Read Our Reviews

Client First Mortgages is rated 4.76 out of 5.0 stars based on 42 review(s).

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Steve made it very easy and simple got a great rate for us highly recommend

- Derek Doucette

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Steve offers outstanding service! Covers all bases for very smooth transitions through the entire process. Thank you.

- Jamie Parkin

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Great guy great service

- William Carrie

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Excellent, professional, efficient. Impressive. Very thankful to have Steve organize the deal.

- Cheryl Harrington

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I was very impressed with the service I received with ClientFirst. I highly recommend them. Very professional and knowledgable.

- Susan arnold

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Very good

- Todd Wiebe

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Steve was extremely helpful, knowledgeable and prompt. He made the process and my options easy to understand and I would highly recommend him to anyone.

- Glen Fishbook

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Steve is fantastic, gets the job done with little fuss and he is clear in explaining the process and mortgage products

- Timothy McCutcheon

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Great service! Thanks Steve!

- Clive Ivins

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Thanks for the work and time you did Thanks again

- Ricky Vella

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Steve was very organized, informative, punctual, and reassuring especially with everything going on with the pandemic and not being able to meet people in person.

- Brodie Procyk

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Very professional, and well informed. I appreciated the advice and service. Steve kept me informed of the latest information and market advice, and quickly helped with my mortgage needs and future planning. I would definately recommend, and will use again Client First Mortgages.

- Susan Arnold

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Steve is very professional and made the mortgage process quick and easy!

- Kent Senko

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This was our first home purchase, Steve was very patient with us, not only explaining all the steps of the mortgage application process but also walking us through various scenerios and concerns.

- Robert Gora

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I would highly recommend Steve DSouza as an amazing mortgage broker. This was my first experience with using a mortgage broker and I must say that he was so on top of every part of the process, extremely professional, and got us an amazing result in a very timely manner, especially through this COVID-19 time in our lives. I highly recommend using Steve DSauza for your mortgaging needs.

- Lynn Anderson

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Steve made the mortgage process smooth and simple. As questions arose, communication was clear and helpful. As a first time a first time home buyer, the learning curve of finding an ideal mortgage resembled less of a mountain and more of a hill. Would recommend.

- Joel MacLean

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Hey there Steve. You made the process smooth and informative; you brought clarity when answering questions and it couldn't have been a better process. The place is great, and our transition into it has been easy! We will definitely recommend your services to friends and family.

- Joel M and Aaron M

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First Class

- Richard Brown

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Steve was very helpful from the beginning. He was knowledgeable and professional. Highly recommended!

- Alan Braun

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This was my first time using a Mortgage Advisor and I wasn't disappointed. Nathan was professional, helpful, knowledgeable, and so informative. I got a great rate on my mortgage. I would definitely recommend Nathan to my friends and family.

- Jennifer Baillie

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Very professional and got me a great rate!

- Pamela House

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great job

- Nelson Talbot

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Great to work with; knows his stuff.

- Scott Walters

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Had the privilege of working with Steve D'souza as my mortgage advisor. He went over and above for me and gave me all the information when it comes to the fine details of the mortgage and the best deal. Will definitely be recommending Steve to all my friends and family.

- William Lawless

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We’ve worked with Nathan Isherwood twice now and the process is easy for clients who might not be doing mortgage applications often and his explanations are clear and easily understood.

- Greg Basham

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We've worked with Nathan Isherwood twice now and the process is easy for clients who might not be doing mortgage applications often and his explanations are clear and easily understood.

- Greg Basham

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Steve was easy to work with! He made the process smooth and reduced the stress of financing. His communications were clear and timely. We would definitely use his services again.

- Lisa-Dawn Markle

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I highly recommend Steve & Nathan at Client First Mortgages! I will continue to use personally and recommend to my friends and family for all their new mortgage and re-financing needs!!

- Chase Shymkiw

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I highly recommend Steve & Nathan at Client First Mortgages! I will continue to use personally and recommend to my friends and family for all their new mortgage and re-financing needs!!

- Chase Shymkiw

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I highly recommend Steve & Nathan at Client First Mortgages! I will continue to use personally and recommend to my friends and family for all their new mortgage and re-financing needs!!

