* APRVD’ refers to the steps in the mortgage process: Assessment, Pre-Approval, Rate Lock, Verification, Disclosure. It does not imply or guarantee mortgage approval.
Get [ your mortgage ] APRVD*
Customized mortgage solutions
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.
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.
Your Mortgage Questions, Answered
“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?
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.
Get [ your mortgage ] Solutions & Products
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
Mortgage Renewal
As your existing term nears its end, BRX agents review options to renegotiate rate, term, or provider for improved terms
Mortgage Refinancing
Refinance to tap into equity for debt consolidation, home improvements, or investment purposes, all with tailored underwriting support
Investment/Rental Property Financing
Structured solutions for investors—whether acquiring a new rental, refinancing an existing one, or expanding a portfolio
Rental Cash Flow Structuring ("Rental Cash Damming")
Strategic setup to optimize rental property cash flow, reduce taxable income, and increase mortgage efficacy
Reverse Mortgages
Access home equity without monthly payments—ideal for retirees seeking cash flow flexibility
Debt Consolidation Mortgages
Combine high-interest debts (e.g., credit cards) into your mortgage for lower rates and simpler repayment
Mortgage Pre‑Approval Programs
Quick turnaround assessment to lock in interest rates for 60–120 days, strengthening offer positions
First-Time Home Buyer Strategies
Specialized plans and guidance for first-time purchasers, including incentive access like CMHC programs
Custom Mortgage Toolkit
Consultation with underwriters and agents to map individual goals—purchase, renew, refinance, or investment—with bespoke strategy
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
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
New Goals? New Home?
I'm here to help you navigate the journey, no matter the stage you're in.