Buying your first home
Understand the application process, the information a lender may request and the other costs to consider alongside your down payment.
Your next address. A clearer way forward.
A first home, a renewal or a change in plans. Explore mortgage conversations with Ritu Sachdeva, Mortgage Agent Level 1, through Centum Financial Services Limited Partnership, brokerage licence 13054.
Three common starting points
Renewing your mortgage
Review your lender’s renewal offer, the timing, your remaining amortization and the questions to ask about your options.
Exploring refinancing
Discuss your goals, existing mortgage terms and potential costs. Any new financing depends on lender review and approval.
Bring your plans. We’ll start there.
Think about your purchase or renewal timing, comfortable payment range, current debts and any changes you expect in your circumstances.
Do not send identification, banking information or mortgage documents through a general email enquiry. Ask Ritu about the appropriate secure application process.
Questions worth asking
- How do the term and amortization differ?
- What fees or penalties could apply?
- What prepayment options does the contract allow?
- How would a rate change affect my plans?
- Which documents will the lender need?
Ritu’s Level 1 mortgage licence covers the permitted lender scope for that class. Private-lender brokering is not advertised here.
Big life decisions. A clearer next step.
Call, email or send a short enquiry. Ritu replies personally.