| ServicesCompetitive rates,   pre-payment privileges and our electronic mortgage approval system enhance the   services we offer including:    
              
                
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                      First and second mortgages,   conventional or high-ratio Purchases No fee transfer on existing   mortgages / Switches Refinances /   Renovations Equity take out and debt   consolidation Construction   financing  | 
                      Investment   properties Specialty properties Multi-residential   units Building loans Free mortgage   consultations Pre-approved   mortgages  |  Qualified purchasers pay no broker   fees on approved credit.  |