- Mortgage Agent Level 1
- License #: M22001766
Turning Your Homeownership Dreams into Reality.
Purchasing a home is one of the most important financial decisions you’ll ever make. Whether you’re a first-time buyer, upsizing, downsizing, or investing, securing the right mortgage is key to long-term financial success. At HP Financial Services , we specialize in guiding Ontarians through every step of the purchase process with expert advice and access to a wide network of lenders.
With years of experience and access to more than 50 banks, credit unions, and private lenders, we are committed to helping you find the best purchase mortgage solution tailored to your unique needs.
When it comes to buying a home, one size does not fit all. Every borrower has unique goals, financial situations, and challenges, which is why HP Financial Services takes a personalized approach to every client. We work with dozens of lenders to compare offers and secure the most competitive mortgage rates, ensuring you get the lowest possible cost for your home financing. Our team provides tailored solutions for all situations — whether you’re salaried, self-employed, or navigating credit challenges, we’ll find a mortgage that works for you. Throughout the process, we maintain clear and transparent communication so you always know where you stand. With our expert guidance on affordability, mortgage terms, and lender requirements, you can move forward with confidence knowing you’ve made the right choice for your home purchase.
The first step in your home purchase journey is getting pre-approved. A mortgage pre-approval provides a clear picture of how much you can afford and shows sellers you’re a serious buyer.
With HP Financial Services, we’ll help you:
Increase your chances of a successful offer in a competitive market.
Every buyer’s situation is unique. That’s why we provide a range of purchase mortgage options:
HP Financial Services, we understand that every buyer’s situation is unique, which is why we offer a wide range of purchase mortgage options to suit different needs. For those who prefer stability, fixed-rate mortgages provide predictable payments and consistent interest rates throughout the term. If you’re comfortable with market changes, a variable-rate mortgage allows you to benefit from lower initial rates with the flexibility to adjust as conditions evolve. First-time buyers often choose high-ratio mortgages, which are available with as little as a 5% down payment and are insured through CMHC, Genworth, or Canada Guaranty. Buyers who can provide a 20% or larger down payment may prefer a conventional mortgage, which offers greater flexibility and eliminates the need for mortgage insurance. Finally, for clients who may not qualify through traditional banks due to self-employment, credit challenges, or unique income situations, we also arrange alternative and private mortgages to ensure everyone has access to the right financing solution.
When securing a purchase mortgage, there are important features to consider:
At HP Financial Services, we’ll review all available features and help you select the best fit for your lifestyle and long-term goals.
To qualify for a purchase mortgage, lenders will assess several factors, including:
Don’t worry if you’re unsure about your qualifications — our team at HP Financial Services will help you understand your eligibility and prepare a strong mortgage application.
If you’re a first-time home buyer, you may qualify for government incentives and rebates that make purchasing more affordable, including:
We’ll help you maximize these programs to reduce your upfront costs and make your first purchase more affordable.
When buying a property, you might wonder whether a mortgage, refinancing, or HELOC is right for you. Here’s the difference:
HP Financial Services helps you choose the right option based on your goals and finances
The amount you can borrow depends on three main factors:
Use our mortgage calculator or contact us directly for a personalized estimate.
| Benefits | Risks |
|---|---|
| Build equity while owning your home. | Market fluctuations may affect property values. |
| Take advantage of low mortgage rates. | Variable rates can increase over time. |
| Secure a long-term investment in Ontario’s growing housing market. | Missing payments could impact your credit score. |
At HP Financial Services, we help you navigate these risks with the right advice and strategy.
As little as 5% for homes under $500,000. Larger homes require 10–20%
Yes. With access to private and alternative lenders, we can secure solutions even if your credit isn’t perfect.
Pre-approvals are usually within 24–48 hours, while final approvals can take a few days.
It depends on your comfort with risk. We’ll walk you through the pros and cons of each.
Contact Info:
External Links
