Residential Mortgages

Our Mission

Our team’s ultimate goal is to offer you financial products and services that are bound to enhance your home ownership experience. Kal-Mor’s expert mortgage brokers are here to help you choose the best possible option when you’re buying a new home. When it comes to residential mortgages, our brokers ensure that you get the mortgage that best suits all your needs and requirements.

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Your Dream House May Be More Affordable Than You Think

Are you looking to purchase the perfect house to compliment your lifestyle? Maybe your family needs more room? Whatever your needs might be, call our professional team of experts for an analysis of what you can afford in the budget you have. Believe it or not, your dream house might just be more affordable than you think!

Once you are ready to sell your current home and buy a new one, you should first look into all the different mortgage options available to you. If you require a bigger mortgage, the options at hand will include bringing the mortgage with you if it’s portable. Mostly, you can also “blend” your current mortgage rate with the mortgage rate applied on the extra funds you require.  

With today’s interest rates hovering on historic lows, you may want to consider breaking your current mortgage and acquiring a new one for the total amount you require. In order to break your lease, your lender usually has the right to charge a penalty, which is based on the greater of three months’ interest or the IRD, interest rate differential. This is the difference between the old rate and the current rate for the remaining term. 

Knowledgeable Professionals

Our experienced team of mortgage brokers have over 45+ years of experience helping clients get the mortgage they deserve. Of course, we understand and follow the industry standards to ensure that the process of getting your mortgage is done right. As a result, we have hundreds of happy returning clients that continue to choose Kal-Mor Mortgages time and time again.

Mortgage Options

At Kal-Mor, we have access to a wide array of mortgage options available to you. We can also make personalized recommendations that are guided by all your priorities, financial realities, and future goals.

Reputable Experience

As per the Mortgage Professionals of Canada, mortgage agents originate approximately 35% of all the mortgages in Canada, of which 55% is attributed to first time homebuyers.

Let Us Do a Professional Mortgage Analysis for You

It is worth an expert mortgage analysis to determine which option is the most advantageous for you. There is no expense or obligation. We keep up to date on all the current rates and new opportunities that are available from several lenders. This is so we can help you out with all the mortgage details for your dream house! So give us a call if you’re looking at getting a mortgage so we can help show you all the options that are available to you and your unique situation.

Our Residential Mortgage Services Cover The Following

  1. Pre-Approvals and qualifying for a mortgage
  2. Debt consolidation
  3. Credit repair to get a better mortgage rate
  4. Private and unconventional mortgages
  5. Equity mortgages
  6. Transaction posting to client accounts
  7. Client contact information and tax changes
  8. Property tax administration
  9. Fire Insurance administration
  10. Renewals and early renewals
  11. Conversions
  12. Payment frequency changes
  13. Covenant changes (title transfer / assumptions)
  14. Annual statements
  15. Final document accuracy confirmation
  16. Discharges and partial discharges
  17. Collections
  18. Arrears and loss mitigation
  19. First-time homebuyer incentives