Black Knight Capital, Your Trusted Mortgage Broker
If you are considering refinancing your current home, in the process of buying a new property, or seeking access to your home equity, Black Knight is dedicated to guiding you every step of the way and providing expert advice.
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First -Time Home Buyer
Utilize the benefits available to first-time home buyers and discover a mortgage rate that suits your requirements.
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Private Mortgage
Utilize the equity in your home to obtain the necessary capital for reaching your objectives or to handle your financial circumstances more efficiently.
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Renovation/ Construction Financing
We provide funding during the renovation or construction phase of your dream home without having to make monthly payments until the project is finished.
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Self-Employed Mortgage
We recognize the requirements of self-employed borrowers and provide solutions to assist you in obtaining the most favorable mortgage.
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Debt Consolidation
Combine multiple debts into one manageable payment to reduce your financial stress and regain control over your financial situation.
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Reverse Mortgage
f you are 55 years of age or older, you have the option to borrow tax-exempt funds based on the equity of your home to enhance your retirement and additional needs.
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Home Equity Loan
Qualify for higher loan amounts than traditional unsecured personal loans by tapping into the value of your home.Description goes here
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Newcomer Mortgage
Begin constructing your future in Canada even if you possess a limited credit or employment history.
Working Together with You
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First Consultation
In our first meeting, we will explore your financial aspirations, job status, credit history, and the type of property you wish to acquire or refinance. This information allows us to develop a personalized financing plan that suits your specific needs.
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Pre approval
Upon evaluating your financial information, we will proceed with the application submission. If you meet the qualifications, we will secure a per-approval letter from the lender or bank, which will outline your eligible mortgage amount, interest rate, and the conditions that must be fulfilled prior to closing.
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Closing And Funding
As your closing date nears, we will verify your documents again and ensure you receive the best possible rate. We carefully monitor rates daily to take advantage of the best opportunities
FAQs
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The duration for obtaining financing approval can differ based on individual circumstances. Generally, you should anticipate a typical timeframe of 3-4 weeks. It's important to remember that various factors may lead to delays in your mortgage approval. Regular communication with your lenders or mortgage agents is essential. Make sure to submit any requested documents promptly; doing so will facilitate a more seamless mortgage experience.
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This is a preliminary evaluation conducted by a lender to ascertain the amount you could potentially borrow, taking into account your income, existing debt, and credit score. It provides a broad understanding of your borrowing capacity, along with rate protection for a period of up to 120 days.
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You can utilize it to obtain loans or lines of credit for investments, significant purchases, or consolidating debt. This enables you to access funds at more favorable interest rates compared to unsecured loans.
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Renewals involve extending your current mortgage with updated rates and terms that reflect the current market conditions. This can mean renewing at the current market rate with your existing lender or switching to a new lender, without increasing your mortgage amount. Refinances involve terminating your existing mortgage contract to make substantial changes, such as securing a new rate or adjusting the terms. They can happen anytime and may include adding money to the mortgage or taking advantage of a significant rate drop.