Find a Mortgage or Loan

There are three different mortgage insurers in Canada and PAVAO Mortgages has access to over 30 lenders. With this many insurers and lenders there are a lot of mortgage products; the average client will find shopping for a mortgage stressful and confusing.

Each Bank has limited mortgage products and they try to fit their clients into their existing offerings. Worse - they won't offer their clients the best rate.

PAVAO Mortgages will tailor your mortgage to your personal situation, and the best part is, we don't charge you - we are paid by the lenders. PAVAO Mortgages works for you and not a bank; we will get you a mortgage product that works for you and we will make sure you get the lowest mortgage rate!


Pre-Approved Mortgage

Before you start shopping for a new home call PAVAO Mortgages first for a pre-approved mortgage.

PAVAO Mortgages can get you a guaranteed rate for 120 days; if interest rates rise in that time you are protected. If rates drop you automatically get the lower rate without having to ask for it.

A pre-approved mortgage also allows you to know how much you can spend on a house. You can negotiate a purchase price with confidence and the seller will feel more confident knowing that you are a serious buyer.

Call us today or apply online for a free no obligation consultation.

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Purchase Mortgage

Whether you're a first time home buyer or a seasoned investor, getting the best mortgage rates and the right mortgage product for your needs is as important as finding the right house.

If you're a first-time home buyer PAVAO Mortgages we will walk you through the process to make sure your experience is a good one. We have access to over 30 mortgage lenders that are waiting to compete for your business with today's best mortgage rates.

More importantly, with PAVAO Mortgages you will be dealing with a mortgage specialist who is working on your behalf to get you the best mortgage product � and we guarantee you the best rates for the life or your mortgage. Call us today or apply online for a free no obligation consultation.

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Mortgage Renewals

Beat the Bank Rate

Did you know that Banks don't offer the best rates available on mortgage renewals?

Banks make a lot of their profits on mortgage renewals. They do this by not offering their clients' the best mortgage rates and delaying renewal letters until about 30 days before the mortgage renewal date. They want you to panic and sign the mortgage renewal, costing you thousands of dollars in interest charges.

If you have a mortgage renewal coming up, PAVAO Mortgages can get you lower, more competitive mortgage rates, saving you thousands over the life of your mortgage.

Lock in Rates for 120 Days

We can lock rates in for you up to 120 days before your mortgage renewal date. If rates go up you're protected; if they go down you get the lowest rate available. We also make sure there are no costs to you for switching your mortgage to a different lender.

PAVAO Mortgages guarantees you the best rates available.

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Refinance Mortgage/Debt Consolidation

Consolidate Your Debt or Invest Your Equity

You may be sitting on a significant amount of equity in your home and at the same time you may also be sitting on debt. Refinancing and consolidating your debt is a great option for putting your finances back in order.

Many clients also refinance their mortgage simply to get a lower interest rate or to extend the length of their amortization to lower their monthly mortgage payments. Why feel overwhelmed by debt and high mortgage payments? With longer amortizations and the best mortgage rates available PAVAO Mortgages can bring your mortgage payments back in line and consolidate your debt into one simple payment.

Refinancing is quick, easy and all costs can be rolled in to the new mortgage, so no out of pocket expenses.

Buy a Second Property

You can also refinance and use your home's equity for a second home purchase, rental property, investments, home renovations and pretty much any other reason imaginable.

PAVAO Mortgages can refinance you up to 85% of the value of your home, so if you're stressed over high payments call us today or apply online for a free no obligation consultation.

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No Money Down Mortgage

If you have good credit but no down payment, PAVAO Mortgages can help.

In 2010 the federal government stopped insuring No Money Down Mortgages, meaning buyers have to come up with the 5% down payment to purchase a home.

If you're short, PAVAO Mortgages can help. If you have good credit and a good job, we have access to lenders who can provide you with the 5% needed for down payment.

This is a confusing product and there are other options such as borrowing the down payment or receiving a gift, so let PAVAO Mortgages work for you to explain how this product works. Home ownership is possible if you don�t have the down payment and we guarantee you the best rates available! Call us today or apply online for a free no obligation consultation.

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Self Employed Mortgage

Are you self employed but don't show a lot of income?

Self employed mortgages are designed specifically for clients who are sole proprietors or incorporated. Traditionally this was a real problem when it came time to apply for credit or to purchase a new home, as most self employed clients don't show a lot of income on their tax returns. Luckily PAVAO Mortgages can help you with your approval for a self employed mortgage and we guarantee you the best rates available.

Call us today or apply online for a fee no obligation consultation.

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Private Mortgage

When the banks say no, private mortgages may be the solution.

If you are at the point where getting a mortgage through a traditional lender or bank is not possible, you may need a private mortgage.

PAVAO Mortgages has access to funds to provide you with a private mortgage.

Private mortgages are not for everyone, they come with higher interest rates than traditional mortgages and they also have fees. PAVAO Mortgages considers a private mortgage a last resort: if debts are keeping you up at night it may be a short term fix to help you get back on your feet.

Don't wait until it's too late: call us today or apply online for a fee no obligation consultation.

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Second Mortgages

Do you need access to some equity in your home but you don't want to refinance? Sometimes a second mortgage is a better option than refinancing.

A second mortgage can free up additional cash without interfering with your first mortgage. It is usually taken for a shorter period of time giving you the option to pay it off quicker.

PAVAO Mortgages will provide you with a few options for a second mortgage. The first option (and usually the best) is a Home Equity Line of Credit (HELOC). The HELOC has the lowest rate - usually at prime or prime plus 1% - and it's an open mortgage that can be paid off at any time without penalty.

Other options are an interest-only equity line visa or a private second mortgage.

We guarantee you the best rates available. Call us today or apply online for a fee no obligation consultation.

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Mortgage Brokers Calgary | Refinance | Alberta Canada Lenders