Purchase
Why you should select us for your purchase mortgage service.
Secure the right financing for your new home with confidence. Whether you’re a first-time buyer or upgrading to your dream property, our purchase mortgage solutions are designed to fit your needs and budget. With competitive rates, expert guidance, and a smooth approval process, we make homeownership easier than ever.
Refinancing
Take Control of Your Finances and Refinance Your Mortgage
Mortgage refinancing may be the solution you need. At Orbis, we specialize in helping homeowners navigate the refinancing process and find the loan that best fits their needs.
At Orbis we understand that every homeowner’s situation is unique. That’s why our team of licensed mortgage professionals will work with you one-on-one to understand your specific needs and goals and recommend the best refinancing option for you. We have access to a wide range of lenders and we will negotiate the best rates and terms for you.
Mortgage Renewal
Mortgage Renewal Assistance: Securing the Best Terms for You
We’ll secure a rate lock for you so that if rates drop, so does yours, but if they rise, you’re protected. Renewal is also the perfect time to reassess your financial situation.
Commercial
Finance Your Next Commercial Investment with Confidence
Whether you’re purchasing an office space, retail property, or multi-unit building, securing the right commercial mortgage is key to protecting your investment. We offer tailored financing solutions, competitive rates, and expert advice to support your business goals and help you grow your commercial real estate portfolio.
Private Mortgages
Purchase Mortgages in Canada: Your Path to Homeownership
A purchase mortgage is a loan used to buy a home or property. It is typically secured by the property being purchased, meaning the lender can take possession of the home if the borrower fails to repay the loan. The loan is paid back over a fixed term (e.g., 15, 30 years) with regular monthly payments that include principal and interest. Purchase mortgages can have fixed or variable interest rates.
Reverse Mortgage
Homeowners can use a reverse mortgage as a financial product.
Homeowners aged 55 and above can access the equity in their homes without selling through a reverse mortgage. This option provides tax-free funds that can be used for various needs, such as medical expenses, home upgrades, or personal goals. Our experienced team is ready to support you at every stage, explaining the potential costs, benefits, and outcomes of a reverse mortgage. We’re committed to helping you make a confident, well-informed decision that suits your financial priorities and lifestyle.
Second Mortgage
Get The Financing You Need With a Second Mortgage
Getting a second mortgage is a way for homeowners to access additional funds by using the equity they have built up in their homes. It is an excellent option for those needing cash for home improvements, debt consolidation, or other expenses. However, obtaining a second mortgage differs from obtaining a first mortgage.
One key difference is that second mortgages typically have higher interest rates than first mortgages. This is because second mortgages are considered to be a higher risk for lenders, so they may charge a higher rate to compensate for that risk.
Self Employed
Business for Self Mortgage (Self-Employed)
Proving self-employment income, and income stability for the years to come, can be difficult for new business owners.
Many Canadians have successful small business ventures and would not trade the lifestyle for anything in the world. However, many begin to question their lifestyle and business choices when they first attempt to obtain financing for their home, or even something as simple as a new credit card or vehicle.
Bridge Financing
A Short-Term Solution for Transitioning Between Financial Needs
Bridge financing is a temporary loan used to “bridge” the gap between the sale of one property and the purchase of another or to cover short-term funding needs. It is commonly used in real estate but can also apply in other financial scenarios. Here’s an overview of what you need to know about bridge financing:
Renovation
Home Renovation
Financing
Transform your current home into your dream space. Whether you’re planning a major remodel, updating a kitchen, or adding extra living space, our renovation financing options help you access the funds you need — backed by flexible terms and competitive rates. Tap into your home’s equity or explore tailored loan programs designed to suit your renovation goals, all with expert guidance every step of the way.
Home Equity Line of Credit
Unlock the Financial Potential of Your Home with a HELOC
A Home Equity Line of Credit (HELOC) is a type of loan that allows homeowners to borrow money against the equity in their home. Similar to a line of credit, you may borrow up to a certain amount and are only expected to pay interest on the amount you borrow.
At Orbis, we offer a variety of HELOC mortgage options to meet your specific needs. Our team of licensed mortgage professionals will work with you to find the best solution for you, all while taking into consideration your current financial situation and future goals.
Debt Consolidation
Simplify Your Payments and Take Control of Your Debt
Managing multiple debts can be stressful and expensive. With a debt consolidation mortgage, you can combine high-interest debts like credit cards and personal loans into one affordable monthly payment — often at a lower interest rate. We’ll help you streamline your finances, reduce financial pressure, and create a clear path toward financial freedom.
New to Canada
Mortgages for People New to Canada
With newcomers to Canada playing an ever increasing role in Canada’s future population growth, mortgage financing is available to borrowers with a permanent and non-permanent residence status with the goal of helping newcomers to Canada realize their dream of home ownership.
Most lenders have policies in place which can accommodate clients who have immigrated to Canada within the last 36 months and who are looking for an insured mortgage. CMHC offers financing that is available to borrowers with both permanent and non-permanent residence status; helping new comers realize their dream of home ownership in Canada.