MORTGAGES PERSONALIZED FOR YOU
Secure your financial future today!
Whether buying a home, refinancing or consolidating your debts, Dove Mortgages provides personalized options for your financial situation. If you want to take control of your financial future and entrust your financing to the experts, you can apply online today using our contact form.
Our Lenders.
We partner with over 30 lenders to ensure
you find the perfect mortgage solution for your needs.
Some of our trusted lenders include:
Our Services
At Dove Mortgages, we understand that your financial situation is unique. This is why we offer services designed to assist you in achieving your financial goals.
Whether buying a first-time home, consolidating debt or refinancing, we are here to provide you with expert guidance. Explore our services below and see how we can help you today.
Refinance Your Home
Are you looking to lower your monthly payments or use your home’s equity? We can help you secure a better mortgage rate that meets your financial goals.
First-Time Homebuyer
Are you a first-time homebuyer? We’ll guide you through every step of the process, helping you secure a mortgage that fits your budget.
Buying Your Next Home
Are you ready to move? We offer many flexible mortgage options with competitive rates to make the transition to your next property as smooth as possible.
Renewals and Transfers
With us, you can easily renew or transfer your mortgage. Take advantage of better rates and terms with us. We’ll guide you throughout the mortgage process and help you get the most out of your new mortgage.
Get Pre-Approved In Mins
Our mortgage brokers can help you get pre-qualified quickly, clearly showing how much you can afford. This information lets you confidently start your home search and make informed decisions.
Debt Consolidation
Our mortgage brokers specialize in helping you simplify your finances by consolidating multiple debts into one manageable payment. By reducing interest rates and streamlining payments, you’ll relieve financial stress and take back control of your finances.
Mortgage Tools Just for You
We offer a range of tools to help you understand our services and make the mortgage process easier. These include tools such as:
Purchase Calculator
Are you curious about how much home you can afford?
Our Purchase Calculator helps you quickly estimate your mortgage affordability by determining the home price, down payment, and interest rates. It’s perfect to get an instant look at your monthly payments and overall loan costs!
Use the Purchase Calculator now and take the first step toward owning your dream home
Closing Costs Calculator
Don’t get caught off guard by hidden fees at closing. Our Closing Costs Calculator breaks down the closing costs you’ll need to cover when purchasing a home, including legal fees, land transfer taxes, and other ancillary charges.
Use our Closing Costs Calculator today and avoid last-minute surprises!
Side-by-Side Comparison Calculator
Not sure which mortgage option is right for you? Our Side-by-Side Comparison Calculator helps you compare multiple mortgage scenarios quickly. Whether it’s fixed vs. variable rates or different amortization periods, this tool shows how each option affects your payments and long-term costs.
Click here to compare mortgage options now!
Our Step-by-Step Process
At Dove Mortgages, we focus on personalized services. Our Mortgage experts guide you through your mortgage options with a simple, easy-to-follow process. Here’s how it works.
First, we’ll sit down to talk with you about your financial situation and goals. This helps us establish what mortgage plan is right for you. Some financial steps we recommend include the following:
- Reviewing your credit score
- Setting up a budget
- Reducing debt
- Saving for a down payment
Getting pre-approved helps you understand how much you can borrow and shows sellers that you’re a serious buyer in today’s competitive market. It also allows us to evaluate your affordability.
Getting pre-approved helps you understand how much you can borrow and shows sellers that you’re a serious buyer in today’s competitive market. It also allows us to evaluate your affordability.
Don't stress about the paperwork—our team will handle all communication with lenders to ensure a smooth application process. Our team will keep you in the loop every step of the way, making sure you understand all the details clearly.
After approval, we will help you with the final steps and work with the lender to ensure your payment plan structure is straightforward. Even after you close we’ll continue offering support and guidance whenever needed.
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Frequently Asked Questions
What Is a Mortgage?
A mortgage is a loan used to purchase property, where the property serves as collateral for the loan.
What’s the Difference between a Fixed-Rate and a Variable-Rate Mortgage?
With a fixed-rate mortgage, the interest rate remains constant for the entire term of the loan period. Whereas,variable-rate mortgage changes over time based on shifts in the economic environment and market conditions.
How Long Does It Take To Get Mortgage Pre-Approval?
If you provide us with all the required supporting documents, our experts will pre-approve you in 24 hours.
What Documents Do I Need to Apply for a Mortgage?
For Salaried Clients:
- Two recent pay stubs
- The last two years of T4s
For Hourly, Part-time, or Contract Workers:
- Two recent pay stubs
- The last two years of T4s
- Employment letter confirming guaranteed hourly rate and number of hours
For Self-Employed Clients:
- The last two years of T1 Generals
- Articles of Incorporation or Master Business License
For All Borrowers:
- Equifax credit report that they can get on their own for free
- Two pieces of ID (excluding health cards and SIN)
- For any existing properties: a copy of the current mortgage statement, the latest property tax bill, and the lease agreement (if the property is a rental)
- For those receiving child benefit or pension, a bank statement showing the benefit amount
What does Refinancing mean?
Homeowners may choose to refinance their mortgage for various reasons, including:
- Lower Current Interest Rate — This will decrease your mortgage payments
- Change Time Frame Of Loan — You can re-amortize your loan by increasing the time frame from 25 to 30 or vice versa.
- Change Loan Type — You may want to change from a variable rate to a fixed rate or vice versa.
- Obtain Access Home Equity — A homeowner can pay down their mortgage balance or home value increases, which results in build-up equity.
- For example, if a home is worth $500,000 and the homeowner owes $200,000 on the mortgage, they have $300,000 in equity.
- The homeowner can use the $300,000 for investments, have an emergency fund, use it towards home improvement, or use it towards child education.
What Are the Benefits of Debt Consolidation through a Mortgage with Dove Mortgages?
We will analyze all your high-interest debts (credit cards, personal loans, etc) and strategize which debts to consolidate/combine into one low-interest mortgage payment. This will save you thousands.
