancy_heading_6a38b4a9b6644 h2 {font-weight:500; } .ld_fancy_heading_6a38b4a9b6644 h2 {margin-bottom:0.6em !important;  } .ld_fancy_heading_6a38b4a9b6644 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a38b4a9b6644 h2 {font-size:60px; } .ld_fancy_heading_6a38b4a9b6644 h2 {line-height:60px; } .ld_fancy_heading_6a38b4a9b6644 h2 {--element-line-height:60px; } .ld_fancy_heading_6a38b4a9b6644 h2 {font-weight:500; } .ld_fancy_heading_6a38b4a9b6644 h2 {margin-bottom:0.6em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a38b4a9b6644\">\n\t<h2 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Multi-Pr\u00eats<\/h2><\/div>[vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;2&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;rgb(143, 143, 143)&#8221;][\/vc_column][vc_column width=&#8221;1\/2&#8243; enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;1&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; responsive_css=&#8221;margin_right_large:-50px&#8221; ca_duration=&#8221;1000&#8243; ca_delay=&#8221;120&#8243; ca_init_translate_y=&#8221;70&#8243;]<style>.ld_fancy_heading_6a38b4a9b6d7a h2{color:rgb(0, 0, 0);}.ld_fancy_heading_6a38b4a9b6d7a h2 {padding-top:100px !important;  } .ld_fancy_heading_6a38b4a9b6d7a .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a38b4a9b6d7a h2 {padding-top:100px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a38b4a9b6d7a\">\n\t<h2 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-lines h2\"   data-split-text=\"true\" data-split-options='{\"type\":\"lines\"}'>  Mortgage: Definition<\/h2><\/div><style>.ld_fancy_heading_6a38b4a9b716e p{color:rgb(0, 0, 0);}.ld_fancy_heading_6a38b4a9b716e p {font-size:17px; } .ld_fancy_heading_6a38b4a9b716e p {line-height:28px; } .ld_fancy_heading_6a38b4a9b716e p {--element-line-height:28px; } .ld_fancy_heading_6a38b4a9b716e p {margin-bottom:2em !important;  } .ld_fancy_heading_6a38b4a9b716e .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a38b4a9b716e p {font-size:17px; } .ld_fancy_heading_6a38b4a9b716e p {line-height:28px; } .ld_fancy_heading_6a38b4a9b716e p {--element-line-height:28px; } .ld_fancy_heading_6a38b4a9b716e p {margin-bottom:2em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a38b4a9b716e\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-lines\"   data-split-text=\"true\" data-split-options='{\"type\":\"lines\"}'>  Let&#8217;s face it, most first-time homebuyers use credit. To limit risk, Canadian mortgage lenders require a minimum down payment of 5% of the property\u2019s purchase price. Your down payment is savings you have accumulated in anticipation of your home purchase. Beyond the money you have saved, the rest of the house is financed using a mortgage loan.<\/p><\/div><style>.vc_accordion_6a38b4a9b73ed .accordion-title{font-size:17px;line-height:28px;font-weight:400;}.vc_accordion_6a38b4a9b73ed .accordion-title a{color:rgb(0, 0, 0);}.vc_accordion_6a38b4a9b73ed .accordion-item.active .accordion-title a{color:rgb(0, 0, 0);}.vc_accordion_6a38b4a9b73ed .accordion-title a, .vc_accordion_6a38b4a9b73ed .accordion-item{border-color:#b8952c;}<\/style><div class=\"accordion accordion-md accordion-title-underlined accordion-expander-lg vc_accordion_6a38b4a9b73ed\" id=\"vc_accordion_6a38b4a9b73ed\"\n     role=\"tablist\" aria-multiselectable=\"true\">\n\n\t            <div class=\"accordion-item panel  active \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1575466271794-292b803f-ecd6186b-33ea\" data-id=\"lqd-1575466271794-292b803f-ecd6186b-33ea\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1575466271794-292b803f-ecd6186b-33ea\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_6a38b4a9b73ed\" data-bs-parent=\"#vc_accordion_6a38b4a9b73ed\" href=\"#lqd-1575466271794-292b803f-ecd6186b-33ea\" data-bs-target=\"#lqd-1575466271794-292b803f-ecd6186b-33ea\"\n                           aria-expanded=\"true\" aria-controls=\"lqd-1575466271794-292b803f-ecd6186b-33ea\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tFrom a legal point of view\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-arrow-down\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-arrow-up\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1575466271794-292b803f-ecd6186b-33ea\" class=\"accordion-collapse collapse show\"\n                    data-bs-parent=\"#vc_accordion_6a38b4a9b73ed\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1575466271794-292b803f-ecd6186b-33ea\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t[vc_column_text]Legally, a mortgage is a loan agreement between you and a bank or financial institution\/lender (e.g., a credit company). The loan agreement defines the terms and conditions of the loan, such as the repayment period and the amount of your monthly payments, among other specifics.[\/vc_column_text]                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_ld-1575466481374-e9a15b23-39d2186b-33ea\" data-id=\"ld-1575466481374-e9a15b23-39d2186b-33ea\">\n                    <h4 class=\"accordion-title\" data-controls=\"ld-1575466481374-e9a15b23-39d2186b-33ea\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_6a38b4a9b73ed\" data-bs-parent=\"#vc_accordion_6a38b4a9b73ed\" href=\"#ld-1575466481374-e9a15b23-39d2186b-33ea\" data-bs-target=\"#ld-1575466481374-e9a15b23-39d2186b-33ea\"\n                           aria-expanded=\"false\" aria-controls=\"ld-1575466481374-e9a15b23-39d2186b-33ea\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tYour lender\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-arrow-down\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-arrow-up\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"ld-1575466481374-e9a15b23-39d2186b-33ea\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_6a38b4a9b73ed\" role=\"tabpanel\" aria-labelledby=\"heading_ld-1575466481374-e9a15b23-39d2186b-33ea\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t[vc_column_text]Per your contract, the lender agrees to loan a pre-determined sum that you require to purchase the property; ultimately, they are loaning you the purchase price plus other expenses, minus your down payment. In return, you agree to repay the entire loan, with interest. To secure the loan, the property you are acquiring will be used as collateral. If you fail to repay your lender, they retain the legal right to seize your property to collect on your debt. For this reason [and many others], meticulously selecting your lender should be your highest priority. To determine which lender is best for you, think Team Distinction![\/vc_column_text]                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t<\/div><style>.ld_fancy_heading_6a38b4a9b75cc p{color:rgb(0, 0, 0);}.ld_fancy_heading_6a38b4a9b75cc p {font-size:17px; } .ld_fancy_heading_6a38b4a9b75cc p {line-height:28px; } .ld_fancy_heading_6a38b4a9b75cc p {--element-line-height:28px; } .ld_fancy_heading_6a38b4a9b75cc p {margin-top:1.5em !important; margin-bottom:3em !important;  } .ld_fancy_heading_6a38b4a9b75cc .