- Chase Shymkiw

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I highly recommend Steve & Nathan at Client First Mortgages! I will continue to use personally and recommend to my friends and family for all their new mortgage and re-financing needs!!

- Chase Shymkiw

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I highly recommend Steve & Nathan at Client First Mortgages! I will continue to use personally and recommend to my friends and family for all their new mortgage and re-financing needs!!

- Chase Shymkiw

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Steve! Thank you so much for everything, the mortgage process was seamless and pleasant. Usually a stressful process but you made it so much better, Star and Nabi

- Setareh Doustdar-Haghighi

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Steve always makes himself available, even for the most simple of questions.

- David McKillop

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We recently purchased an investment property and had Steve help us out. He was able to get us qualified at a lower rate and for more money than the bank. He was a pleasure to work with.

- Brad Davis

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We had a really short contract period but Nathan was able to get us approved at a great rate and without any hassles. The whole process was smooth and stress free. Thanks.

- Bradley Davis

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Steve was so helpful, calm, and encouraging every step of the way - he made what could be a very stressful process as smooth and painless as could be. Thanks Steve!

- Natalie Jones

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We are very happy with our dealings with Nathan. He was able to set up things for us quickly and answered any questions or concerns we had.

- Constance Robson

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This is our second time using Steve as our mortgage broker. He goes above and beyond every time. Always answers questions we have no matter how big or small, and lets us know what is going on every step of the way! He’s amazing at his job and very knowledgeable!

- Jennifer Boyes

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No one better than Nathan

- Michelle Lycan

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Steve's caring and knowledge was essential.He is an asset to your company!

- Hooshang Jafarzadeh

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Excellent experience. We will highly recommend Steve.

- Christopher Rankin

Home Equity Lending

A Home Equity Loan in Canada is a general term that describes different types of loans in which the borrower uses the equity in their home as collateral.

Home equity is the difference between what you owe on your home and your home’s market value.   Your home equity increases as you pay off your mortgage and as your home value goes up.

There are three different types of home equity loans in Canada that are available:

  • Home Equity Line of Credit
  • A second mortgage
  • A reverse mortgage

Home Equity Line of Credit (HELOC)

A HELOC, is a revolving Line of credit that is secured by your home.  It allows you to pay it off in full and then re-access funds without having to apply for new credit from your lender.  On a home equity line of credit, you can get a maximum of 65% of your home’s appraised value.  The more equity you have in your home, the more money you can borrow.  

Costs that are associated to applying for a HELOC are:  appraisals, title searches, title insurance and legal fees.   

Things to remember with regards to the payments on a HELOC. 

  • It’s a revolving credit facility, you therefore only pay interest on what you borrow.
  • The payments are interest-only. You’re still responsible for making principal payments, but you decide when and how frequently you do so.

Second Mortgage

A home equity loan can be considered a second mortgage, if the home equity loan is in second position.   The amount you can borrow will depend on the amount of your home’s equity.

  • A second mortgage option are typically for people with low/no/unprovable income and/or low credit scores
  • It can help to reduce interest payments if you have a lot of credit card and other high interest debt
  • It can be the only way to pay urgent, overdue bills such as property taxes etc.

 Reverse Mortgage

If you are a homeowner in Canada and are 55 years or older, you may qualify for a reverse mortgage.   One of the most attractive benefits of a reverse mortgage, is that you don’t have to make regular payments.  You don’t need to pay off the loan until you sell.

With a reverse mortgage the bank makes monthly payments or a lump-sum payment to you.  The amount you qualify for depends on the value and equity of your home, your age, amount of secured debt and property type/location. 

Reverse mortgages are designed to increase your income so that you can have a much more comfortable retirement.

  • The reverse mortgage is the best of the three options for cash-strapped retirees looking to boost their retirement income
  • Easy to qualify for if you are aged 55+ because income and credit scores are not considered
  • Offers the most unique of home equity loan benefits: No need to make scheduled repayments, so this provides a cash injection with no negative impact on cash flow
  • A good option for retirees looking to use some of their equity to financially help out family, leave an early inheritance, pay for a family wedding or their grandkids’ education

Our mortgage brokers can produce and show you several different options so that you can select the optimal product for your specific needs.  Working with a broker means you have someone your side – always.