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The APRVD* process

From start to finish, WE'll be right there

We've streamlined the entire process into five clear, manageable steps, designed to get you from application to approval with confidence. Forget the guesswork; we're here to guide you through each stage, providing the expertise and support you need to secure the financing for your dream home. Let's make your mortgage journey straightforward, transparent, and successful.

Assessment

Gather your financial information to understand your mortgage eligibility and affordability

Pre-approval

Get a conditional commitment from a lender for a specific mortgage amount. This isn't a guarantee but a strong indication.

Rate lock

"Lock in" an interest rate for a set period (e.g., 90-120 days). This protects you if rates go up.

Verification

The lender verifies all the documentation provided to ensure everything is accurate and meets their lending criteria.

Disclosure

The final stage where you receive all the legally required documents outlining the full terms and conditions of your mortgage.

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Get [ your mortgage ] Right: Choose Vadim Promotorov

Save time, stress, and money on your mortgage

  • Tailored Mortgage Solutions: Your unique financial situation gets a personalized plan.
  • Competitive Rates: We actively secure the best mortgage rates in Canada for you.
  • Streamlined Application: Enjoy a smooth, efficient path from inquiry to approval.
  • Refinance for Savings: Unlock equity or lower payments with smart refinance strategies.
  • Transparent Process: No hidden fees, just clear, honest communication.
  • Fast Pre-Approvals: Get a strong pre-approval to boost your home-buying power.
  • Access to Multiple Lenders: We shop around, so you don't have to.
  • Equity Take-Out Solutions: Fund renovations or investments using your home's equity.


home evaluation Get Your Application Started
Selling resources

Your Mortgage Questions, Answered

How much mortgage can I actually afford in Canada based on my income?

You can typically afford a mortgage where your total housing costs (including principal, interest, taxes, and heating – P.I.T.H.) are around 32-39% of your gross monthly income, considering the Canadian mortgage stress test rules.

What is a mortgage pre-approval and why is it important for Canadian home buyers?

A mortgage pre-approval in Canada is a conditional commitment from a lender for a specific mortgage amount and interest rate, usually locked for 90-120 days. It helps you understand your budget, shows realtors you're serious, and streamlines your home search.

What documents do I need for a mortgage application in Canada?

Typically, you'll need government ID, proof of income (pay stubs, T4s, NOAs for self-employed), employment verification, bank statements for your mortgage down payment in Canada, and details of your existing debts.

Can I refinance my mortgage in Canada to consolidate high-interest debt?

Yes, mortgage refinancing in Canada is a common strategy to consolidate high-interest debts like credit cards or lines of credit into your mortgage, potentially lowering your overall monthly payments and saving on interest over time.

Download Branded Mortgage App

Run numbers on the go—no desk needed

Discover Get [ your mortgage’s ] exclusive, co‑branded Canadian Mortgage App—your free, all‑in‑one mortgage calculator, pre‑qualification tool, and stress‑test expert, right on your phone. Trusted by Canadians and featured by Apple and Google as a top finance app, it empowers you to run real‑time scenarios, compare rates, and connect with Vadim instantly.

Mortgage Starts Here

Because finding a home starts with knowing your numbers

Ready to take the first step toward homeownership? Start your mortgage application today and get ahead with confidence. Our quick and secure online process helps you find out what you qualify for in minutes—no obligations, no pressure. Whether you're buying your first home, refinancing, or investing, getting pre-approved gives you the edge in a competitive market.

“It is my commitment to quality above all else”

Full Service Real Estate

Not just any mortgage professional - your dedicated partner in Caledon and beyond. Backed by years of experience in both real estate and financing, I will simplifiy complex mortgage processes and secure tailored lending solutions that align with your financial goals. Licensed across Ontario, blending local market expertise with a genuine commitment to your success. Ready for personalized guidance and confidence every step of the way?

Get [ your mortgage ] Solutions & Products

Drive up appeal: Get your property ready to show

New Home Purchase Mortgages

Ideal for first-time buyers or those upgrading, this product offers competitive rates and lender comparisons to secure the best fit

Benefits of using a REALTOR® to sell your home

Mortgage Renewal

As your existing term nears its end, BRX agents review options to renegotiate rate, term, or provider for improved terms

The best asking price for your home

Mortgage Refinancing

Refinance to tap into equity for debt consolidation, home improvements, or investment purposes, all with tailored underwriting support

How to get top dollar for your home, fast!

Investment/Rental Property Financing

Structured solutions for investors—whether acquiring a new rental, refinancing an existing one, or expanding a portfolio

A manual to prepare your home for selling

Rental Cash Flow Structuring ("Rental Cash Damming")

Strategic setup to optimize rental property cash flow, reduce taxable income, and increase mortgage efficacy

Tips for showing your home

Reverse Mortgages

Access home equity without monthly payments—ideal for retirees seeking cash flow flexibility

Tips for showing your home

Debt Consolidation Mortgages

Combine high-interest debts (e.g., credit cards) into your mortgage for lower rates and simpler repayment 

Tips for showing your home

Mortgage Pre‑Approval Programs

Quick turnaround assessment to lock in interest rates for 60–120 days, strengthening offer positions

Tips for showing your home

First-Time Home Buyer Strategies

Specialized plans and guidance for first-time purchasers, including incentive access like CMHC programs

Tips for showing your home

Custom Mortgage Toolkit

Consultation with underwriters and agents to map individual goals—purchase, renew, refinance, or investment—with bespoke strategy

Tips for showing your home

Jumbo & Bank-Statement Loans for Self-Employed Borrowers

Perfect for entrepreneurs and high-income individuals, these jumbo mortgages rely on bank statements or 1099 income documents rather than traditional employment verification—ideal for clients with complex financial profiles

Tips for showing your home

Foreign-National & Country-Specific Mortgagesv

Tailored financing solutions for international buyers and non-residents, enabling property purchases in Canada even without a local credit history or Social Insurance Number

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Speak With a Mortgage Pro

Direct access to Vadim - no fluff, just answers

Get [ your mortgage ] proudly serves the entire province of Ontario - including Caledon, Bolton, Mississauga, Kleinburg, Nobleton, and King City - offering tailored mortgage solutions and expert guidance to homebuyers and homeowners across the region

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Get an Expert Review

I look forward to hearing from you!

Real estate financing can be a complex process, but with the right preparation and guidance, it can also be a smooth and successful experience. Contact me today to learn more about how we can help you buy or refinance your home and achieve your goals!

Selling Form

This website may only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate of the type being offered via the website. The data relating to real estate on this website comes in part from the MLS® Reciprocity program of the PropTx MLS®. The data is deemed reliable but is not guaranteed to be accurate.