Your Mortgage CHAMPIONS

We have the team and tools in place to ensure you get the best mortgage to achieve your financial goals.

Mortgage financing can be frustrating.

It doesn't have to be. Here's our 3 step plan.

STEP ONE

Get in touch.

The best place to start is by letting us know who you are! Click the start here button below and you'll be directed to a page where you can complete an online application, schedule a meeting to discuss your financial situation, connect with us on the phone, or send us a quick message.

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STEP TWO

Walk through the process together.

Our experienced staff have mastered the mortgage process. Let us guide you through getting the best mortgage product for you! In our online portal you'll be able to do the following:

  • Upload all of your documents in one place (paperless)
  • Add your real estate agent and lawyer (collaborating saves time)
  • Compare all mortgage types and features from different lenders
  • Customize the perfect mortgage to match your lifestyle
  • Make calculations based on different financial scenarios
  • Sign all documents online to complete your mortgage financing
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STEP THREE

Accountability moving forward.

The Canadian mortgage industry can change overnight. Don’t be surprised to get a call from one of our experts with updated options when things change. We continually work to save you money at every stage of your home ownership journey.


We're committed to ensuring you have the lowest overall cost of borrowing throughout the life of your mortgage! As long as you need a mortgage, we're here to help.

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Our Services

We have the right mortgage if you are...

  • BUYING YOUR FIRST HOME

    If you're looking to buy your first home, you've come to the right place. Our mortgage experts will simplify everything and guide you through the entire process. We're with you every step of the way! 


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  • BUYING YOUR NEXT HOME

    If you own a home, but you've got your eyes set on your next home, there's a lot to consider. We have the experience to ask the right questions and make sure you explore all your options before making your move! 


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  • REFINANCING YOUR MORTGAGE

    If you're looking to potentially access some of the equity you've built up in your home, we can help. There are many reasons to refinance; let us outline the best way to make that happen at the lowest cost to you! In fact, depending on your current mortgage, there's a possibility a mortgage refinance could save you money long term! 


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  • RENEWING YOUR MORTGAGE

    If your current mortgage term is within 6 months of being complete, we'd love to hear from you. Don't just sign your lender's renewal offer, you've got negotiating power, we'd love to negotiate on your behalf!  


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  • BUYING A CONDO

    If you're looking to buy a condo, you've come to the right place. Understanding condo documents and presenting them to a lender to secure mortgage financing can be difficult. Let our mortgage experts guide you through the process.


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  • BUYING INVESTMENT PROPERTY

    There are many ways you can go about building a real estate investment portfolio. Having a clear plan is crucial. At Axiom, we understand the intricacies of financing investment property and would love to work with you. 


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  • SELF-EMPLOYED

    If you're self-employed or run your own business, chances are your income will be subject to heightened lender scrutiny when looking for a mortgage.  At Axiom, we know exactly how lenders look at self-employed income and will help build a plan to ensure you get the best financing available.


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  • GOING THROUGH A DIVORCE

    If you are working through your options as a recently separated or divorced person, we have access to mortgage products designed for you. Our mortgage experts know exactly how to help you through this difficult time. 


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"I had a great experience working with Axiom."


"Axiom makes it a priority to ensure their clients are educated throughout the whole mortgage process. As a first time buyer it can be a confusing and overwhelming process – they were patient and helped me understand everything I needed to know and answered my questions."


Patricia Kopec

Axiom homeowner since July 2016. 

300+ Google reviews from Axiom clients

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Doug Adlam

Mortgage Broker

AXIOM MORTGAGE SOLUTIONS



"Choosing a mortgage isn’t as simple as choosing the lowest rate. Our professionals visually educate you on the differences between products so you can confidently make the best choice."

Put our experience to work for you

Axiom Mortgage Solutions has been helping Canadians achieve their home ownership and real estate investment goals since 2001. Welcome to our family.

MEET THE TEAM

We Support

University of Guelph Athletics

Home of the Guelph Gryphons. The University supports student-athletes, coaches, and fans across 17 different sports. Promoting physical education through structured competitive environments helps the next generation gain a clear advantage.

Junior Gryphons Minor Sports

The Junior Gryphons are over 6000 children, and 68 rep teams across 5 different sports in our community. Children as young as 3 start participating in team activities, building social skills, and making friends.

Children's Foundation

The Children’s Foundation empowers children and youth by connecting families with opportunities to build hope for lifelong change and break the cycle of poverty. Over 1,000 volunteers work with the Foundation to make our neighborhoods that much brighter.

YOU make it possible for us to support these organizations!

THANK YOU!

Resources to keep you learning

Sharing knowledge and empowering Canadians is in our DNA. Our blog is filled with tips, tricks and expert advice that can help you save thousands.

