Our mortgage agents help homeowners, no matter what their situation. If you are a first time home buyer, we will guide you through the process of financing your new house. If you have low income, debt or a poor credit history, we work with alternative banks to help you get approved. We can use the equity in your home to help you pay off debt and rebuild your credit.

If you can relate to any of the following, we can help :

• Self-employed
• Low income 
• Up-sizing or down-sizing
• Poor credit history
• Debt

Whether you’re buying a new house or reevaluating your current mortgage, we can help. At renewal, you have the option to refinance to pay off debts, make a large purchase or pay for renovations. We work with Scotiabank, trust companies and Credit Unions to give you the best options to chose from.

We can help make your construction dreams a reality. Once you complete your construction plans and receive all estimates, you can begin. After reviewing your plan and selecting your loan, we provide approximately 50% advance. When the job’s done, we will send someone to inspect the work and fund the remainder of the loan. Depending on the size and scale of the project, this can also occur in multiple phases.

Second mortgages are generally used for short-term needs, such as debt consolidation. We can use this option to bundle high interest consumer debts into one easy, low monthly payment. Second mortgages at Skylark are private and open, giving you the ability to pay them off at anytime.

We work with investors and builders to arrange commercial mortgages. We can finance mixed-use properties, industrial buildings or land purchases.

Private lending is our specialty and it is strictly based on equity, or how much you own of your real estate assets. The benefit of private lending is that it is quick and easy. It doesn’t require income verification and does not consider credit or past bankruptcies. All private mortgages and private loans are open.

Mortgages are a low-risk, high reward investment. If you would like to learn how to become a mortgage investor, contact info@skylarkmortgages.ca.