Burlington, Hamilton, Oakville, Mississauga and Toronto Mortgage Brokers | Loewen Group Mortgage Professionals

Talk to our Mortgage Experts Today (289) 337-4029

Proudly serving Halton & GTA

WE’RE MORTGAGE BROKERS WORKING WITH YOU. FOR YOU.

As your brokerage, we represent YOU our amazing client. Our mission: to review your needs, existing offers, educate you on alternatives and ultimately assist you on selecting the right lender and term to meet your home ownership goals.
Our team works with you to develop a strategy that works for you and we’re not driven by any 1 bank or lenders bottom line. With over 34 lenders in our pocket our only job is to help your hard earned money stay in yours – that’s the Loewen Group Difference.

Download a Free Guide to Mortgage Shopping

This free guide to mortgage shopping will give you the questions you need to ask when you are shopping for a mortgage. There is more to a mortgage than just rate, these questions are intended to educate you on what you need to know about mortgages before you buy your new home.

Some of the topics covered:

  • Standard vs Collateral charge mortgages
  • Mortgage penalty calculations
  • Renovations included with your mortgage
  • Does accelerated bi weekly payments really save money


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Loewen Group Reviews

Krystal D
Krystal D

5 out of 5 stars

posted 3 weeks ago

We used the services of Loewen Group during the purchase of our first home and I can't say enough about their customer service! We worked directly with James after a referral from a friend and he was perfect with hand holding, given we had no idea what to do. James, who was very friendly and made us feel like family in his very home-feeling office, walked us through each and every step, always trying to find the best option for us and now we will do the same and refer Loewen Group to everyone we know!

His services definitely aren't one and done either; we were contacted after the closing and after moving in to ensure things were going well. The birthday wishes are also a nice personal touch, a customer service level you don't see very often anymore!

Nicole R
Nicole R

5 out of 5 stars

posted 3 days ago

It’s amazing how easy, stress-free, and quick the Loewen Group makes the whole mortgage process. This is our 4th time we have come to James with my mortgage needs and there has been no questions he couldn’t answer and no rates he couldn’t beat. This is a truly genuine group of people that always have your best interest at heart. Nadine is a great addition to the team, very helpful and quick to respond! Loewen and team have consistently over delivered on our expectations and have made the whole process enjoyable. I always recommend the Loewen group to all my family and friends as I know they will be well taken care of!

Remember to bring these important documents with you!

Speed up the approval process and be prepared for the application process. We have put together a list of documents needed from you when applying for financing through the Loewen Group.

Purchase Documents

  • If your down payment is coming from savings, a lender will want statements proving that the funds have been accumulated over at least three month’s time.
  • If your down payment is a gift, provide a statement showing the funds deposited into your account, and get a signed gift letter.
  • If your down payment is coming from the sale of another property, provide a copy of the final sale agreement for that home, as well as its most recent mortgage statement.
  • If you are borrowing from a secured line of credit (LOC), you need a copy of the LOC statement showing the funds being withdrawn.
  • If you’ve put down a deposit on the property, provide a deposit receipt, plus statement(s) showing the deposit funds being withdrawn from your bank account.

Tips

  • Bank or financial statements must always show your name, account number and dates.
  • Gifted down payments must generally be from a parent, sibling or grandparent. Otherwise the money may be considered borrowed funds, which may affect your ability to qualify.
  • Online statement printouts are fine, as long as all info appears on one page, or if multiple pages, the account number appears on every page.
  • Either an online or Realtor copy is fine.
  • If you bought your home on a private listing website (like propertyguys.com), provide that listing instead
  • You’ll need to provide the final purchase agreement signed by all parties, with all conditions waived.

