At Alta West we know that we have a solution to fit your specific needs. We have the experience and knowledge to find you the best product. Whether you're a first time buyer or you're a real estate investor, we have something that will fulfill your needs.
Residential First Mortgages
First Time Buyers
The dream of owning your own home is a goal most Canadians aspire to. While it should be a most rewarding experience, the maze of financing options available can be confusing. Let us take the mystery out of mortgage financing while securing the best terms on the market for you—our valued client.
There are many borrowing options:
- 5% down
- No money down for those with great credit but no downpayment
- 25% down will secure a mortgage without any CMHC fee
We need to start with a pre-approval, you will then know what you can afford and proceed with your purchase. Leave the financing hassles to Alta West!
To start the process apply online or call us today for more information.
Zero Down Payment Mortgages
If you have good credit and good job stability, this may be the right mortgage for you. This product is available for Purchases, Refinances and Equity Take Outs. Excellent credit is necessary and you need to be in the same line of work for a minimum of 2 years.
Apply online or call us today for more information.
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Refinance
Consolidate your bills, renovate, invest or take that dream vacation. These are a few of the many reasons to refinance your home. Whether you have good or bad credit, there are many different lending options available. We'll make sure that you've picked one that works for you.
Take advantage of today's lower rates and save money. Let us secure the best financing solution for you—our valued client.
Apply online or call us today for more information.
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Consolidate Debts
Why not use your valuable home equity to pay out high interest credit cards and loans? At today's low interest rates the savings are substantial and can put hundreds of dollars back in your pocket each month. Eliminate the stress from high monthly payments and improve your quality of life.
We also have second mortgages for the same purposes.
Apply online or call us today for more information.
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Business FS/NIQ
There are some excellent mortgage products for the 20% of Canadians who are self-employed.
If you have excellent credit and a minimum 3 years in business you can purchase a home with as little as 5% down. Take equity out of your property to 85% value. No income proof is required for either of these products!
We can also arrange mortgage financing if your credit is less than perfect up to 85% of value.
Another option would be a second mortgage.
Apply online or call us today for more information.
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Variable Rate Mortgage
Variable rate mortgage payments fluctuate with the Bank of Canada prime rate. If you are comfortable with a payment that will change periodically then this mortgage could save you thousands of dollars. Rates as low as prime minus .95% over 5 years could reduce your monthly payment substantially.
So what happens if prime goes up? You can simply lock in at fully discounted broker rates for any fixed term greater than 3 years.
Apply online or call us today for more information.
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Second Mortgages & Home Equity Loans
Second mortgages and home equity loans are our specialty at Alta West Mortgage. Sometimes it just makes sense to use your hard earned home equity to consolidate debts, do renovations or take that dream holiday! We can even finance bankruptcies and foreclosures. We have both institutional and private lenders that will lend you the money you need today. We lend on home equity so there are no hassles with credit issues or income proof.
Apply online or call us today for more information.
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Construction Financing
Our private funds are available for residential single-family, multi-family and condo construction projects at competitive rates. We require that applicants have building experience or retain a contractor to build the project.
- Muti-family, condos, single-family residential
- Private funds for residential construction projects
- Conventional funds for strong covenants at low rates
Apply online or call us today for more information.
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Commercial Mortgages
Alta West Mortgage has both institutional and private lenders with millions of dollars available for your commercial projects. We can fund purchases; construction and equity take outs on a variety of commercial properties, up to 80% of value. No income proof products available as well.
Apply online or call us today for more information.
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Secured Visa
In today's world a credit card is a necessity. If you have been declined for a credit card in the past, this product may be for you. Credit history is not a factor. The Home Trust Secured Visa will allow you to re-establish credit or establish new credit if you have no credit history.
Home Trust requires a security deposit equal to your credit limit. Credit limits from $1000 to $10,000. Home Trust even pays you interest on your deposit!
Apply online or call us today for more information.
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