PURCHASE PLUS IMPROVEMENTS

CFMS can help qualified home buyers make their new home just right for them, with tailored improvements, immediately after taking possession of the purchased property.

If you’re thinking about renovating, there are lots of ways to finance it depending on the size of your project.

Since every homeowner’s financial needs are unique, it’s best to meet with us who can recommend the best solution for your needs.

With the Purchase Plus Improvements Program borrowers can:

  • Renovate their new home immediately after taking possession
  • Enjoy the convenience of having one mortgage payment
  • Benefit from lower interest rates
  • Enjoy the payment flexibility that comes with extended amortization
  • PLUS, we have an exclusive relationship with Above and Beyond Home Concepts!

How does it work?

  • You would need to provide the lender with a detailed quote for the work that is to be completed.
  • The lender will include the renovations into the mortgage approval.
  • The lender will hold back the renovation/improvement amount with the lawyer until the work is completed.

We have a program setup with Above & Beyond Home Concepts, to make this process easy and seamless.  They will help out with the quote, renovations, and the financing until the work has been completed.  All with a small deposit, so you do not need to fit the bill on the renovation costs.

Read Our Reviews

Client First Mortgages is rated 4.91 out of 5.0 stars based on 117 review(s).

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Steve has been so helpful to us as first time home buyers. He was always quick to answer any questions and help guide us through the process of getting a mortgage

- Michelle Pawlowski

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Steve was very helpful from start to finish on our refinance process! We highly recommend him for all your mortgage needs. Thanks!! Justin & Rafaela

- Justin McIntyre

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Fantastic experience with Nathan! Very helpful and fast communication. We will definitely work with Nathan again in the future!

- Michael Billinger

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Great at what he does, always puts the clients first !

- Bradley O’Rourke

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Steve was always available to explain clearly and guide my progress throughout the entire process. Full points Steve!

- Philip Gaulin

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Steve D’Souza has been very helpful every step of the way and has always been available to respond to any queries along the entire process. Full points.

- Philippe Gaulin

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Very knowledgeable, great help..

- Michael Quesnel

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Steve was really helpful in helping us prepare for our mortgage, I trusted his advice and appreciated his candour and responsiveness!

- Morgan Gibson

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Great Job

- Travis Charron

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Steve was incredibly helpful, clear in his explanations, and even referred us to a great lawyer/notary as well as a home insurance provider. Couldn't have asked for anything better. Thanks Steve!

- Christian Trineer

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Has been a great and easy experience working with steve!

- Kristin Houle

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This was my second time working with Steve when buying/selling my home. Steve got us the best financing for the sale of our old home and the purchase of our new home, and spent many hours explaining everything in detail over the phone. I have been very impressed with the level of care and professionalism from him.

- Lidya Ercag

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very professional easy to talk with. and understanding... thank you NATHAN..

- r todd

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Replied quickly to all requests and found me a great rate. Thanks

- Gary Johannson

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Nathan was amazing

- William Zimmerman

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great, courteous treatment

- Andrew Todd

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We can't thank Steve enough for his help in obtaining the best mortgage we could get for the house we've purchased. The circumstances were dire, but Steve managed to steer us through the process and negotiated successfully with the banks on our behalf. We recommend Steve to anyone looking to get the best mortgage on the market.

- Valeriu Juverdeanu

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Communicated clearly, let us know exactly what info would be needed and set realistic and accurate expectations. Reliably followed up on all requests and delivered with great results.

- Philip Weier

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My family works with Steve, he's great

- Sergio Romero-Glen

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Steve has helped us (and my children) secure mortgages. We love the confidence and sincerity with his approach and he surely has helped calm my nerves with each of our purchases!! I always highly recommend Steve to anyone, like I mentioned he secured both of my children’s purchases too! Thanks Steve!

- Brenda Erlandson

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Steve was referred to us by a friend of ours who used his services. He did not disappoint. He always responded to communications promptly and tried to keep us updated with the status of our application and helped us through out the process. We appreciate his help a lot and will certainly refer him to other friends who are seeking mortgage services.

