Mortgage Tools & Resources for Nanaimo Home Buyers
From first-time home buyers checklists to refinancing strategies, download any of our free guides to simplify the mortgage process.
Your Mortgage Journey, Made Simple
We know that getting a mortgage can feel overwhelming, so we’ve made it easier.
Useful Tools and Downloads
Here you’ll find helpful tools, guides, and downloads designed to simplify the process and give you a clear picture of what to expect. Whether you’re buying your first home, renewing, or refinancing, these resources will help you make confident, informed decisions.
First-Time Buyers
4 Steps for First-Time Buyers
If you’re looking to buy your first home, we understand that the buying process can be overwhelming. Getting to know your options, calculating the costs and getting a mortgage pre-approval can help jump start the process and help make it easier for you!
First Home Savings Account (FHSA)
The First Home Savings Account (FHSA) is specifically designed to help first-time homebuyers save for their down payment without having to pay taxes on the interest earned on their savings.
Homebuyer Budget Worksheet
We have put together a great starting spreadsheet to help you review your monthly income and expenses, and determine where you may be able to make adjustments with your spending, and to see how much you can afford to pay on a mortgage each month.
Application Checklist
One of the most stressful parts of buying a home is gathering all the paperwork. This checklist shows you exactly what documents you’ll need so you can feel prepared and confident when applying.
First-Time Buyer Tax Credit
Did you know the government offers a tax credit just for first-time buyers? This guide explains how the credit works, who qualifies, and how it can put money back in your pocket after your purchase.
Mortgage Basics
Mortgage Types
Not all mortgages are the same — fixed, variable, open, or closed. This guide walks you through the main types so you can better understand your options and choose the one that fits your goals.
Mortgage Rates in Canada
Why do mortgage rates go up and down? This guide explains what influences rates and what you should know before locking yours in.
Credit Scores Explained
Your credit score plays a big role in your mortgage approval and rate. This resource breaks down what lenders look for and offers simple steps to improve your score over time.
Mortgage Terms to Know
Buying a home comes with a lot of jargon. This glossary makes the language of mortgages easier to understand so you feel confident every step of the way.
Understanding Insurance
Mortgage insurance can be confusing, but it’s often a required part of buying a home. This guide explains when you need it, how it works, and what it means for your monthly payments.
Working with a Mortgage Agent
What does a mortgage agent actually do? This guide explains how we shop the market, negotiate on your behalf, and support you from start to finish.
Financial Tips & Planning
Improve Your Finances
Preparing to buy a home isn’t just about the mortgage — it’s about your whole financial picture. This guide shares practical strategies to strengthen your finances so you can approach lenders with confidence.
Reasons to Get Pre-Qualified
If you’re just starting to explore buying a home, pre-qualification helps you understand your price range before you begin. This guide explains how pre-qualification works and how it sets the stage for pre-approval.
5 Ways to Boost Your Credit Score
A stronger credit score can mean better mortgage rates and more approval options. Learn five proven strategies you can start today to improve your score and strengthen your application.
Manage Your Holiday Bills
The holidays are expensive — but they don’t have to set you back. This resource offers tips to keep holiday spending in check and avoid debt that follows you into the new year.
Why Get Pre-Approved?
A pre-approval isn’t just a piece of paper — it gives you a clear budget and shows sellers you’re serious. This resource explains why pre-approval matters and how it helps you shop with confidence.
Be Life Rich, Not House Poor
A mortgage should support your lifestyle, not take it over. This guide explores how to strike the right balance between your dream home and the life you want to enjoy.
Refinancing & Renewals
Benefits of Refinancing
Refinancing can be a powerful tool to lower payments, consolidate debt, or access equity. This guide walks you through the main reasons people refinance and what it could mean for your financial plan.
Tax-Deductible Mortgage Interest
Did you know some strategies may let you make your mortgage interest tax-deductible? This resource outlines how it works and whether it might be right for you.
Is Your Renewal Coming Up?
When your mortgage is up for renewal, it’s a chance to review your goals and options. Learn what to ask, what to compare, and how to make your renewal work harder for you.
Time for a Mortgage Check-In
Life changes — and so should your mortgage. This quick check-in guide helps you review your situation and see if your current mortgage is still the right fit.
Special Situations
Debt Consolidation Mortgage
If you’re juggling multiple debts, combining them into your mortgage can simplify your payments and lower interest. This resource explains how consolidation works and when it makes sense.
Divorce & Separation
Separation can be stressful, especially when a home is involved. This guide covers the mortgage options available during divorce so you can make informed decisions with clarity.
Job Loss and Your Mortgage
Losing income doesn’t have to mean losing your home. Learn what steps to take right away, what options might be available, and how to protect your mortgage during tough times.
Mortgage After Bankruptcy
Bankruptcy is a setback, but it doesn’t have to be the end of homeownership. This resource outlines how to rebuild your credit and qualify for a mortgage again.
Homeownership & Lifestyle
Building Your Own Home
Dreaming of a custom build? This guide explains how construction mortgages work and what you need to know before starting your project.
Buying a Vacation Property
A second home can be both a getaway and an investment. Learn what lenders look for and how vacation property financing differs from your primary mortgage.
Selling Your Home
From prepping your property to reviewing offers, selling can be complex. This guide helps you understand the process and prepare financially for your next move.
Renovation Financing
Renovations can add value and comfort, but they also require funding. Explore your options for financing upgrades, whether big or small.
Congratulations, New Homeowner!
The keys are yours, now what? This guide outlines what happens after you move in, from managing payments to planning for the future.
Starting Fresh in Canada
Moving to a new country comes with challenges. This resource helps newcomers understand the basics of buying and financing a home in Canada.
Investments & Other Products
Investment Properties
Real estate can be a smart way to build wealth, but it comes with unique rules. This guide explains what you need to know before purchasing a rental or investment property.
Commercial Mortgages
Financing a business or multi-use property is different from residential. Learn how commercial mortgages work and what lenders require.
Collateral Charge Mortgage
Some lenders register your mortgage differently, which can affect flexibility later. This resource explains collateral charge mortgages and what they mean for you.
Reverse Mortgages
For homeowners 55+, a reverse mortgage lets you access equity without selling your home. Learn how it works and if it could fit your retirement plan.
My Mortgage Planner App
A handy mobile app that helps you track payments, compare rates, and access mortgage tools anytime.