First Time Home Buyers Benefits | Canada - Lendramp.com Lowest Mortgage Rates in Canada

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First Time Home Buyer Hub

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Exclusive Benefits

How we Benefit first time buyers

Real Pre Approvals

We actually underwrite and pre approve you before you go shopping. 24 hour pre approvals

We find you free Money

First we get you approved for any Government Incentives you qualify for such as the first time home buyers incentive

Member Benefit

You benefit from the large rate discounts the banks give us. We get discount because of the large volume of mortgages we send to the bank.

Free Buyers Guidance

We walk you through step by step everything you need to know and understand in the buying process.

Discounted Legal fees

We have relationships with many lawyers, that give our clients discounts on legal fees.

Realtor Discounts

The realtors we work with provide our buyers discounts and benefits.

Multiple Lenders

We shop around at multiple lenders for the best rates and terms to fit your needs. We have access to more lenders.

Top 5% In Canada

Sean, your main broker is ranked in the top 5% of mortgage brokers in Canada. Making it easier to get approved

Easier Approval

We have multiple underwriters that all braistorm the easiest way to get you approved

Multiple credit bureaus

We are one of very few brokers that have access to both credit bureaus. If you have bad credit on one, we can use the other!

Quarterly Checkups

We find ways to save you money on interest every step of the way.

Free Mortgage Videos

Our youtube channel provides you with free videos to help you make wise purchasing decisions

How long does it take to get a mortgage?

Normally it will take 5-10 business days

How Much downpayment do i need?

Normally the minimum downpayment is 5% down. However you can borrow your downpayment and do a cashback mortgage called flex-down so that you can put as little as $0 down!

Should I get approved at my bank?

No, you do not need to go into your bank for approval. We pull your credit once and shop around for rates at all of the banks. The rates we can get you are lower than what you can get going into your bank. If you shop on your own, your credit will be pulled by every lender and will drop. This can prevent you from getting the best rates.

Can I get a mortgage if I have bad credit?

Yes you can! Provided you have 20% down. Please call us with any credit questions. It might not be as bad as you think! You can get a mortgage after bankruptcy and after consumer proposals.

Can I buy a second property with 5% Down?

Yes you can buy a second property with 5% down! It is called a second home. Normally people do this if they are buying a vacation home, or a home for their parents or childrenn.

Can you renew my mortgage?

Yes we offer mortgage renewals at amazing rates!

What is the minimum credit score?

Minimum credit score is 600 with regular banks for 5% down. If you have more than 20% down we can get you approved with a much lower score.

Am I eligible for the first time home buyers incentive?

You may be eligible! We will apply to the program for you and get you approved for 5% downpayment grant from the government for used property or 10% for brand new property!

Our Clients Believe In Us

HERE IS WHAT
THEY ARE SAYING

Can’t say enough great things about Sean and Radika! If you’re looking for professionalism, exceptional customer service and a hard working team that gets things done then they should be your go to! They’ve helped many of my clients increase their approval amounts, decrease their rates, get approved when other lenders or banks said no, and have also assisted clients to set up credit plans, helping them to rebuild their credit and get future approvals.

Sean is an amazing mortgage broker who got our very unique and challenging deal done at an amazing rate. I used a well-known and heavily advertised competitor at first, but when it ended up not being the deal we originally set out to get, Sean happily took over and crossed it over the finish line with an even lower rate. Not enough stars to give and will hire him again when we renew.

If I could give 10 stars I would! Radika Rampersaud is amazing to deal with and puts her clients first! I would highly recommend her services. As a legal assistant that does quite a bit of business with herself and Sean, their professionalism is amazing and they go out of their way to help! Thank you!