Call Me: 587-487-5010 or 709-763-1844

Why work with Me?

Hi there, my name is Janet Hong.

I started my career in the financial industry, as personal finance manager with a bank more than 25 years ago, and my years of experience in the banking and mortgage industry have allowed me to develop creative ways of getting clients approved, for the financing they need.

Let’s work to explore a range of mortgage options designed to fit your unique needs. My team is here to guide you at every step, ensuring you’re informed and confident in your choices. We provide you with the education you need to make the decisions that best suit your needs.

With us, you’ll find solutions tailored for first-time buyers, refinancing, debt consolidation, commercial transactions, cross-border financing, and everything in between.

I look forward to working with you.

Sincerely,
Janet

Mortgage Preapproval

Explore our tailored home loan solutions designed to fit your budget. Our experts will guide you through the process, ensuring you find the perfect fit for your financial needs.

Mortgage Refinancing

Lower your monthly payments and discover new opportunities with our refinancing options. We’ll help you navigate the choices to save money and adjust your mortgage to better suit your goals.

Investment Properties

Expand your portfolio with our investment loan options. Whether you’re buying your first rental property or adding to your investments, we provide the guidance you need throughout the process.

Flexible Downpayment

If you have room in your ratios (Income vs. Debts) you may be able to just borrow all or part of the minimum 5% down payment from a credit card, personal line of credit or a personal loan. Known as a Flex Down Mortgage, this can help you use your own finances for your downpayment.

CHIP Reverse Mortgages

Unlock the equity in your home with our reverse mortgage solutions. We provide comprehensive information to ensure you make informed decisions suited to your retirement needs.

First Time Homebuyers

Unlock the equity in your home with our reverse mortgage solutions. We provide comprehensive information to ensure you make informed decisions suited to your retirement needs.

Military Relocation

Offering specialized assistance for military members. Learn how to benefit from unique advantages tailored for those who serve our country.

Debt Consolidation

Unlock the equity in your home to pay down higher interest credit card debt.

Many Canadians are taking advantage of refinancing some of the equity in their mortgage to reduce their credit card debt.

Home Equity - Renovations

Sometimes, the house you currently live in, is the home of your dreams, but needs some improvements. Why not consider accessing the cash you need for the renovations and improvements you’ve been dreaming about?

New to Canada Mortgages

This is our program for new Canadians, who have recently relocated to Canada and require housing and financial guidance with buying your new home in Canada.

Self-Employed Mortgages

While there are some extra documents required for verification of self-employment income, I can provide clarity to you, explaining the process and discussing any concerns that may arise with your application and/or documents.

Spousal Separation

It’s an unfortunate reality, but more than 50% of marriages do not continue. It’s not something you want to think about when you buy your home as a couple, but as we all know, it does happen. I can help you with options in this situation.

Purchase Plus Improvements Mortgages

The Purchase Plus Improvements program is designed to allow qualified home buyers to renovate their new home and include the cost of the improvements into the mortgage, right after taking possession. Ask me how this works.

Home Equity Line of Credit

A HELOC is a secured loan (meaning the loan is registered on the title to your home, which makes it a mortgage).

The funds can be used for whatever you want. Some good examples include renovating your home, purchasing a rental property, consolidating debt or purchasing investments etc.

Vacation Homes

Cottages and other vacation properties are providing family memories for many average Canadians, who are taking advantage of low rates and innovative new mortgage products that put these getaway homes within reach!

What Our Clients Say

See what my clients say about the mortgage and financing service I provide.

“Working with Janet made the mortgage process smooth and easy. She was always there to answer my questions, and I felt supported every step of the way.”

Jim Soper

Buyer

“I was overwhelmed by the options, but Janet's guidance helped me choose the best mortgage for my needs. I highly recommend her!”

Julie Gleghane

Homeowner

Stay Updated with Our Newsletter

Sign up to receive expert insights and helpful tips directly in your inbox. Our newsletter covers everything you need to know about mortgages and the best options for your situation.

Your Path to Homeownership

Empowering you with the right mortgage solutions.

Get in Touch

If you have questions or need assistance with your mortgage options, feel free to reach out to us anytime.