You’re looking for the best service and advice for your mortgage. Banks and brokers both offer mortgage services—but which one is right for you? Your mortgage professional should be aligned with your best interests, be available, and able to answer your questions to find the best mortgage solutions for you. In other words: less stress and more savings.
Your home is your biggest purchase—don’t leave it to guesswork! Know what your bank or broker can do for you and discover the Kupina Difference dedicated to better service and savings for your home.
Elite service is number one for all Kupina Mortgage clientele. We pride ourselves on satisfying all our clients’ mortgage needs. We negotiate for you and shop multiple lenders to get you the best deal.
A better standard of service with professionals on hand and willing to help!
Great service means not only a better mortgage for you, but being there to answer your questions along the way. Your home is your biggest purchase–it deserves the attention and professionalism we bring to all our clients.
From experience working with big banks to managing high-budget engineering projects, our background combines full range of financial options and risk evaluation to find the right deals, savings, and plan for your mortgage. That means keeping up to date with the market, knowing what your lenders can do for you, and avoiding common mortgage mistakes that can cost you more than necessary.
Your mortgage is more than a bill—it’s a financial tool. Use it to your advantage! Check out Our Story and discover the Kupina Difference that gives confidence with your mortgage decision.
Every year Canadians needlessly overpay thousands of dollars to poorly planned mortgages. Although some new home buyers might lose out due to inexperience, the truth is many Canadians simply aren’t aware of their options or what their bank or broker can do for them.
Saving money with your mortgage is more than just your rate and your term. It’s about knowing what’s available to you and having someone on your side who can capitalize on those savings during purchase, renewal, and refinance. Remember: your savings don’t end at closing—discover where and how to save more with your mortgage!
With multiple lenders at your disposal, you have flexibility. We do the shopping for you and find the best rates for your mortgage.
More savings for you and your home with better rates and options.
Helping clients fix their credit and own their homes was how we started—with the desire and ability to do more than just offer a term and a rate. It’s about using your mortgage to put you in a better financial position. Not just for your home, but for your entire financial plan.
A mortgage should be more than a plain expense. Not all options fit all people, but there are many opportunities to use your mortgage toward better financial outlook. Discover how to use your loan to factor into a broader financial plan that can free up debt, ease payments, or contribute to an investment. Pay your mortgage faster, take advantage of refinancing, fix your credit— we’ll make your mortgage work for you.
Your mortgage should conform to your specific needs and financial goals. There is a lot to think about when buying a new home and too often we neglect the ways that we can make home ownership work for us. Our team of certified professionals can take you through the process of purchasing a home with less frustration and more money left in your pocket when it’s time to close the deal.
Be mortgage free faster. Free up cash flow for your budget. Tap into home equity. Fix your credit. Get more out of your mortgage!
New to buying a home? Here’s the breakdown:
Looking to refinance your mortgage? Refinancing can be a powerful tool to capitalize on the market or cater your mortgage to your current and future financial plans. Using a new mortgage to pay your existing mortgage allows for more financial options including better rates and better terms for you.
The truth is, the right refinancing strategy can save you thousands on your mortgage and even hundreds of dollars a month–but it depends on your situation, rates, and conditions. This is where an experienced broker can walk you through the process and let you know your options clearly and with a mortgage strategy tailored to you.
Knowing when to refinance comes down to the method and the numbers. Tell us your goals, and we can guide you through the best strategy to achieve them.
Contact us today and discover how refinancing can make your mortgage work for you and save more for your home.
Your mortgage term is coming to an end and it is time to renew. Don’t just sign the dotted line! This is an opportunity to gauge your financial goals before moving forward. Many Canadians miss out on opportunities to save their money or get the right terms when it comes to renewing. A lot can change in three, five, or ten years. Your mortgage should fit your current lifestyle and financial position.
A new promotion, being laid off, change of employment, spouse, and family all factor in to financial obligations and planning. If you find your expenses are more of a financial burden, it might be time to explore lowering monthly payments or consolidating debt. If you’ve experienced a financial upturn, now could be the time to shorten your mortgage by putting more toward your monthly payments.
You are not obligated to remain with the same lender at the end of your term and can refinance to another lender. There may be other institutions that provide better rates and terms that weren’t available when you first got your mortgage. If you don’t shop around, you won’t know and could get stuck with a rate that costs you more than it should.
The less there is remaining, the smaller the commission for brokers and less return for lenders. That means if you have a significant balance remaining, it might be easier to negotiate for better offers. Talk to us to determine what we can do for you and your remaining balance.
Refinancing can provide a lot of benefits and financial options to mortgage holders, but it also comes with fees, including penalties for refinancing mid-term. And that’s fine as long as those fees are less than what you will save by refinancing. Avoid those penalties by refinancing at the end of your term during the renewal process to maximize your savings.
Remember: Your current lender may or may not be your best option, so talk to us about lenders and what they can do to save you more with your mortgage. A lot can happen in five years (or more!) and evaluating your options will ensure the best rates, terms, and action plans that are right for you. For help on how to get there, contact us today!