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.

START HERE
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
START HERE
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.

START HERE

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! 


    Learn More >

  • 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! 


    Learn More >

  • 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! 


    Learn More >

  • 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!  


    Learn More >

  • 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.


    Learn More > 

  • 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. 


    Learn More >

  • 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.


    Learn More >

  • 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. 


    Learn More >

START HERE

"I had a great experience working with indi."


"indi 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

indi Mortgage homeowner since July 2016. 

400+ Google reviews from indi clients

START HERE

Doug Adlam

Mortgage Broker

indi Mortgage


"Our experienced professionals are committed to providing you independent, clear, and unbiased advice. We work for you. It's that simple."

Put our experience to work for you

Indi Mortgage 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 November 20, 2024
Buying a property might actually be easier than you think. So, if you have NO desire AT ALL to qualify for a mortgage, here are some great steps you can take to ensure you don’t accidentally buy a property. Fair warning, this article might get a little cheeky. Quit your job. First things first, ditch that job. One of the best ways to make sure you won’t qualify for a mortgage is to be unemployed. Yep, most mortgage lenders aren’t in the practice of lending money to unemployed people! If you already have a preapproval in place and don’t want to go through with financing, no problems. Unexpectedly quit your job mid-application. Because, even if you’re making a lateral move or taking a better job, any change in employment status can negatively impact your approval. Spend All Your Savings. To get a mortgage, you’ll have to bring some money to the table. In Canada, the minimum downpayment required is 5% of the purchase price. Now, if the goal is not to get a mortgage, spending all your money and having absolutely nothing in your account is a surefire way to ensure you won’t qualify for a mortgage. So, if you’ve been looking for a reason to go out and buy a new vehicle, consider this your permission. Collect as Much Debt as Possible. After quitting your job and spending all your savings, you should definitely go out and incur as much debt as possible! The higher the payments, the better. You see, one of the main qualifiers on a mortgage is called your debt-service ratio. This takes into count the amount of money you make compared to the amount of money you owe. So the more debt you have, the less money you’ll have leftover to finance a home. Stop Making Your Debt Payments So let’s say you can’t shake your job, you still have a good amount of money in the bank, and you’ve run out of ways to spend money you don’t have. Don’t panic; you can still absolutely wreck your chances of qualifying for a mortgage! Just don’t pay any of your bills on time or stop making your payments altogether. Why would any lender want to lend you money when you have a track record of not paying back any of the money you’ve already borrowed? Provide Ugly Supporting Documentation. Now, if all else fails, the last chance you have to scuttle your chances of getting a mortgage is to provide the lender with really ugly documents. To support your mortgage application, lenders must complete their due diligence. Here are three ways to make sure the lender won’t be able to verify anything. Firstly, and probably the most straightforward, make sure your name doesn’t appear anywhere on any of your statements. This way, the lender can’t be sure the documents are actually yours or not. Secondly, when providing bank statements to prove downpayment funds, make sure there are multiple cash deposits over $1000 without explaining where the money came from. This will look like money laundering and will throw up all kinds of red flags. And lastly, consider blacking out all your “personal information.” Just use a black Sharpie and make your paperwork look like classified FBI documents. Follow-Through So there you have it, to avoid an accidental home purchase, you should quit your job, spend all your money, borrow as much money as possible, stop making your payments, and make sure the lender can’t prove anything! This will ensure no one will lend you money to buy a property! Now, on the off chance that you’d actually like to qualify for a mortgage, you’ve come to the right place. The suggestion would be to actually keep your job, save for a downpayment, limit the amount of debt you carry, make your payments on time, and provide clear documentation to support your mortgage application! If you'd like to make sure you're on the right track, connect anytime. It would be a pleasure to walk through the mortgage process with you.
By Champion November 13, 2024
