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 27 Mar, 2024
Being a home owner is excellent, having a huge mortgage isn’t. So, if you have a mortgage that you’re looking to get rid of as quickly as possible, here are four things you should consider doing. Accelerate your payments Making the change from monthly payments to accelerated bi-weekly payments is one of the easiest ways you can make a difference to the bottom line of your mortgage. Most people don’t even notice the difference or increased payment. A traditional mortgage with monthly payments splits the amount owing annually into 12 equal payments. Accelerated biweekly is simply taking a regular monthly payment and dividing it in two, but instead of making 24 payments, you make 26. The extra two payments accelerate the paying down of your mortgage. Increase your regular mortgage payments Chances are, depending on the terms of your existing mortgage, you can increase your regular mortgage payment by 10-25%. Alternatively, some lenders even offer the ability to double-up your mortgage payments. These are great options as any additional payments will be applied directly to the principal amount owing on your mortgage instead of a prepayment of interest. Make a lump-sum payment Depending on your lender and your mortgage product, you should be able to put down anywhere from 10-25% of the original mortgage balance in a bulk payment. Some lenders are particular about when you can make these payments; however, you should be eligible if you haven’t taken advantage of a lump sum payment yet this year. Making a lump-sum payment is a great option if you’ve come into some money and you’d like to apply it to your mortgage. As this will lower your principal amount owing on the mortgage, it will reduce the amount of interest charged over the life of the mortgage. Review your options regularly As your mortgage payments debit from your bank account directly, it’s easy to put your mortgage on auto-pilot and not think twice about it until your term is up for renewal. Unfortunately, this removes you from the driver's seat and doesn’t allow you to make informed decisions about your mortgage or keep up to date with market conditions. So let’s talk about an annual mortgage review. Working through an annual mortgage review with an independent mortgage professional is beneficial as there may be opportunities to refinance your mortgage and lower your overall cost of borrowing. By reviewing your mortgage at least once a year, you can be sure that you’ve always got the best mortgage for you! There is no cost involved here, just a quick assessment and peace of mind. If you’ve got questions about your existing mortgage or want to compare your mortgage to options available today, please connect anytime. It would be a pleasure to work with you.
By Champion 20 Mar, 2024
If you’re like most Canadians, chances are you don’t have enough money in the bank to buy a property outright. So, you need a mortgage. When you’re ready, it would be a pleasure to help you assess and secure the best mortgage available. But until then, here’s some information on what to consider when selecting the best mortgage to lower your overall cost of borrowing. When getting a mortgage, the property you own is held as collateral and interest is charged on the money you’ve borrowed. Your mortgage will be paid back over a defined period of time, usually 25 years; this is called amortization. Your amortization is then broken into terms that outline the interest cost varying in length from 6 months to 10 years. From there, each mortgage will have a list of features that outline the terms of the mortgage. When assessing the suitability of a mortgage, your number one goal should be to keep your cost of borrowing as low as possible. And contrary to conventional wisdom, this doesn’t always mean choosing the mortgage with the lowest rate. It means thinking through your financial and life situation and choosing the mortgage that best suits your needs. Choosing a mortgage with a low rate is a part of lowering your borrowing costs, but it’s certainly not the only factor. There are many other factors to consider; here are a few of them: How long do you anticipate living in the property? This will help you decide on an appropriate term. Do you plan on moving for work, or do you need the flexibility to move in the future? This could help you decide if portability is important to you. What does the prepayment penalty look like if you have to break your term? This is probably the biggest factor in lowering your overall cost of borrowing. How is the lender’s interest rate differential calculated, what figures do they use? This is very tough to figure out on your own. Get help. What are the prepayment privileges? If you’d like to pay down your mortgage faster. How is the mortgage registered on the title? This could impact your ability to switch to another lender upon renewal without incurring new legal costs, or it could mean increased flexibility down the line. Should you consider a fixed rate, variable rate, HELOC, or a reverse mortgage? There are many different types of mortgages; each has its own pros and cons. What is the size of your downpayment? Coming up with more money down might lower (or eliminate) mortgage insurance premiums, saving you thousands of dollars. So again, while the interest rate is important, it’s certainly not the only consideration when assessing the suitability of a mortgage. Obviously, the conversation is so much more than just the lowest rate. The best advice is to work with an independent mortgage professional who has your best interest in mind and knows exactly how to keep your cost of borrowing as low as possible. You will often find that mortgages with the rock bottom, lowest rates, can have potential hidden costs built in to the mortgage terms that will cost you a lot of money down the road. Sure, a rate that is 0.10% lower could save you a few dollars a month in payments, but if the mortgage is restrictive, breaking the mortgage halfway through the term could cost you thousands or tens of thousands of dollars. Which obviously negates any interest saved in going with a lower rate. It would be a pleasure to walk you through the fine print of mortgage financing to ensure you can secure the best mortgage with the lowest overall cost of borrowing, given your financial and life situation. Please connect anytime!
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.

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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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