By Champion 13 Mar, 2024
If you’re new to the home buying process, it’s easy to get confused by some of the terms used. The purpose of this article is to clear up any confusion between the deposit and downpayment. What is a deposit? The deposit is the money included with a purchase contract as a sign of good faith when you offer to purchase a property. It’s the “consideration” that helps make up the contract and binds you to the agreement. Typically, you include a certified cheque or a bank draft that your real estate brokerage holds while negotiations are finalized when you offer to purchase a property. If your offer is accepted, your deposit is held in your Realtor’s trust account. If your offer is accepted and you commit to buying the property, your deposit is transferred to the lawyer’s trust account and included in your downpayment. If you aren’t able to reach an agreement, the deposit is refunded to you. However, if you commit to buying the property and don’t complete the transaction, your deposit could be forfeit to the seller. Your deposit goes ahead of the downpayment but makes up part of the downpayment. The amount you put forward as a deposit when negotiating the terms of a purchase contract is arbitrary, meaning there is no predefined or standard amount. Instead, it’s best to discuss this with your real estate professional as your deposit can be a negotiating factor in and of itself. A larger deposit may give you a better chance of having your offer accepted in a competitive situation. It also puts you on the hook for more if something changes down the line and you cannot complete the purchase. What is a downpayment? Your downpayment refers to the initial payment you make when buying a property through mortgage financing. In Canada, the minimum downpayment amount is 5%, as lenders can only lend up to 95% of the property’s value. Securing mortgage financing with anything less than 20% down is only made possible through mortgage default insurance. You can source your downpayment from your resources, the sale of a property, an RRSP, a gift from a family member, or borrowed funds. Example scenario Let’s say that you are looking to purchase a property worth $400k. You’re planning on making a downpayment of 10% or $40k. When you make the initial offer to buy the property, you put forward $10k as a deposit your real estate brokerage holds in their trust account. If everything checks out with the home inspection and you’re satisfied with financing, you can remove all conditions. Your $10k deposit is transferred to the lawyer’s trust account, where will add the remaining $30k for the downpayment. With your $40k downpayment made, once you sign the mortgage documents and cover the legal and closing costs, the lender will forward the remaining 90% in the form of a mortgage registered to your title, and you have officially purchased the property! If you have any questions about the difference between the deposit and the downpayment or any other mortgage terms, please connect anytime. It would be a pleasure to work with you.
By Champion 06 Mar, 2024
Bank of Canada maintains policy rate, continues quantitative tightening. FOR IMMEDIATE RELEASE Media Relations Ottawa, Ontario March 6, 2024 The Bank of Canada today held its target for the overnight rate at 5%, with the Bank Rate at 5¼% and the deposit rate at 5%. The Bank is continuing its policy of quantitative tightening. Global economic growth slowed in the fourth quarter. US GDP growth also slowed but remained surprisingly robust and broad-based, with solid contributions from consumption and exports. Euro area economic growth was flat at the end of the year after contracting in the third quarter. Inflation in the United States and the euro area continued to ease. Bond yields have increased since January while corporate credit spreads have narrowed. Equity markets have risen sharply. Global oil prices are slightly higher than what was assumed in the January Monetary Policy Report (MPR). In Canada, the economy grew in the fourth quarter by more than expected, although the pace remained weak and below potential. Real GDP expanded by 1% after contracting 0.5% in the third quarter. Consumption was up a modest 1%, and final domestic demand contracted with a large decline in business investment. A strong increase in exports boosted growth. Employment continues to grow more slowly than the population, and there are now some signs that wage pressures may be easing. Overall, the data point to an economy in modest excess supply. CPI inflation eased to 2.9% in January, as goods price inflation moderated further. Shelter price inflation remains elevated and is the biggest contributor to inflation. Underlying inflationary pressures persist: year-over-year and three-month measures of core inflation are in the 3% to 3.5% range, and the share of CPI components growing above 3% declined but is still above the historical average. The Bank continues to expect inflation to remain close to 3% during the first half of this year before gradually easing. Governing Council decided to hold the policy rate at 5% and to continue to normalize the Bank’s balance sheet. The Council is still concerned about risks to the outlook for inflation, particularly the persistence in underlying inflation. Governing Council wants to see further and sustained easing in core inflation and continues to focus on the balance between demand and supply in the economy, inflation expectations, wage growth, and corporate pricing behaviour. The Bank remains resolute in its commitment to restoring price stability for Canadians. Information note The next scheduled date for announcing the overnight rate target is April 10, 2024. The Bank will publish its next full outlook for the economy and inflation, including risks to the projection, in the MPR at the same time.
By Champion 28 Feb, 2024
Did you know there’s a program that allows you to use your RRSP to help come up with your downpayment to buy a home? It’s called the Home Buyer’s Plan (or HBP for short), and it’s made possible by the government of Canada. While the program is pretty straightforward, there are a few things you need to know. Your first home (with some exceptions) To qualify, you need to be buying your first home. However, when you look into the fine print, you find that technically, you must not have owned a home in the last four years or have lived in a house that your spouse owned in the previous four years. Another exception is for those with a disability or those helping someone with a disability. In this case, you can withdraw from an RRSP for a home purchase at any time. You have to pay back the RRSP You have 15 years to pay back the RRSP, and you start the second year after the withdrawal. While you won’t pay any tax on this particular withdrawal, it does come with some conditions. You’ll have to pay back the total amount you withdrew over 15 years. The CRA will send you an HBP Statement of Account every year to advise how much you owe the RRSP that year. Your repayments will not count as contributions as you’ve already received the tax break from those funds. Access to funds The funds you withdraw from the RRSP must have been there for at least 90 days. You can still technically withdraw the money from your RRSP and use it for your down-payment, but it won’t be tax-deductible and won’t be part of the HBP. You can access up to $35,000 individually or $70,00 per couple through the HBP. Please connect anytime if you’d like to know more about the HBP and how it could work for you as you plan your downpayment. It would be a pleasure to work with you.

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Getting Started?

The best place to start the mortgage process is by completing an online application. There are no fees or commitment to do this. Once we have your application, we'll be in touch!

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Make some calculations

If you'd like to run a few calculations before getting started, we'd love to help you. First tell us where you are in your journey to buying a home

I'm just getting started

Exciting times!  Let's find out how much you'll be able to afford once you decide to buy.

CALCULATE

I have a home in mind

Great! Let's find out whether you'll be able to afford to buy it!

CALCULATE

I want to refinance my home.

No problem! Let's find out how much you could take out.

CALCULATE

Looking for a quick answer?

If you'd rather send a quick note to get the process started, go ahead, we'd love to hear from you. 

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Schedule a meeting.

While the best way to get in touch with us is through the online application, if you'd prefer to talk with someone, we're accessible to you!

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