Mortgage
We assist in selecting a lender, refining mortgage terms, and optimizing your mortgage for maximum benefit, ensuring you make the best decisions tailored to your needs.
Helping you secure your future with intelligent mortgage insurance solutions, swiftly and effectively.
We educate our clients on their options to make confident, informed decisions that best suit their needs. We help them obtain financing on their home, whether a new purchase, a switch, or a refinance. We offer genuine, complete, and expert information. Our team is positive yet aggressive with lenders so that we can get the deal done. We work for you – our client – to obtain the best value and get you approved.
Buying your new home is exciting, and we believe mortgages are compelling too! A mortgage can give you the freedom to buy your dream house at a price you can afford and allow you to provide a home for yourself and your family.
Residential Mortgages
We work to find you the best mortgage at the best rate. Whether you’re purchasing a home for the first time or wanting to refinance your home mortgage, your mortgage should speak to your individual needs, situation, and financial goals. No two homeowners are alike. That’s why we offer flexible services and low fixed and variable interest rates for first-time homebuyers, those who are self-employed, newcomers to Canada, investment property mortgages.
Home Equity Line of Credit (HELOC)
A Home Equity Line of Credit provides instant available funds that can be spent how you like. The HELOC is secured against your property, so the interest rate is lower than an unsecured line of credit and from based on one prime rate to based on prime rate. The minimum monthly payment required is interest only. Some other benefits of a HELOC are they are fully open and can be paid down as much as you like at any time with no penalty, similar to when you use your credit card you pay it down, then your available limit is still there to use again. You only pay interest on the amount you have used, not your total credit limit.
Commercial Mortgages
Do you want to purchase or refinance your commercial property? Apical Financial Group can help find the right solution for you on time. With decades of combined experience in financing commercial real estate, our team has a thorough understanding of lenders and capital providers for various asset classes. Fused with our expertise, our commercial real estate finance team can create unique and flexible financing structures that work for you.
Private Landing
Think a mortgage from the bank is the only way to finance your loan? Think again. Apical Financial Group has access to private lenders across Canada as well as locally. Whether you’re self-employed or have poor credit, we will guide you in making the right decision for your needs. When you work with us, you can expect expertise in funding residential and commercial construction, development projects, land financing, and other real estates for borrowers who want to invest.
Debt Consolidation
Explore our Debt Consolidation Service tailored for Canadians. We simplify managing multiple debts into one manageable payment. Our experts craft personalized solutions to ease financial stress, providing peace of mind. With our service, you'll streamline your finances and regain control over your debt. Let us help you pave the way to a debt-free future. Take the first step towards financial freedom by discovering our Debt Consolidation Service today.
CHIP Reverse Mortgage
A reverse mortgage allows you to borrow the equity built up in your home through either a lump-sum payment or through monthly deposits. Instead of making mortgage payments, you will be receiving payments. These funds are borrowed and can be up to 55% of the value of your home in Canada. You must be 55 years or older to apply for a reverse mortgage.