Services

Residential Mortgages: Whether you are a first-time home buyer or an experienced buyer, we can provide you with access to the best mortgage products and rates across Canada. Let us educate you about no-down-payment mortgages, self-employment programs, rental purchase programs, vacation property programs, and other financing alternatives before you make your purchase.

Refinancing: You might want to stabilize your payments by changing from a variable to a fixed-rate mortgage. Perhaps you have improved your credit score and qualify for a better mortgage with a better discount. Or maybe you want to refinance a home to pull out equity for home improvements, investments, college expenses, or high-interest debt consolidation. Home equity is an easy and affordable way to access the money you have accumulated in your home.

Purchase + Improvement: With our purchase + improvements program you don’t have to let the cost of renovations deter you from choosing that right home. Whether you need to purchase a new furnace, install new flooring, or complete a kitchen renovation, the funds you need for this can be included in your mortgage upfront and part of your regular payments. The government allows up to 10% of your purchase price to be added to the mortgage for renovations, and mortgage rates are often lower than what you’re able to secure for a home improvement loan. Contact us to see if this program is right for you.

New to Canada: Synergy Capital assists newcomers to Canada in buying their first home. Even for those with newer credit, and as little as 5% down, we’ll always do our best to assist each and every client in achieving their goals of home ownership. Whether you’re a permanent resident or here on a work visa, we want to help. We’ll provide you with our expert advice and always aim to make the process as smooth as possible.