Where Finance Creates Freedom
Spark Financial GroupSpark Financial GroupSpark Financial Group
(647) 730-5556
info@sparkfinancialgroup.ca
Vaughan ON L4L 8A9

Services

“Where Finance Creates Freedom”

Providing the highest level of comfort and trust throughout the mortgage process.

Our Mortgage Agents will provide you with honest and unbiased guidance and advice, while educating you on the various mortgage options that are available on the market. We do not rest until you are 100% satisfied with your mortgage and are in the home you love!

Our Calulators

Purchasing a Home

Purchasing a home can often seem stressful and overwhelming but it doesn’t have to be. If you are a first-time home buyer, the Canadian government has tax credits and rebates that can help you save on closing costs. The first is a First-time Home Buyers’ Tax Credit which allows you to retrieve some of the closing costs associated with a purchase, like inspections and legal fees. The second is a Land Transfer Tax Rebate that permits first time buyers to recover a percentage of the land transfer tax paid on their house. This applies only to Canadians living in Ontario, British Columbia and Prince Edward Island. Certain homeowners in the City of Toronto are eligible to receive an additional rebate as well. 

As a seasoned home buyer, you may not be eligible for some of these government programs, but that doesn’t mean you can’t keep your buying costs low. A great option for all buyers is to apply for a mortgage pre-approval before purchasing a home.

Getting pre-approved will help you understand how much you can spend on your new home and allow you to lock in a great rate for up to 120 days (4 months) Once your rate is secure, you will be able to avoid rising rates and focus on finding your perfect home. And if the interest rates decrease before you buy your new home, then you can always re-qualify for the lower rate.

At Spark Financial Group, it is our goal to match you with an experienced Mortgage Broker who will be dedicated to finding the best mortgage rate and term for you. Our mortgage expert Mortgage Agents work closely with each individual to make sure their financial goals are being met.

Our priority is to provide you with the best service in the industry, and the highest level of comfort and trust throughout the mortgage process. Our Mortgage Agents will provide you with honest and unbiased guidance and advice, while educating you on the various mortgage options that are available on the market. We do not rest until you are 100% satisfied with your mortgage and are in the home you love!

Our Services

Buying Your First Home

Our trusted mortgage professionals will help you understand what you are eligible for and ensure that you get the most from your first home purchase.

Mortgage Renewals

The expert mortgage agents at Spark Financial Group are here to help you find the best possible rate for the renewal of your mortgage.

Mortgage Refinancing

Need money for home renovations or to finance a personal purchase, the experts at Spark Financial Group can help you get the best deal that’s right for you.

Private Mortgage Loans

Private mortgages are short- term, interest-only loans, ranging in length from 1 to 3 years.

Home Equity Loan

A home equity line of credit, or HELOC, is a revolving line of credit secured by your home at a much lower interest rate than a traditional line of credit.

Bad Credit Mortgages

There are many home loans options available for individuals with bad credit or low income who have been turned down by the major banks.

Purchasing a Condo

Looking to purchase a Pre- Construction Condo? Get in Touch with Us Today and Let a Spark Financial Group Expert Assist You!

Debt Consolidation

Consolidating high interest debt – like credit card balances and auto loans – into a low interest mortgage can save you thousands in interest payments.

Commercial Mortgages

At Spark Financial Group, we make it easy for our customers to apply and get approved for a commercial mortgage from as little as $50,000 to over $100,000,000.

Let’s have a cup of coffee!

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We provide exceptional Financial commercial and residential properties corporate environments,

    Our services:

    Being a first-time home buyer is exciting, but can also be intimidating because of all of the information and options available to choose from. It is important to do enough research before deciding what home to purchase so that as a first-time home buyer, you get the best deal possible on a mortgage for your new home.
    If you are nearing the end of your mortgage term and are 4 months or less away from your renewal date, you should have already started exploring your renewal options with your current lender and also shop around with other lenders.
    Refinancing means renegotiating your existing mortgage loan agreement, usually to access the equity in your home, or to lower other borrowing costs by taking advantage of a lower interest rate. Refinancing can help you consolidate debt or pay for other large expenses like education or renovations. When you refinance, you select new terms for your mortgage loan agreement.
    Private mortgages are short- term, interest-only loans, ranging in length from 1 to 3 years. Interest only loans do not require homeowners to pay the mortgage principal down, and instead only require interest payments each month.
    A commercial mortgage in Canada is a mortgage loan given to the owner of a property that is not considered a residential home. It is often times one of the largest financial investments that an investor makes in their life.

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