Mortgage brokers offer flexible mortgage loan options to meet your family’s money needs. We negotiate hundreds of mortgages for our clients each year and can offer you a variety of flexible products through our network of banks and private lenders. No matter what your money needs, buying a house or refinancing, consolidating expensive debt into one low montly payment, we shop the mortgage markets to get you the best interest rate and customize a mortgage solution that’s right for you.

Axcess Mortgage and Loans Financing, mortgage brokers in Hamilton Ontario, work for you, not the banks!
 

We have lenders that will say YES! Many of our clients were refused a mortgage by the bank they had been dealing with for years, before they came to us and got financing. Many times banks have turned down their own clients under circumstances where other lenders were eager to lend them money!

One of the biggest factors in qualifying is the quality of your credit. If you have credit problems, it is important to take quick steps to improve your situation. Even if you have had a Consumer Proposal or Bankruptcy, you may be able to clean up your credit enough to secure financing. One of the ways to improve your situation is through debt consolidation. Even if you've had bad credit in the past, or have never had a credit card before, a pre-paid credit card is an excellent way to re-establish your credit. Virtually everyone is approved.

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It's the home equity solution! Are car loans, mortgages and credit cards stretching every last penny that you earn? Do you find yourself with no money left after the bills are paid? Or, are you simply looking for a smarter way to pay off your debts and consolidate them into one, low monthly payment? Depending on your situation, we can often reduce your monthly expenses by hundreds or even thousands of dollars. The savings can be significant!

If you have equity in your home, this is the least expensive money you can access! We understand your situation and do our best to set you back on the track of financial wellbeing. You can learn more about a secured credit card in our services section.

 

We recommend filing for a Consumer Proposal or Bankruptcy only as an option of ‘last resort’. If you have equity in your home, in most circumstances, the best course of action is to consolidate your debts, lower your monthly payments, and begin to get control of your finances. Bankruptcy has serious consequences. It stays on your credit bureau for several years, making it hard for you to re-establish your credit. Additionally, many banks will not lend you money again if they suffered a loss as a consequence of your Bankruptcy.

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Depending on the circumstances surrounding your bankruptcy, we have lenders that will provide mortgage financing to discharged bankrupt borrowers. If you are a previously discharged bankrupt the best way to determine whether or not you qualify at this time, is to discuss your situation with us. We will help.

 

When your mortgage comes up for renewal most banks offer the highest interest rate contract that they can get away with. Each bank branch acts as a separate profit centre. They are rewarded and paid based upon the profitability of their overall mortgage portfolio. They know that most homeowners would rather avoid the hassle of shopping around and having to re-qualify for their mortgage at a different bank, so, they offer you a higher interest rate and hope that you will take it.

We will investigate for the best possible interest rate and contract in the marketplace! At renewal time for your mortgage, you will automatically receive our fully discounted rate - no negotiation needed!