- Armin Nasser Ranjbar

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Steve was immensely helpful in getting us the best rate and helping us through our first-time home buying process! He has a wealth of knowledge to share and recommendations for everything we needed. 10/10 would recommend! :)

- Kerri-Anne Pattison

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Steve was nothing short of wonderful. Pleasant and quick to respond to all of my silly questions. I wouldn’t hesitate to recommend Steve to anyone looking for an East, smooth and pleasant mortgage experience. Will definitely use Steve in the future.

- Nikki Cooper

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Very good

- Lihn Thi Thuy Pham

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Steve is fantastic to work with!!

- Michelle Vally

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Nathan was the most helpful person ever and always had time to answer all of my questions. This was my first purchase and I'll admit I didn't have a clue what I was doing. All I knew was that I wanted a place of my own. Nathan helped pull me through the fog and now I'm sitting in the living room of my very own condo! I would recommend anyone to him to do the same. Thank you so much!

- Sean Beauchesne

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Steve was great! He gets the job done and does it well.

- Ian Hilts

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Steve is great. He explains the financial aspect of your purchase or sale in layman terms. Very easy to understand and worknwith

- Michael McAuley

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Excellent experience! Attentive and knowledgeable. Steve made the mortgage experience easy. Exactly what you'd hope for when looking for a new mortgage.

- Daniel Lewin

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It was a long process of mortgage approval, specifically with a special need person . That was a great lesson and experience for Naima and I. Learned a lot. Your experience, knowledge and clarity on the process of the Case are fantastic.

- Sharifa Noori

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Excellent.

- Stephen Kobe

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Excellent service, thanks Steve!

- Jan Schulze

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Your broker came through for me when my own bank of 50 years couldn’t so thank you!

- Christine Martyn

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Very responsive and helpful with my mortgage initially and upon renewal a couple times now.

- Jeremy Bruce

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Life saver was a short deadline and Steve was right on it from day one. Thanks

- Sarita Dunne

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Steve D'Souza was my Mortgage Broker referred by my Realtor. I was really happy that I got a mortage through him. Whenever I contacted him, he responded very quickly. Because this was my first home buyer, I didn't have any knowledge of purchasing a property and didn't even know what kind of questions that I have to ask. He was very patient with me explaining how it works. Once I provided the documents that he needed, it took only 6 days to get my mortage approved. Isn't that fantastic? If anyone who needs help with mortage, I highly recommend him. You won't be dispointed for sure.

- Imsook Cha

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Was extremely professional! Helped me with everything from beginning to end. Couldn’t be more happy with the service he provided! Thanks Steve!

- Brad Vey

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Steve D'Souza was super helpful in arranging the finance for our new home. He is knowledgeable and enthusiastic and kept us informed all through the process. Would highly recommend working with him!

- Elizabeth Swanson

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From the very beginning of the process, Steve listened to our situation and sprouted us all along the way. This is our second mortgage through him and I would highly recommend.

- Kristal Bereza

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Fast and efficient

- Jacob Kamlade

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Steve is amazing ! He goes up and beyond to help. Is friendly as knowledgeable! Thx you Steve for all your hard work and help.

- Stephanie Berezowski

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He is so good person if you work with him you will be so happy thank you so mush Steve

- Vikin awakian

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Highly recommend

- Vikin Awakian

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Great experience working with this company and with Steve! Super helpful & organized, and love how they take you step by step through all the requirements/processes. Great communication, always available to answer questions, and gave clear instructions. I thought getting a mortgage was going to be a difficult, confusing process, but they made it so straightforward and easy! Ended up with a great interest rate as well! Highly recommend this company - will definitely work with Steve again in the future.

- Sarah Tylor

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Thank you for keeping me informed and always being clear and ahead of the game!!

- David Dicaire

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Steve and Client First Mortgages always does a great job for us and I highly recommend their services for anyone looking for a mortgage broker.

