If you’re shopping for your first home, i decide™ can help you get into the market more easily than you’d have ever thought possible. The i decide™ interest-only plan is available up to 80% loan to value. Or you can go up to 95% loan to value, if you add a low-rate second mortgage that can be paid off at anytime without penalty. With i decide™, you don’t have mortgage insurance premiums or lender fees added to your mortgage principal. With flexible prepayment options, you’ll pay off your mortgage, not fees or premiums. And, with the lower monthly payments of i decide™, you’ll qualify easier for the mortgage you really want.

If you already own your home, i decide™ can give you the financial resources to put towards your RRSP or an RESP, renovations or even vacations. It’s up to you to choose how you’ll use the power of i decide™.

» OTHER EXCLUSIVE Mortgage Architects PRODUCTS

These unique and exciting products are only available through Mortgage Architects Mortgage Agents:

• i Relax – Recreational property purchases with as little as 15% down.

• i Second – Those looking for secondary financing to bypass mortgage insurance, port an existing mortgage, or for debt consolidation. A fixed or variable-rate mortgage that gives you the money you need at competitive and flexible terms, including rate maximums. Min $10,000 and max $100,000, fixed rates only between 1 and 5 years.

• i 107 – Those who can afford mortgage payments but don’t have a down payment. You can get your home now. No down payment required, plus receive 3% cash back. Purchases only. 3 and 5 year fixed terms.

• i 95 – Those who want to purchase with 5% down without qualifying for mortgage insurance, are considering an equity take out for debt consolidation, or want to purchase an owner-occupied four plex. Approvals up to 95% plus lender fee. 3 and 5 year fixed terms.

• i Resolve – Those who have impaired credit because they’ve maximized their credit cards and other debt. Approvals up to 90% of the property value.

• i deserve - A flexible product for clients who have good credit and who are self employed or salaried but do not want to provide income verification. NO debt servicing, but you must be employed or self employed for at least 2 years - and this will be verified. 3 and 5 year fixed, 5 year variable rate products are available.

• i qualify.fixed - 3,5,6,7,10 year fixed - for people with beacon scores between 580 - 620 who don't qualify for other i dream products, this one is for you. For whatever reason your beacon is lower, too many inquiries or R2's in your past, you now can qualify for a long term mortgage.

• i adjust.cap - based on Banker's Acceptance rate, this rate is lower than Prime. This product is capped for clients that want security with their vrm. Full qualification is required.