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a38b4a9b75cc p {font-size:17px; } .ld_fancy_heading_6a38b4a9b75cc p {line-height:28px; } .ld_fancy_heading_6a38b4a9b75cc p {--element-line-height:28px; } .ld_fancy_heading_6a38b4a9b75cc p {margin-top:1.5em !important; margin-bottom:3em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a38b4a9b75cc\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-lines\"   data-split-text=\"true\" data-split-options='{\"type\":\"lines\"}'>  Simultaneously, it is important to note that a mortgage differs from other common types of credit. Here are some of its features:<\/p><\/div><style>.vc_accordion_6a38b4a9b7824 .accordion-title{font-size:17px;line-height:28px;font-weight:400;}.vc_accordion_6a38b4a9b7824 .accordion-item.active .accordion-title a{color:rgb(255, 255, 255);background:#b8952c;}.vc_accordion_6a38b4a9b7824 .accordion-title a{background:rgb(255, 255, 255);}.vc_accordion_6a38b4a9b7824 .accordion-title a, .vc_accordion_6a38b4a9b7824 .accordion-item{border-color:rgb(255, 255, 255);}.vc_accordion_6a38b4a9b7824 .accordion-item:not(:last-child){margin-bottom:20px;}<\/style><div class=\"accordion accordion-lg accordion-active-has-fill accordion-title-bordered accordion-expander-lg vc_accordion_6a38b4a9b7824\" id=\"vc_accordion_6a38b4a9b7824\"\n     role=\"tablist\" aria-multiselectable=\"true\">\n\n\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1661856690425-5163e045-ce00\" data-id=\"lqd-1661856690425-5163e045-ce00\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1661856690425-5163e045-ce00\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_6a38b4a9b7824\" data-bs-parent=\"#vc_accordion_6a38b4a9b7824\" href=\"#lqd-1661856690425-5163e045-ce00\" data-bs-target=\"#lqd-1661856690425-5163e045-ce00\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1661856690425-5163e045-ce00\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tThe term of the contract\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-arrow-down\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-arrow-up\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1661856690425-5163e045-ce00\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_6a38b4a9b7824\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1661856690425-5163e045-ce00\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t[vc_column_text]The term of the contract rarely allows you to pay off your loan in full (unless you are very wealthy or bought your house for a pittance, for example);[\/vc_column_text]                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1661856690536-9f33347d-84fa\" data-id=\"lqd-1661856690536-9f33347d-84fa\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1661856690536-9f33347d-84fa\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_6a38b4a9b7824\" data-bs-parent=\"#vc_accordion_6a38b4a9b7824\" href=\"#lqd-1661856690536-9f33347d-84fa\" data-bs-target=\"#lqd-1661856690536-9f33347d-84fa\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1661856690536-9f33347d-84fa\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tRenewal\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-arrow-down\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-arrow-up\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1661856690536-9f33347d-84fa\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_6a38b4a9b7824\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1661856690536-9f33347d-84fa\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t[vc_column_text]Intentionally, you must renew your commitment several times before paying the balance of your loan;[\/vc_column_text]                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1661856690641-ba981e55-3c1d\" data-id=\"lqd-1661856690641-ba981e55-3c1d\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1661856690641-ba981e55-3c1d\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_6a38b4a9b7824\" data-bs-parent=\"#vc_accordion_6a38b4a9b7824\" href=\"#lqd-1661856690641-ba981e55-3c1d\" data-bs-target=\"#lqd-1661856690641-ba981e55-3c1d\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1661856690641-ba981e55-3c1d\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tPrepayment\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-arrow-down\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-arrow-up\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1661856690641-ba981e55-3c1d\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_6a38b4a9b7824\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1661856690641-ba981e55-3c1d\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t[vc_column_text]There are fees associated with the termination and prepayment of the loan (mortgage penalties);[\/vc_column_text]                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1661856690752-1ec45d7f-79ab\" data-id=\"lqd-1661856690752-1ec45d7f-79ab\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1661856690752-1ec45d7f-79ab\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_6a38b4a9b7824\" data-bs-parent=\"#vc_accordion_6a38b4a9b7824\" href=\"#lqd-1661856690752-1ec45d7f-79ab\" data-bs-target=\"#lqd-1661856690752-1ec45d7f-79ab\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1661856690752-1ec45d7f-79ab\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tWarranty\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-arrow-down\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-arrow-up\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1661856690752-1ec45d7f-79ab\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_6a38b4a9b7824\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1661856690752-1ec45d7f-79ab\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t[vc_column_text]The lender accepts the collateral for the property you intend to purchase.[\/vc_column_text]                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t<\/div><style>.ld_fancy_heading_6a38b4a9b79cc p{color:rgb(0, 0, 0);}.ld_fancy_heading_6a38b4a9b79cc p {font-size:17px; } .ld_fancy_heading_6a38b4a9b79cc p {line-height:28px; } .ld_fancy_heading_6a38b4a9b79cc p {--element-line-height:28px; } .ld_fancy_heading_6a38b4a9b79cc p {margin-top:1.5em !important; margin-bottom:2em !important;  } .ld_fancy_heading_6a38b4a9b79cc .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a38b4a9b79cc p {font-size:17px; } .ld_fancy_heading_6a38b4a9b79cc p {line-height:28px; } .ld_fancy_heading_6a38b4a9b79cc p {--element-line-height:28px; } .ld_fancy_heading_6a38b4a9b79cc p {margin-top:1.5em !important; margin-bottom:2em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a38b4a9b79cc\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-lines\"   data-split-text=\"true\" data-split-options='{\"type\":\"lines\"}'>  Typically, each mortgage term (the length of your contract) can range from six months to five years. However, some lenders may offer longer terms such as seven to ten years.<\/p><\/div><style>.ld_fancy_heading_6a38b4a9b7b67 p{color:rgb(0, 0, 0);}.ld_fancy_heading_6a38b4a9b7b67 p {font-size:17px; } .ld_fancy_heading_6a38b4a9b7b67 p {line-height:28px; } .ld_fancy_heading_6a38b4a9b7b67 p {--element-line-height:28px; } .ld_fancy_heading_6a38b4a9b7b67 p {margin-bottom:2em !important;  } .ld_fancy_heading_6a38b4a9b7b67 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a38b4a9b7b67 p {font-size:17px; } .ld_fancy_heading_6a38b4a9b7b67 p {line-height:28px; } .ld_fancy_heading_6a38b4a9b7b67 p {--element-line-height:28px; } .ld_fancy_heading_6a38b4a9b7b67 p {margin-bottom:2em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a38b4a9b7b67\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-lines\"   data-split-text=\"true\" data-split-options='{\"type\":\"lines\"}'>  Be careful not to confuse a mortgage &#8220;term&#8221; with a mortgage &#8220;amortization&#8221;, because the latter is the intended period for total repayment of your loan. Typically, people aim to pay off their homes in 25, 20 or 15 years. Therefore, clients renew their terms multiple times within their amortization period.<\/p><\/div>[vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;2&#8243; el_width=&#8221;60&#8243; accent_color=&#8221;rgb(130, 130, 130)&#8221; css=&#8221;.vc_custom_1657548548337{padding-top: 5% !important;padding-bottom: 5% !important;}&#8221;]<style>.ld_button_6a38b4a9b7cc7.btn-icon-solid .btn-icon{background:#b8952c;}.ld_button_6a38b4a9b7cc7.btn-icon-circle.btn-icon-ripple .btn-icon:before{border-color:#b8952c;}.ld_button_6a38b4a9b7cc7.btn-icon-solid:hover .btn-icon{background:rgb(0, 0, 0);}.ld_button_6a38b4a9b7cc7{background-color:#b8952c;border-color:#b8952c;}.ld_button_6a38b4a9b7cc7:hover{background-color:rgb(0, 0, 0);border-color:rgb(0, 0, 0);color:rgb(255, 255, 255);}.ld_button_6a38b4a9b7cc7 .btn-gradient-bg-hover{background:-webkit-linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);background:linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);}.ld_button_6a38b4a9b7cc7 .btn-gradient-border defs stop:first-child{stop-color:#b8952c;}.ld_button_6a38b4a9b7cc7 .btn-gradient-border defs stop:last-child{stop-color:#b8952c;}.ld_button_6a38b4a9b7cc7:hover .btn-gradient-border defs stop:first-child{stop-color:rgb(0, 0, 0);}.ld_button_6a38b4a9b7cc7:hover .btn-gradient-border defs stop:last-child{stop-color:rgb(0, 