Residential Mortgages
Residential Mortgages
We at Buckley Mortgage Broker – Mortgage Wellness are passionate about enabling Families to realize their family dreams and assisting you to understand the complexities of financing your new home purchase. Whether you are a new Canadian, self-employed or recently retired we can assist you and your family realize your home purchase goals.
First Time Home Buyers
With 82% of Millennials planning to buy a home in the next five years, you need a Mortgage Advisor who understands your needs. Gerard combines years of family and real estate experience with empathy to guide you through one of life’s biggest financial decisions. At Buckley Mortgage Broker – Mortgage Wellness, we ensure you get the right mortgage and the right service to secure your future.
Home Equity and Renovations
From landscaping to expanding your kitchen or adding a backyard pool, many Canadians use home equity to fund renovations. Renovating instead of relocating saves on real estate, legal, and transfer fees while extending the enjoyment of your current home. At Buckley Mortgage Broker – Mortgage Wellness, we help you access financing options that fit your lifestyle so you can focus on creating your ideal living space.
Mortgage Refinancing
Refinancing allows you to use your home equity to pay off debt, renovate, or pay down your mortgage faster. Refinance up to 80% of your home’s value to consolidate high-interest payments, reduce monthly expenses, and save money over time.
Buying a Second Home and Recreational Properties
Owning a second home or recreational property is a dream for many Canadians. Whether it’s near the ski hills, bike trails, golf courses, or the waterfront, Gerard’s experience and local knowledge make financing easier. At Buckley Mortgage Broker – Mortgage Wellness, we support lifestyle-driven purchases that allow you to build wealth while enjoying a personal retreat for your family.
Unlocking the value in your Home for Seniors
Your home is a key part of your financial plan. For those over 55, options like a Home Equity Line of Credit (HELOC) or a Reverse Mortgage can unlock value for retirement, renovations, or lifestyle needs. With more than 40 years of financial and investment experience, Gerard ensures your mortgage financing works in harmony with your retirement, tax, and investment planning. Increasingly, Canadian retirees are using home equity to live independently and achieve their financial goals.
Quick Application
Thinking of buying? Let’s start the conversation.
When obtaining your mortgage, you will be faced with issues such as dealing with lawyers, creditor insurance, title insurance, deciding the term of your mortgage, and most importantly, the hidden costs of a low rate mortgage. To navigate this process, you need an experienced advisor that stands with you in your corner for the entire transaction.
Self Employed and Obtaining a Mortgage
We at Buckley Mortgage Broker - Mortgage Wellness understanding the complexities that having self-employed income presents when applying for Mortgage Credit. We work with lenders who understand that your objective is minimize your taxable income and to maximize the expenses of your business.
It is inherent in the DNA of Canadians to pay the minimum tax required. Buckley Mortgage Broker - Mortgage Wellness team understands this well, having spent many years of experience as independent contractors and investors employing tax efficient strategies in business.
New to Canada
When you first come to Canada there are many challenges both you and your family are faced with. You have overcome much and now you are in a position to purchase a home for your family. As a new resident, you most likely will not have a credit history in Canada. We are prepared to work with you and our many lenders. With verifiable income, you will often be able to access mortgage financing.
Our Process Is Simple. Ready to Apply?
Gerard’s Mortgage Insights:
Changes for First-Time Home Buyers — What You Need to Know
Did you know the Canadian government made changes to the First-Time Home Buyers Incentive (FTHBI) last week?
Gerard Buckley, Mortgage Broker and his Team Support the Owen Sound Regional Hospital Foundation
Supporting the OSRHF is an Honour Last week, Gerard Buckley, Mortgage Broker, along with his fellow team member Oakley Patterson, Mortgage Agent, met with […]
First Time Home Buying for Millenials in Ontario – How to Do it Right
Follow These Important Steps to Get Closer to New Home Ownership: So — you’re ready to buy a home. The only problem is, you’re not exactly...
How to Budget for a New Home Purchase?
Whether you are a Boomer, Millennial, Gen Z, Parent or Young Person settling down, buying a home is the single most expensive purchase you will make. This event stresses many young people... […]
Building a Budget for New Home Ownership
So, you’ve decided it is time to purchase a new home. Whether this is your first home, last home, or somewhere in between, there are many financial issues that must be considered. Budgeting ...
