What can we help you with?
Are you a business owner?
Self-Employed
Newcomer to Canada?
New to Canada
Facing bad credit issues?
Bad Credit
Buying a rental property?
Rental Properties
Buying a property?
High-Net-Worth Individual
Best rates with exceptional customer service
HM mortgages helps you understand and review your options and put yourself on the path towards home ownership with right service offerings, helpful tools and unbiased consultation.
We have funded over 1 billion in volume with more than 1000+ deals approved across 50+ lending institutions.
Guiding you step-by-step closer to you destination
Our processes are designed to make mortgage approvals a piece of cake.
Step 1
Pre-Approval Analysis
Our team review your financial information and factors that determine you eligibility for qualification
Step 2
Mortgage Application
We will assist you to build a flawless application that is tailored to your mortgage requirements
Step 3
Underwriting Process
Our underwriters will build a structured deal with fine tuned details that are crucial for you mortgage approval
Step 4
Approval for Funding
Our team will help you navigate through closing paperwork and make the entire process hassle-free experience
Success Stories
Making the first home buying experience a memorable one.
As a new home buyers we were completely unware of the entire house buying process. We were looking for a mortgage company that will educate us and guide un into right direction so that we don’t waste money or make mistakes before spplying.
Mortgage Insights
Recent immigrants buy their first home with an ease
Helping a self-employed trucker with his first mortgage.
Didn’t find the question you were looking for?
Simply, ask our experts...
Email your questions at getapproved@hmmortgages.ca and we will get back to you with an answer.
FAQ’s
Common mortgage questions
No matter if you are a first-time buyer, or are upgrading your home, the minimum down payment in Ontario and across Canada is 5% of the first $500,000 of home purchase price. In other words, the down payment on a $500,000 home would be $25,000.