- Ryan Nichols

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Very helpful. Nathan was available at all times and made the whole process as easy as it could be. I would recommend him to my friends and family

- Joel McEvoy

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Steve was great! Very thorough and efficient. After waiting around for weeks for our big bank to help us renew our mortgage, Steve quickly helped us and provided a better rate than our long time big bank did. Communication was consistent and we knew exactly what was going on at all times. Thanks Steve!

- Heather Brown

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Excellent Job. Very Professional!!

- John Smillie

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Top notch customer service ... Steve made everything super simple and kept us updated through out the entire process

- Michael Cook

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Steve and his team are always on top of everything - they do a great job. He's done several deals for my wife and I (both purchases and refinances) and we've always been very impressed with his level of service and professionalism and advice.

- Greg Dent

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My wife and I have been helped by Steve at Client First for two home purchases now. Throughout both experiences the communication thru the process has been fantastic, the work on his end was above and beyond. He was able to find us a better rate than expected and was always very thorough with responses to any questions we had and made us feel very comfortable by sharing his knowledge of the business. Would highly recommend.

- Daniel Cawker

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Extremely helpful and excellent at what he does. My 3rd time being his client.

- Mark Aylott

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As a first time homebuyer this was an experience that intimidated me and my wife very much, our broker Steve helped alleviate the anxiety every step of the way, thank you for more than just help Steve, we both appreciate it!

- Patrick McConville

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This brokerage team is Awesome. Steve D’souza went up to bat for us and secured our first mortgage. He did an amazing job! We will most definitely refer anyone who needs this service to team D’souza! Cheers

- Mark Johnson

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An absolute pleasure dealing with Steve. Super fast efficient service finding us the best solution for financing. Highly recommended!!

- Craig van Heerden

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Steve has been awesome to me and my family, patiently taking us through each step of the mortgage process. Thank you, Steve!

- Elrino Aradea

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Steve was always extremely attentive and managed to get the job done, even when I had a few hurdles come my way, found a quick solution and made the process easy.

- Rheanna Betker

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Steve is an experienced professional, and it is a pleasure working with him each time. Steve got the job done with minimal effort from our part, even though our process created a lot more work for Steve.

- Mike Shobiri-Nabavi

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Professional, honest and knowledgeable. Steve has been great to work with. I look forward to working with him again.

- Jaydon Hamilton

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Steve’s awesome. Made. Very stressful time easier with clear guidance.

- Tom Canning

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Steve went over and above in assisting us with our mortgage. He explained every step of the process patiently to us and went with the flow when the process changed mid-stream. Steve was very efficient and professional.

- Leslie Gilbert

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Efficient, reliable, professional service. Wouldn’t hesitate to recommend Steve.

- Amanda Marie

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Steve was amazing from the moment we met. He is really on top of things and very accessible. He walked us through everything and explained things very thoroughly (first time buyers). I would definitely recommend him.

- Dulta Bennett

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great guy to deal with.

- Rob

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Great guy, easy to deal with and very knowledgeable.

- Robert Stelmack

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Working with Steve was a pleasure, with more than a few complications on my end he was able to quickly find multiple solutions to work for me.

- Cassandra Sarling

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Great service and great advice. Saved me a lot of time and money! Thanks.

- Robert Neubauer

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Awesome team and great service. Made the purchase of our new home a stress free and smooth transition.

- Chad Walton

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Reliable, efficient, and organized.

- Thi Sayer

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Steve is awesome. I had a ton of questions, because this was my first home and Steve answered all my questions and helped me with my mortgage with the best rate possible.

- Nick Klein

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Great experience and would absolutely recommend him to my friends and family. Thanks for everything Steve!

- Chad Wallace

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Made simple quick easy efficient Great job Steve

- Claudette Roy

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Steve has been great. Very professional and most helpful. I wouldn’t hesitate to refer him to friends and family.

- Cynthia Schurink

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We changed our financing a few times during the course of our purchase and sale. Steve jumped through hoops every time and made it work for us even when we didn’t think it would.

- Veronica Martin

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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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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