0, 0);}<\/style><a href=\"\/en\/contact-us\/#contact\" class=\"btn btn-solid text-uppercase btn-hover-txt-liquid-x btn-xsm circle border-thin btn-hover-swp btn-has-label ld_button_6a38b4a9b7cc7 vc_custom_1671064766347\" >\n\t<span>\n\t\n\t\t\t\t\t<span class=\"btn-txt\" data-text=\"Discuss with a broker\" data-split-text=\"true\"\n\t\t\t\t\t    data-split-options='{\"type\": \"chars, words\"}'>Discuss with a broker<\/span>\n\t\t\n\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t\t\t<\/span>\n<\/a>\n[\/vc_column][\/vc_row][vc_row gap=&#8221;30&#8243; content_placement=&#8221;middle&#8221; responsive_css=&#8221;margin_top_large:100px|margin_bottom_large:150px&#8221; css=&#8221;.vc_custom_1662460671163{margin-top: 100px !important;margin-bottom: 150px !important;}&#8221;][vc_column width=&#8221;1\/2&#8243;]<div id=\"ld_images_group_container_6a38b4a9b817b\" class=\"lqd-imggrp-container ld_images_group_container_6a38b4a9b817b\"   data-parallax=\"true\" data-parallax-from='{\"y\":90}' data-parallax-to='{\"y\":-80}' data-parallax-options='{\"overflowHidden\":false,\"ease\":\"linear\",\"start\":\"top bottom\"}'>\n\t<div class=\"lqd-imggrp-inner\">\n\t\t<div id=\"ld_images_group_element_6a38b4a9b832f\" class=\"lqd-imggrp-single ld_images_group_element_6a38b4a9b832f\"   >\n\t\n\t<div class=\"lqd-imggrp-img-container\"    >\n\t\t\n\t\t\t\t\n\t\t\t\t<figure ><img loading=\"lazy\" decoding=\"async\" width=\"1536\" height=\"1151\" src=\"https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/08\/derek-sutton-uouH1bGxeeU-unsplash.jpg\" srcset=\"https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/08\/derek-sutton-uouH1bGxeeU-unsplash-300x225.jpg 300w, https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/08\/derek-sutton-uouH1bGxeeU-unsplash-1024x767.jpg 1024w, https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/08\/derek-sutton-uouH1bGxeeU-unsplash.jpg 1920w\" class=\"\" alt=\"\" \/><\/figure>\t\t\t\t\t\t\t\t\n\t<\/div><!-- \/.lqd-imggrp-content -->\n<\/div><!-- \/.lqd-imggrp-single -->\n\t\n\t<\/div><!-- \/.lqd-imggrp-inner -->\n<\/div><!-- \/.lqd-imggrp-container -->[\/vc_column][vc_column width=&#8221;1\/2&#8243; enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;0&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; ca_duration=&#8221;1800&#8243; ca_delay=&#8221;180&#8243; ca_init_translate_x=&#8221;35&#8243; responsive_css=&#8221;padding_top_large:50px&#8221;]<style>.ld_fancy_heading_6a38b4a9b8ba3 h6{background:#edf3f7;}.ld_fancy_heading_6a38b4a9b8ba3 h6 {font-size:13px; } .ld_fancy_heading_6a38b4a9b8ba3 h6 {letter-spacing:0.05em; } .ld_fancy_heading_6a38b4a9b8ba3 h6 {padding-top:6px !important; padding-right:13px !important; padding-bottom:6px !important; padding-left:13px !important;  } .ld_fancy_heading_6a38b4a9b8ba3 h6 {margin-bottom:1.75em !important;  } .ld_fancy_heading_6a38b4a9b8ba3 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a38b4a9b8ba3 h6 {font-size:13px; } .ld_fancy_heading_6a38b4a9b8ba3 h6 {letter-spacing:0.05em; } .ld_fancy_heading_6a38b4a9b8ba3 h6 {padding-top:6px !important; padding-right:13px !important; padding-bottom:6px !important; padding-left:13px !important;  } .ld_fancy_heading_6a38b4a9b8ba3 h6 {margin-bottom:1.75em !important;  } <\/style><div class=\"ld-fancy-heading ld-fh-has-fill text-uppercase ld_fancy_heading_6a38b4a9b8ba3\">\n\t<h6 class=\"ld-fh-element circle lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Types of properties<\/h6><\/div><style>.ld_fancy_heading_6a38b4a9b91a5 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}<\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a38b4a9b91a5\">\n\t<h2 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Types of properties that can be mortgaged<\/h2><\/div><style>.ld_fancy_heading_6a38b4a9b9777 p {font-size:18px; } .ld_fancy_heading_6a38b4a9b9777 p {line-height:1.35em; } .ld_fancy_heading_6a38b4a9b9777 p {--element-line-height:1.35em; } .ld_fancy_heading_6a38b4a9b9777 p {margin-bottom:1.75em !important;  } .ld_fancy_heading_6a38b4a9b9777 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;background:#b8952c!important;}.ld_fancy_heading_6a38b4a9b9777 p {font-size:18px; } .ld_fancy_heading_6a38b4a9b9777 p {line-height:1.35em; } .ld_fancy_heading_6a38b4a9b9777 p {--element-line-height:1.35em; } .ld_fancy_heading_6a38b4a9b9777 p {margin-bottom:1.75em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a38b4a9b9777\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"  data-inview=\"true\" data-transition-delay=\"true\" data-delay-options=\"{&quot;elements&quot;:&quot;.lqd-highlight-inner&quot;,&quot;delayType&quot;:&quot;transition&quot;}\"  >  Single-family homes, multi-family buildings, land, condominiums and cottages are generally eligible for a mortgage. Lenders are solely interested in homes that meet well-defined technical and legal standards.<\/p>\n<p>Each of the financial institutions that we at <mark class=\"lqd-highlight\"><span class=\"lqd-highlight-txt\"  >Team Distinction<\/span><span class=\"lqd-highlight-inner\"><svg class=\"lqd-highlight-brush-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"235.509\" height=\"13.504\" viewBox=\"0 0 235.509 13.504\" aria-hidden=\"true\" preserveAspectRatio=\"none\"><path 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transform=\"translate(0 0.002)\"\/><\/svg><\/span><\/mark> work with determine their respective criteria.<\/p><\/div><style>.ld_button_6a38b4a9b9cf9.btn-icon-solid .btn-icon{background:#b8952c;}.ld_button_6a38b4a9b9cf9.btn-icon-circle.btn-icon-ripple .btn-icon:before{border-color:#b8952c;}.ld_button_6a38b4a9b9cf9.btn-icon-solid:hover .btn-icon{background:rgb(0, 0, 0);}.ld_button_6a38b4a9b9cf9{background-color:#b8952c;border-color:#b8952c;}.ld_button_6a38b4a9b9cf9:hover{background-color:rgb(0, 0, 0);border-color:rgb(0, 0, 0);color:rgb(255, 255, 255);}.ld_button_6a38b4a9b9cf9 .btn-gradient-bg-hover{background:-webkit-linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);background:linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);}.ld_button_6a38b4a9b9cf9 .btn-gradient-border defs stop:first-child{stop-color:#b8952c;}.ld_button_6a38b4a9b9cf9 .btn-gradient-border defs stop:last-child{stop-color:#b8952c;}.ld_button_6a38b4a9b9cf9:hover .btn-gradient-border defs stop:first-child{stop-color:rgb(0, 0, 0);}.ld_button_6a38b4a9b9cf9:hover .btn-gradient-border defs stop:last-child{stop-color:rgb(0, 0, 0);}<\/style><a href=\"\/en\/contact-us\/#contact\" class=\"btn btn-solid text-uppercase btn-hover-txt-liquid-x btn-xsm circle border-thin btn-hover-swp btn-has-label ld_button_6a38b4a9b9cf9 vc_custom_1671064781964\" >\n\t<span>\n\t\n\t\t\t\t\t<span class=\"btn-txt\" data-text=\"Analyze my situation\" data-split-text=\"true\"\n\t\t\t\t\t    data-split-options='{\"type\": \"chars, words\"}'>Analyze my situation<\/span>\n\t\t\n\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t\t\t<\/span>\n<\/a>\n[\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; gap=&#8221;0&#8243; equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;1&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; css=&#8221;.vc_custom_1661769109980{background-color: #fafafa !important;}&#8221;][vc_column row_scale_bg_onhover=&#8221;yes&#8221; enable_overlay=&#8221;yes&#8221; align=&#8221;text-center&#8221; offset=&#8221;vc_col-md-6&#8243; css=&#8221;.vc_custom_1661770385555{padding-top: 30vw !important;padding-bottom: 30vw !important;background-image: url(https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/08\/ux-indonesia-8mikJ83LmSQ-unsplash.jpg?id=1057) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221; responsive_align=&#8221;text-center&#8221; responsive_css=&#8221;padding_top_medium:15vw|padding_bottom_medium:15vw|padding_top_small:25vw|padding_bottom_small:25vw&#8221; overlay_bg=&#8221;rgba(0, 0, 0, 0.57)&#8221;][\/vc_column][vc_column enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;0&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; responsive_css=&#8221;padding_top_medium:90px|padding_right_medium:12%25|padding_bottom_medium:90px|padding_left_medium:12%25&#8243; css=&#8221;.vc_custom_1607346561233{padding-top: 60px !important;padding-right: 15px !important;padding-left: 15px !important;}&#8221; offset=&#8221;vc_col-md-6&#8243; ca_duration=&#8221;1800&#8243; ca_delay=&#8221;180&#8243; ca_init_translate_x=&#8221;0&#8243; ca_init_translate_y=&#8221;35&#8243;]<style>.ld_fancy_heading_6a38b4a9ba204 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}<\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a38b4a9ba204\">\n\t<h2 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  The mortgage process<\/h2><\/div><style>.ld_fancy_heading_6a38b4a9ba826 p {font-size:17px; } .ld_fancy_heading_6a38b4a9ba826 p {line-height:28px; } .ld_fancy_heading_6a38b4a9ba826 p {--element-line-height:28px; } .ld_fancy_heading_6a38b4a9ba826 p {margin-bottom:1.5em !important;  } .ld_fancy_heading_6a38b4a9ba826 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a38b4a9ba826 p {font-size:17px; } .ld_fancy_heading_6a38b4a9ba826 p {line-height:28px; } .ld_fancy_heading_6a38b4a9ba826 p {--element-line-height:28px; } .ld_fancy_heading_6a38b4a9ba826 p {margin-bottom:1.5em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a38b4a9ba826\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-lines\"   data-split-text=\"true\" data-split-options='{\"type\":\"lines\"}'>  The mortgage process follows a specific sequence. The first step is to verify your eligibility, starting with a pre-qualification and\/or pre-approval application. This is how a mortgage broker determines your maximum borrowing capacity. A mortgage broker can also guarantee an interest rate for you for a set period of time, often 30 to 120 days.<\/p><\/div><style>.ld_fancy_heading_6a38b4a9bae7a p {font-size:17px; } .ld_fancy_heading_6a38b4a9bae7a p {line-height:28px; } .ld_fancy_heading_6a38b4a9bae7a p {--element-line-height:28px; } .ld_fancy_heading_6a38b4a9bae7a p {margin-bottom:1.5em !important;  } .ld_fancy_heading_6a38b4a9bae7a .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a38b4a9bae7a p {font-size:17px; } .ld_fancy_heading_6a38b4a9bae7a p {line-height:28px; } .ld_fancy_heading_6a38b4a9bae7a p {--element-line-height:28px; } .ld_fancy_heading_6a38b4a9bae7a p {margin-bottom:1.5em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a38b4a9bae7a\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-lines\"   data-split-text=\"true\" data-split-options='{\"type\":\"lines\"}'>  A mortgage professional will analyze your finances as part of the pre-qualification process. Their analysis will consider:<\/p><\/div><style>.ld_list_6a38b4a9bb128 li{margin-bottom:px;}<\/style><div class=\"one-bullet-list\">\n\n\t<ul id=\"ld_list_6a38b4a9bb128\" class=\"reset-ul ld_list_6a38b4a9bb128\">\n\t\t<li>Your credit rating;<\/li><li>Your professional situation and stability;<\/li><li>Your monthly income;<\/li><li>Your debts;<\/li><li>Your current expenses;<\/li>\t<\/ul>\n\n<\/div><!-- \/.one-bullet-list --><style>.ld_fancy_heading_6a38b4a9bb256 p {font-size:17px; } .ld_fancy_heading_6a38b4a9bb256 p {line-height:28px; } .ld_fancy_heading_6a38b4a9bb256 p {--element-line-height:28px; } .ld_fancy_heading_6a38b4a9bb256 p {margin-top:1.5em !important; margin-bottom:1.5em !important;  } .ld_fancy_heading_6a38b4a9bb256 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;background:rgb(184, 149, 44)!important;}.ld_fancy_heading_6a38b4a9bb256 p {font-size:17px; } .ld_fancy_heading_6a38b4a9bb256 p {line-height:28px; } .ld_fancy_heading_6a38b4a9bb256 p {--element-line-height:28px; } .ld_fancy_heading_6a38b4a9bb256 p {margin-top:1.5em !important; margin-bottom:1.5em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a38b4a9bb256\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-lines\"   data-split-text=\"true\" data-split-options='{\"type\":\"lines\"}'>  Mortgage pre-approvals can be done by:<\/p><\/div><style>.ld_list_6a38b4a9bb340 li{margin-bottom:px;}<\/style><div class=\"one-bullet-list\">\n\n\t<ul id=\"ld_list_6a38b4a9bb340\" class=\"reset-ul ld_list_6a38b4a9bb340\">\n\t\t<li>Credit unions;<\/li><li>Mortgage companies;<\/li><li>Insurance companies;<\/li><li>Trust companies;<\/li><li>Mortgage brokers (such as those of Team Distinction!)<\/li>\t<\/ul>\n\n<\/div><!-- \/.one-bullet-list --><style>.ld_button_6a38b4a9bb42e.btn-icon-solid .btn-icon{background:#b8952c;}.ld_button_6a38b4a9bb42e.btn-icon-circle.btn-icon-ripple .btn-icon:before{border-color:#b8952c;}.ld_button_6a38b4a9bb42e.btn-icon-solid:hover .btn-icon{background:rgb(0, 0, 0);}.ld_button_6a38b4a9bb42e{background-color:#b8952c;border-color:#b8952c;}.ld_button_6a38b4a9bb42e:hover{background-color:rgb(0, 0, 0);border-color:rgb(0, 0, 0);color:rgb(255, 255, 255);}.ld_button_6a38b4a9bb42e .btn-gradient-bg-hover{background:-webkit-linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);background:linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);}.ld_button_6a38b4a9bb42e .btn-gradient-border defs stop:first-child{stop-color:#b8952c;}.ld_button_6a38b4a9bb42e .btn-gradient-border defs stop:last-child{stop-color:#b8952c;}.ld_button_6a38b4a9bb42e:hover .btn-gradient-border defs stop:first-child{stop-color:rgb(0, 0, 0);}.ld_button_6a38b4a9bb42e:hover .btn-gradient-border defs stop:last-child{stop-color:rgb(0, 0, 0);}<\/style><a href=\"\/en\/new-mortgage\/\" class=\"btn btn-solid text-uppercase btn-hover-txt-liquid-x btn-xsm circle border-thin btn-hover-swp btn-has-label ld_button_6a38b4a9bb42e vc_custom_1671064795280\" >\n\t<span>\n\t\n\t\t\t\t\t<span class=\"btn-txt\" data-text=\"I want to buy\" data-split-text=\"true\"\n\t\t\t\t\t    data-split-options='{\"type\": \"chars, words\"}'>I want to buy<\/span>\n\t\t\n\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t\t\t<\/span>\n<\/a>\n[\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; gap=&#8221;0&#8243; equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;1&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; css=&#8221;.vc_custom_1662461227743{background-color: #fafafa !important;}&#8221;][vc_column enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;0&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; responsive_css=&#8221;padding_top_medium:90px|padding_right_medium:12%25|padding_bottom_medium:90px|padding_left_medium:12%25&#8243; css=&#8221;.vc_custom_1607346561233{padding-top: 60px !important;padding-right: 15px !important;padding-left: 15px !important;}&#8221; offset=&#8221;vc_col-md-6&#8243; ca_duration=&#8221;1800&#8243; ca_delay=&#8221;180&#8243; ca_init_translate_x=&#8221;0&#8243; ca_init_translate_y=&#8221;35&#8243;]<style>.ld_fancy_heading_6a38b4a9bb916 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}<\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a38b4a9bb916\">\n\t<h2 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Documents to be provided<\/h2><\/div><style>.ld_fancy_heading_6a38b4a9bbf2c p {font-size:17px; } .ld_fancy_heading_6a38b4a9bbf2c p {line-height:28px; } .ld_fancy_heading_6a38b4a9bbf2c p {--element-line-height:28px; } .ld_fancy_heading_6a38b4a9bbf2c .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a38b4a9bbf2c p {font-size:17px; } .ld_fancy_heading_6a38b4a9bbf2c p {line-height:28px; } .ld_fancy_heading_6a38b4a9bbf2c p {--element-line-height:28px; } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a38b4a9bbf2c\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-lines\"   data-split-text=\"true\" data-split-options='{\"type\":\"lines\"}'>  To verify your eligibility as a borrower, you must prove that you are financially and professionally stable. To do so, your broker or desired lender will require you to provide an assortment of documents, including:<\/p><\/div><style>.ld_fancy_heading_6a38b4a9bc567 p {font-size:16px; } .ld_fancy_heading_6a38b4a9bc567 p {line-height:28px; } .ld_fancy_heading_6a38b4a9bc567 p {--element-line-height:28px; } .ld_fancy_heading_6a38b4a9bc567 p {margin-bottom:1.5em !important;  } .ld_fancy_heading_6a38b4a9bc567 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a38b4a9bc567 p {font-size:16px; } .ld_fancy_heading_6a38b4a9bc567 p {line-height:28px; } .ld_fancy_heading_6a38b4a9bc567 p {--element-line-height:28px; } .ld_fancy_heading_6a38b4a9bc567 p {margin-bottom:1.5em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a38b4a9bc567\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-lines\"   data-split-text=\"true\" data-split-options='{\"type\":\"lines\"}' data-custom-animations=\"true\" data-ca-options='{\"triggerHandler\":\"inview\",\"animationTarget\":\".lqd-lines > .split-inner\",\"duration\":\"2000\",\"delay\":\"200\",\"ease\":\"power1.in\",\"direction\":\"backward\",\"initValues\":{\"y\":35},\"animations\":{\"y\":0}}'>  <\/p>\n<ul>\n<li>Photo identification (passport, driver&#8217;s license, etc.);<\/li>\n<li>Proof of employment (pay stub, employment confirmation letter, etc.);<\/li>\n<li>Documents pertaining to your assets, such as the registration certificate for a car or boat, or the title to a cottage;<\/li>\n<li>Bank documents (e.g., monthly account statements);<\/li>\n<li>Other proof of income such as tax documents (if you are self-employed, for instance)<\/li>\n<li>Proof of a sufficient down payment<\/li>\n<\/ul>\n<p><\/p><\/div><style>.ld_button_6a38b4a9bc925.btn-icon-solid .btn-icon{background:#b8952c;}.ld_button_6a38b4a9bc925.btn-icon-circle.btn-icon-ripple .btn-icon:before{border-color:#b8952c;}.ld_button_6a38b4a9bc925.btn-icon-solid:hover .btn-icon{background:rgb(0, 0, 0);}.ld_button_6a38b4a9bc925{background-color:#b8952c;border-color:#b8952c;}.ld_button_6a38b4a9bc925:hover{background-color:rgb(0, 0, 0);border-color:rgb(0, 0, 0);color:rgb(255, 255, 255);}.ld_button_6a38b4a9bc925 .btn-gradient-bg-hover{background:-webkit-linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);background:linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);}.ld_button_6a38b4a9bc925 .btn-gradient-border defs stop:first-child{stop-color:#b8952c;}.ld_button_6a38b4a9bc925 .btn-gradient-border defs stop:last-child{stop-color:#b8952c;}.ld_button_6a38b4a9bc925:hover .btn-gradient-border defs stop:first-child{stop-color:rgb(0, 0, 0);}.ld_button_6a38b4a9bc925:hover .btn-gradient-border defs stop:last-child{stop-color:rgb(0, 0, 0);}<\/style><a href=\"\/en\/contact-us\/#contact\" class=\"btn btn-solid text-uppercase btn-hover-txt-liquid-x btn-xsm circle border-thin btn-hover-swp btn-has-label ld_button_6a38b4a9bc925 vc_custom_1671064868069\" >\n\t<span>\n\t\n\t\t\t\t\t<span class=\"btn-txt\" data-text=\"Discuss with a broker\" data-split-text=\"true\"\n\t\t\t\t\t    data-split-options='{\"type\": \"chars, words\"}'>Discuss with a broker<\/span>\n\t\t\n\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t\t\t<\/span>\n<\/a>\n[\/vc_column][vc_column row_scale_bg_onhover=&#8221;yes&#8221; enable_overlay=&#8221;yes&#8221; column_top_onmobile=&#8221;yes&#8221; bg_position=&#8221;center center&#8221; align=&#8221;text-center&#8221; offset=&#8221;vc_col-md-6&#8243; css=&#8221;.vc_custom_1662460547498{padding-top: 30vw !important;padding-bottom: 30vw !important;background-image: url(https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/08\/arisa-chattasa-0LaBRkmH4fM-unsplash.jpg?id=1061) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221; responsive_align=&#8221;text-center&#8221; responsive_css=&#8221;padding_top_medium:15vw|padding_bottom_medium:15vw|padding_top_small:25vw|padding_bottom_small:25vw&#8221; overlay_bg=&#8221;rgba(0, 0, 0, 0.53)&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; gap=&#8221;0&#8243; equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;1&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; css=&#8221;.vc_custom_1662461319258{background-color: #fafafa !important;}&#8221;][vc_column row_scale_bg_onhover=&#8221;yes&#8221; enable_overlay=&#8221;yes&#8221; align=&#8221;text-center&#8221; offset=&#8221;vc_col-md-6&#8243; css=&#8221;.vc_custom_1661857600235{padding-top: 30vw !important;padding-bottom: 30vw !important;background-image: url(https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/08\/alexander-andrews-Dr6VBM0KNsw-unsplash.jpg?id=1062) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221; responsive_align=&#8221;text-center&#8221; responsive_css=&#8221;padding_top_medium:15vw|padding_bottom_medium:15vw|padding_top_small:25vw|padding_bottom_small:25vw&#8221; overlay_bg=&#8221;rgba(0, 0, 0, 0.47)&#8221;][\/vc_column][vc_column enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;0&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; responsive_css=&#8221;padding_top_medium:90px|padding_right_medium:12%25|padding_bottom_medium:90px|padding_left_medium:12%25&#8243; css=&#8221;.vc_custom_1607346561233{padding-top: 60px !important;padding-right: 15px !important;padding-left: 15px !important;}&#8221; offset=&#8221;vc_col-md-6&#8243; ca_duration=&#8221;1800&#8243; ca_delay=&#8221;180&#8243; ca_init_translate_x=&#8221;0&#8243; ca_init_translate_y=&#8221;35&#8243;]<style>.ld_fancy_heading_6a38b4a9bce47 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}<\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a38b4a9bce47\">\n\t<h2 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Factors that influence your mortgage file<\/h2><\/div><style>.ld_fancy_heading_6a38b4a9bd4c9 p {font-size:17px; } .ld_fancy_heading_6a38b4a9bd4c9 p {line-height:28px; } .ld_fancy_heading_6a38b4a9bd4c9 p {--element-line-height:28px; } .ld_fancy_heading_6a38b4a9bd4c9 p {margin-bottom:1.5em !important;  } .ld_fancy_heading_6a38b4a9bd4c9 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a38b4a9bd4c9 p {font-size:17px; } .ld_fancy_heading_6a38b4a9bd4c9 p {line-height:28px; } .ld_fancy_heading_6a38b4a9bd4c9 p {--element-line-height:28px; } .ld_fancy_heading_6a38b4a9bd4c9 p {margin-bottom:1.5em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a38b4a9bd4c9\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-lines\"   data-split-text=\"true\" data-split-options='{\"type\":\"lines\"}'>  In our experience, lenders avoid signing with high-risk clients. Instead, they pay close attention to signs of financial solvency. To increase your chances of pre-qualification, keep these factors in mind:<\/p><\/div><style>.ld_list_6a38b4a9bda63 li{margin-bottom:px;}<\/style><div class=\"one-bullet-list\">\n\n\t<ul id=\"ld_list_6a38b4a9bda63\" class=\"reset-ul ld_list_6a38b4a9bda63\">\n\t\t<li>The larger your down payment (e.g. more than 5% of the purchase price of your home)<\/li><li> the more trust you gain;<\/li><li>Make sure you have enough savings for the closing costs<\/li><li> some maintenance and moving expenses (all of which are not included in your mortgage);<\/li><li>Remember that the amount of your mortgage depends on the value of the property you purchase (being realistic in your choice increases your chances of approval)<\/li>\t<\/ul>\n\n<\/div><!-- \/.one-bullet-list --><style>.ld_button_6a38b4a9bdb79.btn-icon-solid .btn-icon{background:#b8952c;}.ld_button_6a38b4a9bdb79.btn-icon-circle.btn-icon-ripple .btn-icon:before{border-color:#b8952c;}.ld_button_6a38b4a9bdb79.btn-icon-solid:hover .btn-icon{background:rgb(0, 0, 0);}.ld_button_6a38b4a9bdb79{background-color:#b8952c;border-color:#b8952c;}.ld_button_6a38b4a9bdb79:hover{background-color:rgb(0, 0, 0);border-color:rgb(0, 0, 0);color:rgb(255, 255, 255);}.ld_button_6a38b4a9bdb79 .btn-gradient-bg-hover{background:-webkit-linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);background:linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);}.ld_button_6a38b4a9bdb79 .btn-gradient-border defs stop:first-child{stop-color:#b8952c;}.ld_button_6a38b4a9bdb79 .btn-gradient-border defs stop:last-child{stop-color:#b8952c;}.ld_button_6a38b4a9bdb79:hover .btn-gradient-border defs stop:first-child{stop-color:rgb(0, 0, 0);}.ld_button_6a38b4a9bdb79:hover .btn-gradient-border defs stop:last-child{stop-color:rgb(0, 0, 0);}<\/style><a href=\"\/en\/contact-us\/#contact\" class=\"btn btn-solid text-uppercase btn-hover-txt-liquid-x btn-xsm circle border-thin btn-hover-swp btn-has-label ld_button_6a38b4a9bdb79 vc_custom_1671064884000\" >\n\t<span>\n\t\n\t\t\t\t\t<span class=\"btn-txt\" data-text=\"Analyze my situation\" data-split-text=\"true\"\n\t\t\t\t\t    data-split-options='{\"type\": \"chars, words\"}'>Analyze my situation<\/span>\n\t\t\n\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t\t\t<\/span>\n<\/a>\n<style>.ld_spacer_6a38b4a9be1a5{height:32px;}<\/style>\n<div class=\"ld-empty-space ld_spacer_6a38b4a9be1a5\"><\/div>[\/vc_column][\/vc_row][vc_row equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1662461038617{padding-top: 60px !important;padding-bottom: 20px !important;}&#8221; responsive_css=&#8221;padding_top_medium:120px|padding_bottom_medium:50px&#8221;][vc_column enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;0&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; align=&#8221;text-center&#8221; offset=&#8221;vc_col-md-offset-3 vc_col-md-6&#8243; css=&#8221;.vc_custom_1662461164400{margin-bottom: 50px !important;}&#8221; ca_duration=&#8221;1800&#8243; ca_delay=&#8221;180&#8243; ca_init_translate_y=&#8221;35&#8243; responsive_align=&#8221;text-center&#8221;]<style>.ld_fancy_heading_6a38b4a9be2d9 h6{background:#edf3f7;}.ld_fancy_heading_6a38b4a9be2d9 h6 {font-size:13px; } .ld_fancy_heading_6a38b4a9be2d9 h6 {letter-spacing:0.05em; } .ld_fancy_heading_6a38b4a9be2d9 h6 {padding-top:6px !important; padding-right:13px !important; padding-bottom:6px !important; padding-left:13px !important;  } .ld_fancy_heading_6a38b4a9be2d9 h6 {margin-bottom:1.75em !important;  } .ld_fancy_heading_6a38b4a9be2d9 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a38b4a9be2d9 h6 {font-size:13px; } .ld_fancy_heading_6a38b4a9be2d9 h6 {letter-spacing:0.05em; } .ld_fancy_heading_6a38b4a9be2d9 h6 {padding-top:6px !important; padding-right:13px !important; padding-bottom:6px !important; padding-left:13px !important;  } .ld_fancy_heading_6a38b4a9be2d9 h6 {margin-bottom:1.75em !important;  } <\/style><div class=\"ld-fancy-heading ld-fh-has-fill text-uppercase ld_fancy_heading_6a38b4a9be2d9\">\n\t<h6 class=\"ld-fh-element circle lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Complex situation<\/h6><\/div><style>.ld_fancy_heading_6a38b4a9be979 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}<\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a38b4a9be979\">\n\t<h2 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Think your situation is complex?<\/h2><\/div>[\/vc_column][vc_column][vc_row_inner enable_content_animation=&#8221;yes&#8221; equal_height=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;0&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; ca_duration=&#8221;1800&#8243; ca_delay=&#8221;180&#8243; ca_init_translate_y=&#8221;60&#8243; ca_init_rotate_x=&#8221;-25&#8243;][vc_column_inner enable_hover_move=&#8221;lqd-column-move-onhover&#8221; hover_move_value=&#8221;-5px&#8221;]<style>.ld_icon_box_6a38b4a9bf00c .lqd-iconbox-title{margin-bottom:15px;font-size:22px;}.ld_icon_box_6a38b4a9bf00c{background:rgb(255, 255, 255);}.ld_icon_box_6a38b4a9bf00c .iconbox-icon-container{border-radius:px;}<\/style>\n<div class=\"iconbox iconbox-side text-align-default iconbox-round iconbox-shadow iconbox-xs iconbox-filled ld_icon_box_6a38b4a9bf00c\" id=\"ld_icon_box_6a38b4a9bf00c\"  data-animate-icon=\"true\"  >\n\t\n\t\t\t\t\t\n\t\n\t<div class=\"iconbox-icon-wrap\"><span class=\"iconbox-icon-container\"><i class=\"fas fa-hand-holding-usd\"><\/i><\/span><\/div>\t\n\t\t\n\t<div class=\"contents\">\t\n\t\t\n\t\t<p>In theory, mortgage financing is available to any Canadian citizen deemed creditworthy. In certain situations, such as those below, specific procedures must be followed when applying for a mortgage.<\/p>\n<p>&nbsp;<\/p>\n<p>Find out if any of these apply to you:<\/p>\n\t\t\n\t<\/div>\t\n\t\n<\/div>\n[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row gap=&#8221;35&#8243; content_placement=&#8221;middle&#8221; enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;1&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; ca_duration=&#8221;1800&#8243; ca_delay=&#8221;180&#8243; ca_init_translate_y=&#8221;35&#8243; responsive_css=&#8221;margin_bottom_large:100px&#8221;][vc_column enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;1&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; ca_duration=&#8221;1800&#8243; ca_delay=&#8221;180&#8243; ca_init_translate_y=&#8221;35&#8243;]<style>.vc_accordion_6a38b4a9c1653 .accordion-title{font-size:19px;line-height:1.75em;font-weight:600;}.vc_accordion_6a38b4a9c1653 .accordion-title a{color:rgb(0, 0, 0);}.vc_accordion_6a38b4a9c1653 .accordion-item.active .accordion-title a{color:rgb(0, 0, 0);}.vc_accordion_6a38b4a9c1653 .accordion-title a, .vc_accordion_6a38b4a9c1653 .accordion-item{border-color:rgba(184, 149, 44, 0.8);}.vc_accordion_6a38b4a9c1653 .accordion-item.active .accordion-title a, .vc_accordion_6a38b4a9c1653 .accordion-item.active{border-color:#b8952c;}<\/style><div class=\"accordion accordion-lg accordion-title-underlined accordion-expander-lg vc_accordion_6a38b4a9c1653\" id=\"vc_accordion_6a38b4a9c1653\"\n     role=\"tablist\" aria-multiselectable=\"true\">\n\n\t            <div class=\"accordion-item panel  active \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1588594296702-fdd94918-81f9225a-849c\" data-id=\"lqd-1588594296702-fdd94918-81f9225a-849c\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1588594296702-fdd94918-81f9225a-849c\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_6a38b4a9c1653\" data-bs-parent=\"#vc_accordion_6a38b4a9c1653\" href=\"#lqd-1588594296702-fdd94918-81f9225a-849c\" data-bs-target=\"#lqd-1588594296702-fdd94918-81f9225a-849c\"\n                           aria-expanded=\"true\" aria-controls=\"lqd-1588594296702-fdd94918-81f9225a-849c\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tNew property purchase\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1588594296702-fdd94918-81f9225a-849c\" class=\"accordion-collapse collapse show\"\n                    data-bs-parent=\"#vc_accordion_6a38b4a9c1653\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1588594296702-fdd94918-81f9225a-849c\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_6a38b4a9bf866 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}<\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a38b4a9bf866\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  If you&#8217;re looking to buy a home, you must consider the available mortgage rates, but not rates alone! While the rate is important, you should also think about the loan\u2019s terms and conditions. With a Team Distinction broker, you\u2019ll get a &#8220;two for one&#8221; service. They will secure you the best rate based on your needs AND negotiate the best possible mortgage conditions (e.g. minimum closing costs).<\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1588594383516-68391adc-4eea225a-849c\" data-id=\"lqd-1588594383516-68391adc-4eea225a-849c\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1588594383516-68391adc-4eea225a-849c\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_6a38b4a9c1653\" data-bs-parent=\"#vc_accordion_6a38b4a9c1653\" href=\"#lqd-1588594383516-68391adc-4eea225a-849c\" data-bs-target=\"#lqd-1588594383516-68391adc-4eea225a-849c\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1588594383516-68391adc-4eea225a-849c\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tYou are buying your first home\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1588594383516-68391adc-4eea225a-849c\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_6a38b4a9c1653\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1588594383516-68391adc-4eea225a-849c\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_6a38b4a9c03aa .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}<\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a38b4a9c03aa\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  For first-time buyers, lenders may be flexible in their requirements. Theoretically, your minimum down payment will be 5-10% of the purchase price; this may fluctuate depending on the price of the property. You must simply prove your ability to pay the costs associated with the purchase.<\/p>\n<p>To acquire the down payment, you can use the Home Buyers&#8217; Plan (HBP). This program allows you to withdraw money (up to $35,000) from your Registered Retirement Savings Plan (RRSP) without fees or penalties.