Deciding to list your home for sale is a big decision. And while there are many reasons you might want/need to sell, here are 3 questions you should ask yourself; and have answers to, before taking that step. What is my plan to get my property ready for sale? Assessing the value of your home is an important first step. Talking with a real estate professional will help accomplish that. They will be able to tell you what comparable properties in your area have sold for and what you can expect to sell your property for. They will also know specific market conditions and be able to help you put a plan together. But as you’re putting together that plan, here are a few discussion points to work through. A little time/money upfront might increase the final sale price. Declutter and depersonalize Minor repairs A fresh coat of interior/exterior paint New fixtures Hire a home stager or designer Exterior maintenance Professional pictures and/or virtual tour But then again, these are all just considerations; selling real estate isn’t an exact science. Current housing market conditions will shape this conversation. The best plan of action is to find a real estate professional you trust, ask a lot of questions, and listen to their advice. What are the costs associated with selling? Oftentimes it’s the simple math that can betray you. In your head, you do quick calculations; you take what you think your property will sell for and then subtract what you owe on your mortgage; the rest is profit! Well, not so fast. Costs add up when selling a home. Here is a list of costs you’ll want to consider. Real estate commissions (plus tax) Mortgage discharge fees and penalties Lawyer’s fees Utilities and property tax account settlements Hiring movers and/or storage fees Having the exact figures ahead of time allows you to make a better decision. Now, the real wildcard here is the potential mortgage penalty you might pay if you break your existing mortgage. If you need help figuring this number out, get in touch! What is my plan going forward? If you’re already considering selling your home, it would be fair to guess that you have your reasons. But as you move forward, make sure you have a plan that is free of assumptions. If you plan to move from your existing property to another property that you will be purchasing, make sure you have worked through mortgage financing ahead of time. Just because you’ve qualified for a mortgage in the past doesn’t mean you’ll qualify for a mortgage in the future. Depending on when you got your last mortgage, a lot could have changed. You’ll want to know exactly what you can qualify for before you sell your existing property. If you’d like to talk through all your options, connect anytime! It would be a pleasure to work with you and provide you with professional, unbiased advice.
By Champion November 6, 2024
A no-frills service or product is where non-essential features have been removed from the product or service to keep the price as low as possible. And while keeping costs low at the expense of non-essential features might be okay when choosing something like which grocery store to shop at, which economy car to purchase, or which budget hotel to spend the night, it’s not a good idea when considering which lender to secure mortgage financing. Here’s why. When securing mortgage financing, your goal should be to pay the least amount of money over the term. Your plan should include having provisions for unexpected life changes. Unlike the inconvenience of shopping at a store that doesn’t provide free bags, or driving a car without power windows, or staying at a hotel without any amenities, the so-called “frills” that are stripped away to provide you with the lowest rate mortgage are the very things that could significantly impact your overall cost of borrowing. Depending on the lender, a “no-frills” mortgage rate might be up to 0.20% lower than a fully-featured mortgage. And while this could potentially save you a few hundreds of dollars over a 5-year term, please understand that it could also potentially cost you thousands (if not tens of thousands) of dollars should you need to break your mortgage early. So if you’re considering a “no-frills” mortgage, here are a few of the drawbacks to think through: You'll pay a significantly higher penalty if you need to break your mortgage. You'll have limited pre-payment privileges. Potential limitations if you want to port your mortgage to a different property. You might be limited in your ability to refinance your mortgage (without incurring a considerable penalty). Simply put, a “no-frills” mortgage is an entirely restrictive mortgage that leaves you without any flexibility. There are many reasons you might need to keep your options open. You might need to break your term because of a job loss or marital breakdown, or maybe you decide to take a new job across the country, or you need to buy a property to accommodate your growing family. Life is unpredictable; flexibility matters. So why do banks offer a no-frills mortgage anyway? Well, when you deal with a single bank or financial institution, it’s the banker’s job to make as much money from you as possible, even if that means locking you into a very restrictive mortgage product by offering a rock bottom rate. Banks know that 2 out of 3 people break their mortgage within three years (33 months). However, when you seek the expert advice of an independent mortgage professional, you can expect to see mortgage options from several institutions showcasing mortgage products best suited for your needs. We have your best interest in mind and will help you through the entire process. A mortgage is so much more than just the lowest rate. If you have any questions about this, or if you’d like to discuss anything else mortgage-related, please get in touch. Working with you would be a pleasure!

Our Monthly Newsletter Can Save You Thousands

Contact Us

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!

START HERE

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. 

Contact Us

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!

BOOK NOW
Share by: