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Mortgages with Jeff Ponting

Buying your new home is exciting, and we believe mortgages are exciting 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 you and your family.


What is a mortgage?

A mortgage is essentially a long-term loan which you repay every month. When you are looking to buy your home, you can apply for a pre-approved mortgage , which gives you the maximum amount a lender will give you. Once you've found the house you want, your lender will check it's OK with them, and give you the approved money towards the purchase price. You then pay the mortgage company back the money you borrowed, plus interest, over an extended period of time, usually between 15-25 years.


Finding the best mortgage rates

There are many companies offering different kinds of mortgages - fixed rate mortgages, convertible mortgages, open mortgages, variable rate, high ratio, and all at different interest rates. Finding the ideal mortgage for you can be time-consuming and confusing. That's where Jeff and the team can help, searching out the best deals for you - so you can get on with the fun part of buying a new home instead!


Key features of mortgages

  • The finance you need to buy your new home
  • Repayable over a long time period
  • Tax-efficient
  • Fixed rate mortgages offer fixed repayment amounts for up to 10 years
  • Variable rate mortgages tale advantage of interest rate fluctuations
  • Open mortgages allow you to replay the full amount at any time without penalty
  • Having a mortgage can actually improve your credit rating


How Jeff can help

We work with you to understand exactly what you need from a mortgage, and what best suits your circumstances. We then search for the most suitable mortgage for you at the best rates, including special deals and accounts only available to Ontario mortgage brokers such as ourselves. We will always give you a range of options to choose from, and help with all the required paperwork once you have made your choice. We can also help you renew an existing mortgage, or switch mortgage providers to make the most of changing rates and special deals.


For all things mortgages, call us and make an appointment.

Find Us

Get in Touch

7 St. Andrew Street

Ingersoll, Ontario

N5C 1K6 Canada


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