<\/p>\n<p>Your eligibility for the HBP depends on several conditions, including:<\/p><\/div><style>.ld_list_6a38b4a9c0aa2 li{margin-bottom:px;}<\/style><div class=\"one-bullet-list\">\n\n\t<ul id=\"ld_list_6a38b4a9c0aa2\" class=\"reset-ul ld_list_6a38b4a9c0aa2\">\n\t\t<li>Reside in Canada or Quebec at the time of withdrawal;<\/li><li>Intend to occupy the home as their principal place of residence within one year of purchase;<\/li><li>Be able to justify the withdrawal by acquiring or constructing a qualifying home for yourself or a related person with a disability.<\/li>\t<\/ul>\n\n<\/div><!-- \/.one-bullet-list --><style>.ld_fancy_heading_6a38b4a9c0bf5 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}<\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a38b4a9c0bf5\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Note that the HBP program can be combined with the federal government&#8217;s Affordable Housing Program and assistance from the Canada Mortgage and Housing Corporation (CMHC), should you meet the eligibility criteria. For more information, do not hesitate to contact a broker of Team Distinction.<\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1588594394127-bf7b723e-2841225a-849c\" data-id=\"lqd-1588594394127-bf7b723e-2841225a-849c\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1588594394127-bf7b723e-2841225a-849c\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_6a38b4a9c1653\" data-bs-parent=\"#vc_accordion_6a38b4a9c1653\" href=\"#lqd-1588594394127-bf7b723e-2841225a-849c\" data-bs-target=\"#lqd-1588594394127-bf7b723e-2841225a-849c\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1588594394127-bf7b723e-2841225a-849c\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tYou are self-employed\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1588594394127-bf7b723e-2841225a-849c\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_6a38b4a9c1653\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1588594394127-bf7b723e-2841225a-849c\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_6a38b4a9c0fae p {margin-bottom:1.5em !important;  } .ld_fancy_heading_6a38b4a9c0fae .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a38b4a9c0fae p {margin-bottom:1.5em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a38b4a9c0fae\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  It is possible to obtain a mortgage loan while working for yourself!<br \/>\nYour eligibility is based on a few factors:<\/p><\/div><style>.ld_list_6a38b4a9c10c3 li{margin-bottom:px;}<\/style><div class=\"one-bullet-list\">\n\n\t<ul id=\"ld_list_6a38b4a9c10c3\" class=\"reset-ul ld_list_6a38b4a9c10c3\">\n\t\t<li>Be self-employed for at least two years;<\/li><li>Provide proof of declared income for the previous 2 tax years;<\/li><li>Present a favorable credit rating;<\/li><li>Have a down payment of 5-10% of the purchase price;<\/li>\t<\/ul>\n\n<\/div><!-- \/.one-bullet-list -->                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1661855871160-b79c350d-1eb6\" data-id=\"lqd-1661855871160-b79c350d-1eb6\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1661855871160-b79c350d-1eb6\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_6a38b4a9c1653\" data-bs-parent=\"#vc_accordion_6a38b4a9c1653\" href=\"#lqd-1661855871160-b79c350d-1eb6\" data-bs-target=\"#lqd-1661855871160-b79c350d-1eb6\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1661855871160-b79c350d-1eb6\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tIf your credit rating is unfavorable\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1661855871160-b79c350d-1eb6\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_6a38b4a9c1653\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1661855871160-b79c350d-1eb6\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_6a38b4a9c1219 p {margin-bottom:1.5em !important;  } .ld_fancy_heading_6a38b4a9c1219 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a38b4a9c1219 p {margin-bottom:1.5em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a38b4a9c1219\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  As you might expect, if you have poor credit history due to late payments or high debt, your mortgage application is likely to be turned down. With that, a low credit score doesn&#8217;t mean &#8220;your dog is dead&#8221;! With the help of an experienced broker from Team Distinction, we can strategize a plan based on your current and future ability to repay lingering debts.<\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1670383512258-83103616-12a5\" data-id=\"lqd-1670383512258-83103616-12a5\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1670383512258-83103616-12a5\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_6a38b4a9c1653\" data-bs-parent=\"#vc_accordion_6a38b4a9c1653\" href=\"#lqd-1670383512258-83103616-12a5\" data-bs-target=\"#lqd-1670383512258-83103616-12a5\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1670383512258-83103616-12a5\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tYou opt for a self-build\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1670383512258-83103616-12a5\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_6a38b4a9c1653\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1670383512258-83103616-12a5\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_6a38b4a9c13eb p {margin-bottom:1.5em !important;  } .ld_fancy_heading_6a38b4a9c13eb .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a38b4a9c13eb p {margin-bottom:1.5em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a38b4a9c13eb\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Planning to build your own home? Lenders are also willing to finance this type of project, in exchange for a minimum down payment of 20% and an &#8220;ironclad&#8221; credit history. In this situation, your mortgage must cover both the price of the land and the cost of labor and materials. The project\u2019s estimate must be as precise as possible to avoid unwanted surprise expenses &#8211; which happens more often than one might think!<\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1661855941911-024aa90f-b52e\" data-id=\"lqd-1661855941911-024aa90f-b52e\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1661855941911-024aa90f-b52e\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_6a38b4a9c1653\" data-bs-parent=\"#vc_accordion_6a38b4a9c1653\" href=\"#lqd-1661855941911-024aa90f-b52e\" data-bs-target=\"#lqd-1661855941911-024aa90f-b52e\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1661855941911-024aa90f-b52e\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tYour purchase requires renovations\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1661855941911-024aa90f-b52e\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_6a38b4a9c1653\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1661855941911-024aa90f-b52e\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_6a38b4a9c159c p {margin-bottom:1.5em !important;  } .ld_fancy_heading_6a38b4a9c159c .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a38b4a9c159c p {margin-bottom:1.5em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a38b4a9c159c\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Have you decided on a house that needs a lot of love? A purchase-renovation mortgage is an interesting solution for homes that require little to major work. The amount of the mortgage includes both the purchase price and the estimated cost of the work.<\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t<\/div>[\/vc_column][\/vc_row][vc_row responsive_css=&#8221;margin_bottom_medium:100px|padding_top_medium:50px|padding_bottom_medium:75px&#8221; css=&#8221;.vc_custom_1662460934608{margin-bottom: 100px !important;padding-top: 35px !important;padding-bottom: 35px !important;}&#8221;][vc_column gradient_bg_color=&#8221;linear-gradient(134deg, rgb(0, 0, 0) 17.197452229299362%, rgb(81, 81, 81) 100%)&#8221; css=&#8221;.vc_custom_1660822563252{border-radius: 5px !important;}&#8221;][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; gap=&#8221;0&#8243;][vc_column_inner width=&#8221;2\/3&#8243; responsive_css=&#8221;padding_right_large:50px|padding_left_large:50px|border_right_medium:1px|border_bottom_medium:0px|padding_top_medium:75px|padding_right_medium:30px|padding_bottom_medium:75px|padding_left_medium:55px&#8221; css=&#8221;.vc_custom_1660821589205{border-right-width: 0px !important;border-bottom-width: 1px !important;padding-top: 35px !important;padding-right: 15px !important;padding-bottom: 35px !important;padding-left: 15px !important;border-right-color: rgba(255,255,255,0.23) !important;border-right-style: solid !important;border-bottom-color: rgba(255,255,255,0.23) !important;border-bottom-style: solid !important;}&#8221;]<style>.ld_fancy_heading_6a38b4a9c183a h2{color:rgb(255, 255, 255);}.ld_fancy_heading_6a38b4a9c183a h2 {font-size:42px; } .ld_fancy_heading_6a38b4a9c183a h2 {line-height:50px; } .ld_fancy_heading_6a38b4a9c183a h2 {--element-line-height:50px; } .ld_fancy_heading_6a38b4a9c183a .