Here is a comprehensive list of mortgage services that FairChoices.ca can present on its website, organized into clear categories for clients looking to buy, renew, refinance, or finance real estate in Canada.

FairChoices.ca — Mortgage Solutions for Every Stage of Your Property Journey

From finding your first mortgage to accessing property equity, FairChoices.ca helps you explore mortgage options through banks, credit unions, alternative lenders, and private lending institutions, subject to eligibility and lender approval.

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1. Residential Mortgage Solutions

1. Mortgage for Purchase

Financing for buying a house, condominium, townhouse, or other eligible residential property.

2. First-Time Home Buyer Mortgage

Mortgage options and guidance for eligible first-time buyers, including down payment and qualification considerations.

3. Mortgage Renewal

Review your existing mortgage at maturity and compare available renewal options.

4. Mortgage Refinance

Explore replacing or restructuring an existing mortgage to access equity, consolidate eligible debts, or meet other financial needs.

5. Mortgage Transfer or Switch

Explore moving your mortgage to another lender, subject to qualification and applicable costs.

2. Equity, Specialized and Short-Term Mortgage

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3. Commercial and Construction Financing

• 13. Commercial Mortgage — Financing for eligible commercial properties, including office, retail, industrial, and multi-unit residential buildings.
• 14. Construction Mortgage — Financing for eligible new construction and development projects, potentially released in stages.
• 15. Renovation Mortgage — Financing for eligible property improvements and major renovations.
• 16. Investment Property Mortgage — Financing for eligible income-producing residential and commercial properties.
• 17. Multi-Residential Mortgage — Financing for eligible multi-unit rental properties and apartment buildings.
• 18. Land and Development Financing — Financing options for eligible land acquisition and real estate development projects.

4. Mortgage Options by Lender

FairChoices.ca can also organize its mortgage services according to the potential source of financing.

Lender category	General description
Banks	Conventional residential and commercial mortgage products
Credit Unions	Mortgage products offered by participating credit unions
Alternative / B Lenders	Options for certain borrowers who do not fit traditional bank criteria
Private Lenders	Property-secured financing with individually assessed terms
Specialized Commercial Lenders	Financing for eligible income-producing properties and development projects

Availability, interest rates, fees, qualification requirements, and repayment terms vary by lender and application.

six main categories:

Residential Mortgages

Purchase · First-Time Buyers · Renewal · Refinance · Switch

Home Equity Solutions

Equity Take-Out · Debt Consolidation · Second Mortgage · Reverse Mortgage

Commercial Mortgages

Commercial Properties · Multi-Residential · Investment Properties

Construction & Development

Construction · Renovation · Land · Development Financing

Alternative & Private Mortgages

Alternative Lending · Private First Mortgages · Private Second Mortgages

Mortgage Review & Comparison

Explore suitable lenders, compare terms, and review potential financing solutions.

Disclaimer

Your Property. Your Goals. Your Mortgage Choices.

At FairChoices.ca, we help you explore mortgage solutions for purchasing, renewing, refinancing, investing, and accessing property equity. From banks and credit unions to alternative and private lenders, we aim to help you find financing options suited to your needs, financial circumstances, and long-term goals.

You Choose. We Follow Through.

Visit www.FairChoices.ca to explore your options and take the next step in your property journey.

Important: Present these as mortgage solutions FairChoices.ca can explore or arrange where available, rather than guaranteeing that every product or lender is available for every applicant. Ensure all advertised services and lender arrangements are consistent with your Ontario mortgage brokerage’s licensing and regulatory requirements.