Tips

  • Make sure it’s legible, all dates are entered and all witness lines have signatures.
  • Copy of driver’s license, passport, or other government-issued photo ID (but not a Health card)

Tips

  • All ID text, photos and numbers must be clearly visible
  • If your income is salary or wages, provide:
    1. A recent pay stub showing the pay date, pay amount, your name and the employer’s name
    2. A job letter. Job letters should be on company letterhead and show your start date, position, guaranteed salary/wages, and a human resources contact with phone number.
  • If any of your income comes from a bonus, commissions, overtime, a contract, gratuities or investments, provide the most recent two year’s Notice of Assessments (NOAs) from Canada Revenue Agency (CRA).
  • If you are self-employed, provide:
    • The most recent two year’s NOAs
    • Your business license, articles of incorporation, or GST registration number
  • If you earn rental income, provide a copy of each lease, as well as either:
    • A Canada Revenue Agency T776 Statement of Real Estate Rentals, or
    • Two year’s of T1 generals (personal tax returns), or
    • Two year’s of NOAs
  • If you earn Alimony/Child Support, provide NOAs and the full separation/support agreement.
  • If on maternity/paternity leave, ensure your job letter shows the return date and salary/income upon return.

Tips

  • Self-employed applicants may have to show two years of unaudited accountant-prepared financials, depending on the lender and circumstances.

This cheque is used by the lender to deduct payments from.

Refinance Documents

  • Copy of driver’s license, passport, or other government-issued photo ID (but not a Health card)

Tips

  • All ID text, photos and numbers must be clearly visible
  • If your income is salary or wages, provide:
    1. A recent pay stub showing the pay date, pay amount, your name and the employer’s name
    2. A job letter. Job letters should be on company letterhead and show your start date, position, guaranteed salary/wages, and a human resources contact with phone number.
  • If any of your income comes from a bonus, commissions, overtime, a contract, gratuities or investments, provide the most recent two year’s Notice of Assessments (NOAs) from Canada Revenue Agency (CRA).
  • If you are self-employed, provide:
    • The most recent two year’s NOAs
    • Your business license, articles of incorporation, or GST registration number
  • If you earn rental income, provide a copy of each lease, as well as either:
    • A Canada Revenue Agency T776 Statement of Real Estate Rentals, or
    • Two year’s of T1 generals (personal tax returns), or
    • Two year’s of NOAs
  • If you earn Alimony/Child Support, provide NOAs and the full separation/support agreement.
  • If on maternity/paternity leave, ensure your job letter shows the return date and salary/income upon return.

Tips

  • Self-employed applicants may have to show two years of unaudited accountant-prepared financials, depending on the lender and circumstances.

This cheque is used by the lender to deduct payments from.

Must show your name, property address, balance or original mortgage amount, and monthly payment.

Switching Over Documents

  • Copy of driver’s license, passport, or other government-issued photo ID (but not a Health card)

Tips

  • All ID text, photos and numbers must be clearly visible
  • If your income is salary or wages, provide:
    1. A recent pay stub showing the pay date, pay amount, your name and the employer’s name
    2. A job letter. Job letters should be on company letterhead and show your start date, position, guaranteed salary/wages, and a human resources contact with phone number.
  • If any of your income comes from a bonus, commissions, overtime, a contract, gratuities or investments, provide the most recent two year’s Notice of Assessments (NOAs) from Canada Revenue Agency (CRA).
  • If you are self-employed, provide:
    • The most recent two year’s NOAs
    • Your business license, articles of incorporation, or GST registration number
  • If you earn rental income, provide a copy of each lease, as well as either:
    • A Canada Revenue Agency T776 Statement of Real Estate Rentals, or
    • Two year’s of T1 generals (personal tax returns), or
    • Two year’s of NOAs
  • If you earn Alimony/Child Support, provide NOAs and the full separation/support agreement.
  • If on maternity/paternity leave, ensure your job letter shows the return date and salary/income upon return.

Tips

  • Self-employed applicants may have to show two years of unaudited accountant-prepared financials, depending on the lender and circumstances.

This cheque is used by the lender to deduct payments from.

Must show your name, property address, balance or original mortgage amount, and monthly payment.

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© 2017 Loewen Group in association with Serious Monkey. James Loewen Lic. # M0800338, Loewen Group LIC#12268.

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Hours Of Operation

Monday - Friday: 9am - 5pm
Evenings & Weekends Are Available By Appointment

Location

5044 Fairview St,
Burlington, ON
L7L 0B4

Contact

Office: (289) 337-4029
james@loewengroup.ca
Thank You for checking out our site. We would love to know more about what you think. This could win you a free dinner for two. Just send us an email with what you would like to see in the best mortgage brokers site on earth, and you'll be entered into the draw. We would love to hear from you and Thanks again! -James
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