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SPEC 4

MORTGAGES MADE EASY!

At Spec 4 we aim to answer frequently asked financial questions quickly with simple, easy to understand answers. Below you will find our accurate calculators and ability to request honest quotes and information. We make mortgages EASY!

-How much Equity can I take out?

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-How can I lower my bills?

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-Can I consolidate debt into my mortgage?

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-Can I renew my mortgage early?

View our calculators below

BANK OF CANADA POLICY RATE: 2.25% | PRIME RATE: 4.45% | NEXT ANNOUCEMENT JULY 15TH | ASK FOR INFO ON RATE CHANGES

Inflation rate

VIX Index

Bank of Canada 10-year bond yield
CDN/USD

Gold

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Refinance

Refinancing your mortgage could be an excellent way to save money or get those repairs and renovations done around the house. A refinance can be quick and easy with the right help!

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Lower My Bills

*Must be less than 80% of home value

Credit (best guess)

Articles

Debt Consolidation

*Must be less than 80% of home value

Credit (best guess)

Articles

Equity Take Out

*Must be less than 80% of home value

Credit (best guess)

Refinance

*Must be less than 80% of home value

Credit (best guess)

Articles

Early Renewal

"F" or "V" for fixed or variable

Articles

Renewal

  • What is the rough value of your home?

  • How much is your current mortgage?

  • How many years are remaining on your mortgage?

  • Who is your current lender?

  • What is your approximate income?

  • What is your credit like?

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How much can I save?

*Must be less than 80% of home value

Credit (best guess)

Articles

Purchase a Home

  • How much am I qualified for?

  • What about my current home?

  • Can I support two mortgages?

  • What will my rate be?

  • How much will my payments be?

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Income Tax

  • How much do I owe?

  • How much will I get back?

  • Can I claim this?

  • How can I use my RRSPs to buy a home?

  • How can I adjust a previously filed return?

Articles

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