Team Active Mortgage · Associate Mortgage Broker
Mortgage services with Paul Henman in Bedford, Nova Scotia
Licensed in Nova Scotia
How Team Active Mortgage can help
These are the general mortgage services offered through Team Active Mortgage. Your broker will confirm which options fit your situation. All financing is OAC.
First-time home buyers
Pre-approval, down payment planning and a clear walkthrough of each step from offer to closing day.
First-time home buyers in Nova Scotia →Home purchases
Comparing lender options for your next home, including move-up purchases and properties with unique features.
Refinancing
Restructuring an existing mortgage to access home equity, consolidate debt or change the amortization, subject to lender approval.
Refinancing in Nova Scotia →Renewals and lender switches
Reviewing your renewal offer against other lenders and handling the switch at maturity if another option fits better.
Renewals and lender switches in Nova Scotia →Self-employed borrowers
Working with lenders whose programs account for business income and the documents self-employed borrowers typically have.
Self-employed borrowers in Nova Scotia →New to Canada
Options designed for newcomers building a Canadian credit and employment history.
New to Canada in Nova Scotia →Frequently asked questions
Does it cost anything to work with a Team Active Mortgage broker?
For standard residential mortgages, brokers are typically paid by the lender when the mortgage funds, so there is usually no fee to you. Some files, such as private or certain alternative lending, can involve fees. Any fee is disclosed to you in writing before you commit.
What documents will I need?
Usually government-issued photo ID, proof of income (recent pay stubs and an employment letter, or two years of tax returns and Notices of Assessment if self-employed), proof of your down payment, and details of debts and assets. Your broker will confirm the exact list for your situation.
How does switching lenders at renewal work?
When your term ends you can move your remaining balance to a new lender instead of signing your current lender's renewal offer. You re-qualify with the new lender, and the switch is arranged to take effect at maturity. Start the conversation a few months before your renewal date.