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Reverse Mortgage

A reverse mortgage is a big decision. Get free help from a licensed mortgage agent from The Laurin Team to guide you along the way and make sure you're happy that the decision is absolutely right for you.

Our advice is impartial and objective - we don't work for any bank or lender.

Get your free assessment and start your financial freedom today!

Mortgage & Financing Services

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Collateral Mortgage

There are two ways a lender can register a mortgage loan: they can use a mortgage charge or a collateral charge. With a mortgage charge, the lender will register your home with the land title or registry office in your municipality, and the mortgage can then be registered, transferred or discharged from your lender. A collateral charge, on the other hand, is registered under the Personal Property Security Act (PPSA) of Canada, and can only be registered or discharged (not transferred) from your lender. Keep reading to find out why and how this affects your mortgage.

Collateral mortgage make sense when you think you will need to borrow more money during the term of your mortgage.

Read more ...

What Clients Say About Us?

As a new employee I got a relocation package from Blackberry (RIM), which included an orientation tour in Ottawa and around. By that time we were mostly interested in finding a home to live and I asked the lady, who conducted the tour, about the mortgage specialist. Gemma negotiated with the current mortgage provider to reduce the originally proposed rate and provided the option for even lower rates with other providers and terms. She calculated the estimated money difference for those options and advised us regarding prepayment.

-Sergey & Evgeniya