Residential Mortgages

Your mortgage should speak to your individual needs, situation, and financial goals. We’re here to provide you with your best rate and simple process.

Apply now! We’ll start working on your submission right away and reply within one business day.

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Mortgage rates

3 year variable



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5 year variable



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Rates current as of September 2023.

as unique as you

No two homeowners are alike. That's why we offer flexible services and low fixed and variable interest rates for first-time home buyers, those who are self-employed, newcomers to Canada, vacation home and investment property mortgages.

Mortgage refinancing

Looking for an opportunity to reduce your rate or unlock equity? We can help to get you the money you need.


Ready to buy? Let us get you pre-approved. Lock in your rate today and shop with confidence.

First time home buyers

We'll walk you through the mortgage process from start to finish and answer any questions you may have along the way.

Mortgage renewals

Should you stay or should you go? Let our experts take a look and ensure you're getting the best rate possible.

Credit improvement

Life happens. We have mortgage lenders who will consider bruised credit and help find a solution to your immediate and long-term needs.

Reverse mortgages

Planning to retire? A reverse mortgage may provide 55+ homeowners with new opportunities for freedom.

Spousal buyout

Separation is hard enough. Let us help alleviate some of the stress with a spousal buyout.

New to Canada

Are you a recent immigrant to Canada and are interested in becoming a homeowner? You guessed right: we can help.

How we do it

We’re all about keeping things simple — and that includes residential mortgages. Don’t stress over the numbers and calculations; we’re here to help you get a competitive interest rate, whether you’re buying a new home or refinancing an existing one.


Our one-step online application is secure and takes less than one minute to complete.


After your application is received, we'll contact you to discuss your needs and specific goals. Next, we’ll prepare and send your application to one or more of our lenders for a rate hold (if you are looking for a new home or additional property) or a rate approval (if you already own or have an accepted offer on a property).

Funding and your closing appointment

Your mortgage is now ready to be registered and signed. This can be done by making an appointment with your lawyer or facilitating company—we'll let you know the process in advance. The mortgage funds are then transferred to the seller (purchases) or to a lender (existing mortgages).


Once your loan application is approved, you will be sent a Mortgage Commitment which you’ll need to sign and return along with any other requested documentation. Once these final documents have been approved by the lender, your loan will be instructed to your lawyers office.

Beyond funding

Our job isn’t done just because the funding is—we’re with you for the life of your mortgage. We can conduct a review when your term comes to an end, refinance your existing mortgage, assist with the purchase of an additional property, right through to the moment you become mortgage free!

Builder perks

Our builder perks program rewards clients who choose to obtain a mortgage through our home builder partners with exclusive perks including:

  • Proactive approval: obtain full approval and lock in your rate for 12 months as long as the purchase price, your employment and/or credit does not change. Carry your discounted rate forward or choose a lower rate if available, up to 3 months before possession.
  • Flexibility: move from a variable to a fixed rate mortgage at any time during your term. The new term must exceed the remaining term of the variable mortgage.
  • Fixed monthly payments: enjoy a lower variable rate mortgage with the comfort of knowing that your monthly payments will remain fixed for the term of your mortgage.
  • 12-month rate hold: secure your rate hold of Prime – 0.9% for up to 12 months. 90 days prior to possession, we’ll help you find the best rate and terms available at that time.


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Get answers

What is a mortgage agent?

KV Capital’s mortgage agents work with a number of different lenders to help find a mortgage to suit your specific needs. If you meet standard guidelines, working with us is typically free. In situations where a fee is incurred, rest assured that it will be communicated to you and documented up front.

What are the costs of obtaining a mortgage?

Some costs associated with a mortgage include legal fees, appraisals, home inspections, and utility hook-ups.

What is the difference between an insured and uninsured mortgage?

If your down payment is less than 20%, your mortgage will be insured by CMHC; lenders cannot lend more than 80% of the value of a home unless it is protected. When your down payment is 20% or more, it is considered a non-insured mortgage.

Why is getting pre-approved for a mortgage so important?

Getting a mortgage pre-approval is important for a few reasons. A pre-approval will let you see what you can comfortably afford (mortgage, taxes, utilities, etc.) and it will allow you to stay within your means, which; can mitigate potential problems before you start the house hunt.

Once I am pre-approved for a mortgage, will I have any issues obtaining a mortgage?

Once a pre-approval is issued, you are officially qualified as an applicant. At this point, we can verify your income, credit history, and down payment. We cannot, however, pre-approve a home purchase; this is subject to lender or insurer approval.

What happens when I find a home?

Once you find a home you love, the fun begins. Your offer to purchase is accepted, the mortgage is approved by the lender or insurer, conditions are removed (i.e., subject to financing), lawyers will sign off on legal paperwork, you will need to pay the remaining down-payment and closing costs, and now - you've officially purchased a house!

Meet our team

Our residential mortgage team knows that negotiating a mortgage can be daunting. Their real-world knowledge and experience will make the process less confusing, and save you time and money.

Karim Rayani
Stephanie Biamonte

Let's do this

Ready to secure your residential mortgage? Our team of experts are here to guide you through the process and set you up for pre-approval.