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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.

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What Clients Say About Us?

I cannot express enough my appreciation for all your hard work to get me my dream home. I have to say that you really worked your magic for all of the challenges we faced throughout the process. The word is for anyone who knows you or deals with you is that you are amazing and you really know your business. I will have no reservations or hesitation to refer to you anyone I know who is looking for a mortgage or refinancing products. You provided me with your best which is top notch service and professionalism all the while putting me at ease to reduce a very stressful time.

-Dan B.