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a38b4a9c183a h2 {font-size:42px; } .ld_fancy_heading_6a38b4a9c183a h2 {line-height:50px; } .ld_fancy_heading_6a38b4a9c183a h2 {--element-line-height:50px; } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a38b4a9c183a\">\n\t<h2 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Mortgage in a complex situation<\/h2><\/div><style>.ld_fancy_heading_6a38b4a9c19aa p{color:rgba(255, 255, 255, 0.75);}.ld_fancy_heading_6a38b4a9c19aa p {font-size:17px; } .ld_fancy_heading_6a38b4a9c19aa p {line-height:28px; } .ld_fancy_heading_6a38b4a9c19aa p {--element-line-height:28px; } .ld_fancy_heading_6a38b4a9c19aa p {margin-bottom:1.85em !important;  } .ld_fancy_heading_6a38b4a9c19aa .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a38b4a9c19aa p {font-size:17px; } .ld_fancy_heading_6a38b4a9c19aa p {line-height:28px; } .ld_fancy_heading_6a38b4a9c19aa p {--element-line-height:28px; } .ld_fancy_heading_6a38b4a9c19aa p {margin-bottom:1.85em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a38b4a9c19aa\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Wanting to explore one of these particular situations, the brokers of Team Distinction at Multi-Pr\u00eats Hypoth\u00e8ques can advise you and help bring your project to life!<\/p><\/div><style>.ld_button_6a38b4a9c1b0e.btn-icon-solid .btn-icon{background:#b8952c;}.ld_button_6a38b4a9c1b0e.btn-icon-circle.btn-icon-ripple .btn-icon:before{border-color:#b8952c;}.ld_button_6a38b4a9c1b0e.btn-icon-solid:hover .btn-icon{background:rgb(0, 0, 0);}.ld_button_6a38b4a9c1b0e{background-color:#b8952c;border-color:#b8952c;}.ld_button_6a38b4a9c1b0e:hover{background-color:rgb(0, 0, 0);border-color:rgb(0, 0, 0);color:rgb(255, 255, 255);}.ld_button_6a38b4a9c1b0e .btn-gradient-bg-hover{background:-webkit-linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);background:linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);}.ld_button_6a38b4a9c1b0e .btn-gradient-border defs stop:first-child{stop-color:#b8952c;}.ld_button_6a38b4a9c1b0e .btn-gradient-border defs stop:last-child{stop-color:#b8952c;}.ld_button_6a38b4a9c1b0e:hover .btn-gradient-border defs stop:first-child{stop-color:rgb(0, 0, 0);}.ld_button_6a38b4a9c1b0e:hover .btn-gradient-border defs stop:last-child{stop-color:rgb(0, 0, 0);}<\/style><a href=\"\/en\/new-mortgage\/\" class=\"btn btn-solid text-uppercase btn-hover-txt-liquid-x btn-xsm circle border-thin btn-hover-swp btn-has-label ld_button_6a38b4a9c1b0e vc_custom_1671064818955\" >\n\t<span>\n\t\n\t\t\t\t\t<span class=\"btn-txt\" data-text=\"I want to buy\" data-split-text=\"true\"\n\t\t\t\t\t    data-split-options='{\"type\": \"chars, words\"}'>I want to buy<\/span>\n\t\t\n\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t\t\t<\/span>\n<\/a>\n[\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; responsive_css=&#8221;padding_right_large:50px|padding_left_large:50px|border_right_medium:1px|border_bottom_medium:0px|padding_top_medium:75px|padding_right_medium:30px|padding_bottom_medium:55px|padding_left_medium:45px&#8221; css=&#8221;.vc_custom_1660821597070{border-right-width: 0px !important;border-bottom-width: 1px !important;padding-top: 35px !important;padding-right: 15px !important;padding-bottom: 15px !important;padding-left: 15px !important;border-right-color: rgba(255,255,255,0.23) !important;border-right-style: solid !important;border-bottom-color: rgba(255,255,255,0.23) !important;border-bottom-style: solid !important;}&#8221;]<style>.ld_fancy_heading_6a38b4a9c2032 p{color:rgba(255, 255, 255, 0.75);}.ld_fancy_heading_6a38b4a9c2032 p {font-size:16px; } .ld_fancy_heading_6a38b4a9c2032 p {line-height:28px; } .ld_fancy_heading_6a38b4a9c2032 p {--element-line-height:28px; } .ld_fancy_heading_6a38b4a9c2032 p {margin-bottom:1.85em !important;  } .ld_fancy_heading_6a38b4a9c2032 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a38b4a9c2032 p {font-size:16px; } .ld_fancy_heading_6a38b4a9c2032 p {line-height:28px; } .ld_fancy_heading_6a38b4a9c2032 p {--element-line-height:28px; } .ld_fancy_heading_6a38b4a9c2032 p {margin-bottom:1.85em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a38b4a9c2032\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  To benefit from our expertise, <a href=\"https:\/\/lescourtiershypothecaires.ca\/en\/contact-us\/\">contact us<\/a> today!<\/p><\/div>[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row][vc_column]<style>.ld_fancy_heading_6a38b4a9c2670 h2 {margin-bottom:1em !important;  } .ld_fancy_heading_6a38b4a9c2670 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a38b4a9c2670 h2 {margin-bottom:1em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a38b4a9c2670\">\n\t<h2 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Contact us for an appointment<\/h2><\/div><div id=\"ld_cf7_6a38b4a9c2bd7\" class=\"lqd-contact-form ld_cf7_6a38b4a9c2bd7\">\n\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f5038-o1\" lang=\"fr-FR\" dir=\"ltr\" data-wpcf7-id=\"5038\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/en\/wp-json\/wp\/v2\/pages\/2386#wpcf7-f5038-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Formulaire de contact\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"5038\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"fr_FR\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f5038-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/fieldset>\n<div class=\"row g-4\">\n\t<div class=\"col-12 col-lg-6\">\n\t\t<p><label> <span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" autocomplete=\"name\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Name\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span> <\/label>\n\t\t<\/p>\n\t<\/div>\n\t<div class=\"col-12 col-lg-6\">\n\t\t<p><label> <span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" autocomplete=\"email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Email\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n\t\t<\/p>\n\t<\/div>\n<\/div>\n<div class=\"row g-4\">\n\t<div class=\"col-12 col-lg-6\">\n\t\t<p><label> <span class=\"wpcf7-form-control-wrap\" data-name=\"your-phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" autocomplete=\"phone\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone\" value=\"\" type=\"tel\" name=\"your-phone\" \/><\/span> <\/label>\n\t\t<\/p>\n\t<\/div>\n\t<div class=\"col-12 col-lg-6\">\n\t\t<p><label> <span class=\"wpcf7-form-control-wrap\" data-name=\"slt-pref\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" name=\"slt-pref\"><option value=\"\">Callback preference<\/option><option value=\"Anytimes\">Anytimes<\/option><option value=\"During the day only\">During the day only<\/option><option value=\"During the evening only\">During the evening only<\/option><option value=\"Morning\">Morning<\/option><option value=\"After-noon\">After-noon<\/option><\/select><\/span> <\/label>\n\t\t<\/p>\n\t<\/div>\n<\/div>\n<p><label> <span class=\"wpcf7-form-control-wrap\" data-name=\"your-message\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" placeholder=\"Your question or project ?\" name=\"your-message\"><\/textarea><\/span> <\/label>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"CALL ME BACK\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div>[\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row full_height=&#8221;yes&#8221; 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