Renovation Financing, mortgage financing, mortgage refinancing, mortgage life insurance, creditor insurance, mortgage protection, AIG insurance, AIG mortgage insurance, AIG, cmhc, cmhc loans, cmhc lending, cmhc mortgages, mortgage insurance, debt consolidation, bad credit, poor credit, credit history, credit rehabilitation, credit repair, purchase-plus mortgages, cmhc purchase plus, new home purchases, home improvement loans, home repair loans, lenders, canadian, canada, toronto, private loans, private lending, private lenders

 

 

 

 

 

 

 

 

 

 

 

 

 

 

CSR

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

SOP

Standard 
Operating Procedures

If you've had interior or exterior renovations performed on your home, then you may have experienced less than satisfactory results.

Many times, even though the work may have concluded successfully, the constant lack of communications between the contractor and the client becomes so aggravating that even the most successful job seems to have gone astray.

Our Standard Operating Procedures ensure that all jobs are being conducted with a built-in standard of both Quality and Service.

These procedures include keeping the client informed about what's going on with the job including work schedules, delivery of materials, etc.

And because the client does not have to deal with any sub-trades on an individual basis, no one trade can blame the other for any problems.

If we "mess up," we'll let you know the "why's and the wherefores."

We have found that today's homeowners are much more accepting of the truth rather than  some fabricated excuse. 

This is also how we build your trust.

 

 

 

 

 

 

 

 

 

 

 

 

renovation financing

 

 

 

 

 

 

 

 

 

 

1st mortgage re-fi


1st Mortgage 
Re-Financing


If your existing 1st Mortgage is more than 2 years old, then chances are that we'll be able to locate a better, current rate for you.

Even a pre-payment penalty can be offset by the introduction of a low variable rate (from 3.3%).

Use it to consolidate your credit card debts and pay for your renovations at a newer low rate.

A participating, licensed mortgage broker has over 100 participating Lending Institutions at his/her disposal,  offering loans for all levels of credit, you'll be able to take advantage of the lowest rates available for your own credit level. click here for more
 

 

 

 

 

 

 

 

 

 

 
new home purchases


New Home
Purchases


We are receiving more and more inquiries from New Home Buyers looking for information on new mortgage rates.

As we can refer qualified mortgage brokers nationwide, we offer all of our services all over Canada.
 

 

 

 

 

 

 

 
unsecured reno loans


Unsecured 
Renovation Loans


Typical spending limit of $25,000. Rates are higher than for mortgages, but comparatively low for unsecured (not secured by the home)

Comes with 10-year amortization, totally open and free of pre-payment penalties.

The rate is normally 2-3 points above prime
 

 

 

 

 

 

 

 

 

 
private mortgages


Private 
Mortgages


Generally used where credit history is poor. Approvals based almost entirely on equity. Excellent way to rehabilitate credit by lowering total monthly payments through consolidation.

For home owners that do not qualify for institutional lending due to credit history problems or inability to verify income (some self-employed applicants).

The Private Lending Rates and conditions obtained through the Renovation Funding Program are considered to be the most liberal in the industry.

Upon your request, we will refer you to a program-approved, licensed mortgage broker who specializes in credit repair and rehabilitation.
 

 

 

 

 

 

 

 

 

 

 
cmhc purchase-plus



Purchase Plus Improvements and Re-financing with Renovations
Takes the proposed future value of renovations into consideration in order to incorporate the costs into a new mortgage (either for a new purchase or for a refinance with renovations)

We have had various meetings with CMHC as well as several lending institutions to better inform both the real estate and mortgage industries, as well as potential homebuyers and homeowners about this important program.



 

 

 

 

 

 

 

 

 

 

 

 
combination debt


Combination Debt & Consolidation
Home Improvement Loans 


Most of the Mortgages and Loans obtained by our clients through our referred mortgage specialists contain some degree of debt consolidation.

Pay off your high-interest credit card debts and renovate your Kitchen, Bathroom, Basement or replace your roof...all under the same, low interest loan.

Register here!


 

 

 

 

 

 

 

 

 

 

 

 

 

Insurance

Mortgage Life &
Critical Illness Coverage

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All Mortgage Insurance offered through 
The Renovation Funding Program 
is underwritten by

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For a quote...Click Here

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Mortgage Creditor Insurance

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As the demand for housing continues to increase throughout Canada (especially in the larger cities, such as Toronto) the prices of new and existing homes have skyrocketed over the last 20 years.

And while lower interest rates are keeping the cost of Mortgage Payments down, today's typical monthly mortgage payments exceed the $1200-$1500 range for an average mortgage over $150,000.

This has caused an unprecedented number of both new homebuyers and existing homeowners to re-assess their options in terms of how to best protect their families from unforeseen occurrences that may threaten their ability to sustain those payments.

Put simply: 
If something happens to you, is there a plan in place that will enable your family to continue to live in your home without worry or fear?

Historically, the mortgage insurance products available to you through branch banking have been, at best, limited. 

As well, there seems to be little or no product knowledge (or interest in it) offered to you when you arrange a mortgage at your local branch.

And for many people, it is not a pleasant topic to talk about.

But it should be discussed, regardless.

By simply registering into The Renovation Funding Program, you will have access to what we consider to be the best Mortgage Insurance Protection available in the country.

One of the main features of the coverage available is the revolutionary Critical Illness Insurance, which is rapidly becoming the most sought-after coverage by homeowners all over North America.

This coverage is also available for your existing mortgage. 
To obtain a quote, click Here

To view information regarding coverage, please click Here
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support

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Customer Support
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One of the key benefits of having your Renovations performed by an approved Aston Whitehall Contractor/Dealer is the professional management that accompanies the job.

As a client, you will not have to arrange the scheduling of any tradesmen associated with your job, or buy materials first.

This is all taken care of as part of the job, no matter the size.

Our theory has always been:
Treat a small job just as you would a large job... 

...because the small job can create as many or more problems if you don't!

If you have purchased repairs or renovations in the past, then you will appreciate the way we operate our business.

Once your job starts, you will be in constant contact with your Project Manager. 

He is responsible for ordering materials, daily scheduling and, most importantly, keeping you completely informed about all of our procedures and the general progression of the work.

We measure the success of each job by the way our network of people communicate with our clients, as well as the manner in which they conduct themselves in a professional manner throughout each and every renovation.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Standard Operating Procedures

 

 

Standard Operating Procedures

 

Standard Operating Procedures

 

 

 

 

Standard Operating Procedures

 

Standard Operating Procedures