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First Time Home Buyer Mortgages

Buying your first home is a major financial milestone — and it often comes with questions about affordability, rates, and long-term commitment. We simplify the process by building a structured plan before you even start house hunting.

Purchase, Refinance, Renewal

Your mortgage should adapt as your life changes. Whether you’re purchasing a new property, refinancing to improve cash flow, or renewing an existing term, we approach every file strategically — not transactionally.

Private Mortgage Investments

Private mortgage lending offers investors an alternative asset class backed by real estate security. We work with qualified investors seeking reliable, structured returns through carefully assessed lending opportunities.
More Mortgage Products

Cash Back Mortgages

Cash back mortgages are a type of mortgage that offers a cash incentive to homebuyers.

Mortgage Renewal

As a homeowner in Canada, you may be familiar with the process of renewing your mortgage.

Self Employed Mortgages

Self-employed individuals in Canada face unique challenges when it comes to securing a mortgage.

Property Investor Services

At The Place To Mortgage we offer award winning property investor services.

Mortgage Renewal Rate

If you’re a homeowner in Canada, you’re likely familiar with the concept of mortgage renewal rates.

Second Mortgage Lender

If you’re a Canadian homeowner, you may have thought about using a second mortgage lender.

Mortgage Refinancing

As a homeowner, you likely understand the importance of finding the right mortgage.

Limited Credit / New to Credit Mortgages

When it comes to applying for a mortgage in Canada, having a good credit history is typically a key requirement.

Bruised Credit / Bad Credit Mortgage

When it comes to buying a home, a good credit score is often seen as a prerequisite.

Second Home / Cottage Mortgages

If you’re considering buying a second home in Canada, you’re not alone.

Debt Consolidation Mortgage

If you’re struggling to manage multiple debts with high interest rates.

Financing Raw Land Purchases

Raw land purchases are restricted for the most part to a LTV (loan to value) of approximately 75% depending on zoning and purpose.

Construction (Build) Mortgages

If you’re planning to build a new home or undertake a major renovation, you may be wondering how to finance the project.

Mortgage Plus Improvements

Buying a new home is a significant investment, and sometimes, the home you purchase may not be exactly what you envisioned.

Home Equity Line of Credit

Home Equity Line of Credit (HELOC) is a low-cost borrowing option, using the equity you have in your home.

Commercial Mortgages

Commercial mortgages are an essential tool for businesses in Canada looking to purchase or refinance commercial properties.

Self Employed Mortgages

Self-employed individuals in Canada face unique challenges when it comes to securing a mortgage.

Mortgage Plus Improvements

Buying a new home is a significant investment, and sometimes, the home you purchase may not be exactly what you envisioned.

Reverse Mortgages

Reverse Mortgages are mostly designed for Canadian homeowners aged 55 and older.
Education

Mortgage Application Process

Are you ready to buy a home? The home buying process can sometimes be just as confusing and overwhelming as it is exciting.

Mortgage Closing Costs

Banks usually require a purchaser to have a minimum of 1.5% of the purchase price available for closing costs (on top of deposit/down payment).

Improving Your Credit Score

Payment History Tips

Default Mortgage Insurance

Default mortgage insurance is in place to cover the lender in case the borrower defaults on his payments.

Mortgage Life Insurance

Although mortgage life insurance is not mandatory, it is important to ensure proper insurance protection is in place when purchasing a home.

Mortgage Glossary

Mortgage Glossary
Blog
Contact

Home
About Us
Top 3 Services

First Time Home Buyer Mortgages

Buying your first home is a major financial milestone — and it often comes with questions about affordability, rates, and long-term commitment. We simplify the process by building a structured plan before you even start house hunting.

Purchase, Refinance, Renewal

Your mortgage should adapt as your life changes. Whether you’re purchasing a new property, refinancing to improve cash flow, or renewing an existing term, we approach every file strategically — not transactionally.

Private Mortgage Investments

Private mortgage lending offers investors an alternative asset class backed by real estate security. We work with qualified investors seeking reliable, structured returns through carefully assessed lending opportunities.
More Mortgage Products

Cash Back Mortgages

Cash back mortgages are a type of mortgage that offers a cash incentive to homebuyers.

