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.

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Mortgage rates

3 year variable

0.99

%

Bank Rate - 
3.20
%
5 year variable

1.25

%

Bank Rate - 
1.75
%

%

Bank Rate - 
%

%

Bank Rate - 
%
Rates current as of July 2021.

Mortgages as unique as you

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

Purchase

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

Mortgage renewals

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

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 refinancing

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

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.

Mortgage calculators

Preparing to take out a mortgage? Understand what you’re signing up by using our mortgage payment calculator to plan better.

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.

orward
Apply

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

Processing

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).

Acceptance

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.

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).

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!

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!

"Shafraaz was able to take a complex deal, simplify it and execute it perfectly. He is a consummate professional and a pleasure to work with. We will definitely be working with him on all our future projects
Kori Chilibeck
Founder: Earth Group of Companies, Earth Water, Earth Coffee and Earth Tea
Shafraaz is a hard-working and very knowledgeable mortgage broker, who was able to pull together our complex "business-owner-needs-a-mortgage" deal with professionalism and, most-importantly, success. I whole-hardheartedly recommend him and will use him again. Thank you Shafraaz
Jason Desaulniers, CFP, CLU, CIM, CHS
Certified Financial Planner & President, Excalibur Executive Planning Inc.; President, ADVOCIS Edmonton Chapter

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.

See the full team
Kevin Thach
Shafraaz Dossa

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.

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