Buying Your New Home
Whether you're upgrading, downsizing or looking for a starter home, buying a new home can be both exciting and overwhelming. From pre-approval to signing final paperwork you want to know that you have all the information you need to make the right decisions. At President's Choice Financial services, we† make the process simple and are here to help you every step of the way.
- Dedicated Mortgage Specialists
- Easy pre-approval available by phone, online, or at a PC Financial pavilion
- Up to 120 day rate guarantee¹ on fixed rate mortgages so you can take the time to find your dream home
Step 1: Get pre-approved
Simply gather your personal and employment information, details of what you own and owe and apply to get pre-approved by go tophone, go to online, or at a PC Financial go topavilion today!* For fixed rate mortgages, once you are pre-approved, your rate is guaranteed for up to 120 days, so you can take the time to find the perfect house for you.
Step 2: Apply for your mortgage
Once you've found the home you intend to buy, simply contact us to complete a full application.
Your Mortgage Specialist will work with you to collect all of the information and documentation required to complete your mortgage application.
They'll answer any questions you may have and ensure that you know where your application stands every step of the way.
Step 3: Meet with your lawyer
Before the closing date of your home, you will need to meet with your lawyer to sign the mortgage documentation. The lawyer will also arrange for the payment to the seller and for registering the property in your name. Ask your lawyer about title insurance.
Step 4: Welcome home
Congratulations! Look out for your welcome package in the mail confirming all of the details of your mortgage. We hope you enjoy your new neighborhood and look forward to seeing you at your new local store.
**Special offers apply only to new mortgages of owner-occupied properties with an amortization of 25 years or less. Annual Percentage Rate (APR) is based on a new $400,000 mortgage for the applicable term and a 25-year amortization assuming a Property Valuation Fee of $250. Rates shown for the applicable term are PC Financial’s special discounted rates and are not posted rates of PC Financial. Offer may be changed, withdrawn or extended at any time, without notice.
APR means the cost of borrowing for a loan expressed as an interest rate. It includes all interest and non-interest charges associated with the mortgage. If there are no non-interest charges, the annual interest rate and APR will be the same. Offer cannot be combined with other offers and is not available on variable rate, basic or cashback fixed rate mortgages, existing PC Financial mortgages or mortgage renewals.
ii2.27% APR (Fresh Cut No Points only)
iii2.69% APR (Fresh Cut and Fresh Cut No Points only)
* All credit products are subject to credit approval. Some conditions and restrictions apply; ask for details.
1 120 day rate guarantee available upon mortgage pre-approval or approval. Not available for variable rate mortgage. 60 day rate guarantee is offered when refinancing your mortgage. Subject to change without notice.
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