Mortgage Renewal

As a homeowner in Canada, you may be familiar with the process of renewing your mortgage.

Self Employed Mortgages

Self-employed individuals in Canada face unique challenges when it comes to securing a mortgage.

Property Investor Services

At The Place To Mortgage we offer award winning property investor services.

Mortgage Renewal Rate

If you’re a homeowner in Canada, you’re likely familiar with the concept of mortgage renewal rates.

Second Mortgage Lender

If you’re a Canadian homeowner, you may have thought about using a second mortgage lender.

Mortgage Refinancing

As a homeowner, you likely understand the importance of finding the right mortgage.

Limited Credit / New to Credit Mortgages

When it comes to applying for a mortgage in Canada, having a good credit history is typically a key requirement.

Bruised Credit / Bad Credit Mortgage

When it comes to buying a home, a good credit score is often seen as a prerequisite.

Second Home / Cottage Mortgages

If you’re considering buying a second home in Canada, you’re not alone.

Debt Consolidation Mortgage

If you’re struggling to manage multiple debts with high interest rates.

Financing Raw Land Purchases

Raw land purchases are restricted for the most part to a LTV (loan to value) of approximately 75% depending on zoning and purpose.

Construction (Build) Mortgages

If you’re planning to build a new home or undertake a major renovation, you may be wondering how to finance the project.

Mortgage Plus Improvements

Buying a new home is a significant investment, and sometimes, the home you purchase may not be exactly what you envisioned.

Home Equity Line of Credit

Home Equity Line of Credit (HELOC) is a low-cost borrowing option, using the equity you have in your home.

Commercial Mortgages

Commercial mortgages are an essential tool for businesses in Canada looking to purchase or refinance commercial properties.

Self Employed Mortgages

Self-employed individuals in Canada face unique challenges when it comes to securing a mortgage.

Mortgage Plus Improvements

Buying a new home is a significant investment, and sometimes, the home you purchase may not be exactly what you envisioned.

Reverse Mortgages

Reverse Mortgages are mostly designed for Canadian homeowners aged 55 and older.
Education

Mortgage Application Process

Are you ready to buy a home? The home buying process can sometimes be just as confusing and overwhelming as it is exciting.

Mortgage Closing Costs

Banks usually require a purchaser to have a minimum of 1.5% of the purchase price available for closing costs (on top of deposit/down payment).

Improving Your Credit Score

Payment History Tips

Default Mortgage Insurance

Default mortgage insurance is in place to cover the lender in case the borrower defaults on his payments.

Mortgage Life Insurance

Although mortgage life insurance is not mandatory, it is important to ensure proper insurance protection is in place when purchasing a home.

Mortgage Glossary

Mortgage Glossary
Blog
Contact

Sarah Strauss

Mortgage Broker Services

BEST RATES, LOCAL SERVICE

Sarah Strauss / March 12, 2026

BEST RATES, LOCAL SERVICE Finding the right mortgage rate can feel overwhelming, especially when every lender seems to offer something […]

Mortgage Process, Uncategorized

STREAMLINED PROCESS

Sarah Strauss / March 12, 2026

STREAMLINED PROCESS: A Clear Path from Pre-Approval to Settlement For many people, the mortgage process can feel overwhelming. There are

Mortgage Education

SMART SOLUTIONS

Sarah Strauss / March 12, 2026

SMART SOLUTIONS Confused by loan options? I translate mortgage complexity into clear recommendations tailored to your goals. Navigating mortgage options

Mortgage Education

Mastering Your Mortgage: Key Strategies for Success

Sarah Strauss / August 19, 2025

Buying a home or managing a mortgage can feel overwhelming. At The Place to Mortgage, I help clients navigate mortgage

Investment Strategies

Building a Secure Financial Future with Smart Investments

Sarah Strauss / August 19, 2025

How Private Mortgage Investments Can Strengthen Your Income and Long-Term Stability In today’s volatile economic environment, traditional investment vehicles often

Mortgage & Home Financing

Navigating Mortgage Renewals: Tips for Better Rates

Sarah Strauss / August 19, 2025

Renewing your mortgage can feel like stepping into uncharted territory. With rates fluctuating, lenders offering varying terms, and the fine