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Safebridge Mortgage Rates

Below you will find current Safebridge mortgage rates, which you can compare against the rates of other mortgage brokers and lenders.

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Safebridge mortgage rates

Safebridge carefully researches mortgage products to find the lowest mortgage interest rate on the market, and provides ongoing management of your mortgage via its Mortgage Tracking Program. The proprietary software tracks existing mortgages so clients are made aware of any changes in the market that could reduce their rates, improve cash flow, or simply provide more flexibility.

Whether it is a variable or fixed, an open or closed term, Safebridge is able to source the most suitable mortgage rate from its network of over 30 of the most trusted lending institutions in Canada. In addition, for the subset of unique situations that often complicate the process of securing a mortgage, Safebridge is able to optimally service them. These situations include:

  • Self-employed mortgages – If you report minimal income, or have limited financing available for a down payment or refinance.
  •  New to Canada Mortgages – If you have a 25% down payment and have applied for landed status, or if you have secured a full-time position that earns you at least $60,000 and have at least 5% saved up for your down payment.
  • First-time Home Buyer Mortgages – If monthly cash flow is a concern, you need a longer amortization period, or if you require a 5% cash back to come up with your closing fees.
  • Zero-down payment Mortgages – If you have good credit but no capital for a down payment, or are a professional who recently graduated with a good salary but hefty student loans.
  • Equity Based Mortgages – If you have at least 20% equity in your home but a poor credit rating.
  • Sub-prime Mortgages – if you have less than stellar credit, have been turned down by the bank, or have been discharged from bankruptcy for at least 6 months.
  • Mortgages for Investment Properties – If you have multiple investment properties and your bank is hesitant to lend you funds for additional property.
  • Mortgages for Commercial Properties – If you are looking to finance an apartment building, an industrial or retail plaza, or an office building or storefront outlet.
  • Mortgages for Vacation Properties – If you are seeking a vacation property or retirement home.

Further, clients benefit from Safebridge’s practise of the TaxSmart Mortgage strategy, popularized by Fraser Smith, which propels clients ahead financially by methodically converting mortgage debt – which is not tax deductible in Canada – into tax deductible-interest investment debt.

Additional resources on Safebridge mortgage rates

In addition to sourcing the lowest mortgage rate for your unique situation, Safebridge also offers a variety of add-on and value-added services.

For example, Safebridge provides Mortgage Centered Financial Planning ©, whereby your mortgage acts as the centrepiece to a financial portfolio that includes insurance and financial investments, to meet your long- and short-term goals.

The brokerage also constantly monitors the market so that if an opportunity arises for you to save money, Safebridge will notify you and present your options. This is in addition to its Monthly Market Update, a newsletter with wealth-building investment and mortgage strategies.

Finally, Safebridge consistently consults you on how to pay down your mortgage faster, increase their net worth and pay less interest, and promises constant accessibility, day or night.

Connecting with a Safebridge mortgage broker

One of Safebridge’s experienced Mortgage Consultants will contact you within 24 hours of filling out its online preliminary application form. You can get approved online, over the phone or in person, and Safebridge can advise you of the documentation needed to get approved in as little as four business hours.

Safebridge mortgage application checklist

Safebridge’s online application form takes less than a minute to fill out, but make sure you have the following information on hand:

  • Dwelling status
  • Annual income and income type (salary, self-employed, alimony, etc.)
  • Purpose of loan (purchase, refinance, transfer, etc.)
  • Mortgage amount

More on Safebridge

Safebridge Financial Group was founded in 2005, but has over 10 years of industry-specific experience. This experience is leveraged into key industry relationships that allow Safebridge to negotiate some of the best mortgage rates in the country.  The brokerage endeavours to be a one-stop-shop experience for customers, who have access to mortgage, insurance, and investment services, all facilitated and serviced under the same roof.

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