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My Rates

1 Year 2.44%
2 Years 2.49%
3 Years 2.59%
4 Years 2.79%
5 Years 2.84%
7 Years 3.34%
10 Years 3.74%
*Rates subject to change and OAC
AGENT LICENSE ID
10317
BROKERAGE LICENSE ID
10317
Brad MacPherson MORTGAGE SPECIALIST, COMMERCIAL/RESIDENTIAL

Brad MacPherson

MORTGAGE SPECIALIST, COMMERCIAL/RESIDENTIAL


Phone:
Address:
Suite 2 - 227 Grafton Street, Charlottetown, Prince Edward Island

BROWSE

PARTNERS

BROWSE

PARTNERS

COMPLETE

THE SURVEY

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A FRIEND

PREMIERE MORTGAGE CENTER

227 GRAFTON STREET CHARLOTTETOWN, PE C1A 1L2

Phone [902] 394 - 6334

EMAIL US TODAY (Click here)

 

COMMERCIAL - RESIDENTIAL - NEWCOMERS - PRIVATE EQUITY

 

Offering a full range of mortgages and loans at some of the best rates in the Canada on a wide range of homes and businesses across Prince Edward Island and throughout Atlantic Canada.

 

For all your Commercial, Business and Residential Mortgage Financing requirements; whether you are buying or refinancing your business, apartments, commercial rental properties or your personal home we have the right mortgage solution for you.

 

Our Mortgage Team has over 20+ years of commercial, business and residential mortgage experience to assist you in all aspects of your mortgage and business financing needs.

 

Our Team understands the continually changeing lender policies and procedures in Canada to provide you with a customized solution, that is right for you. 

 

Our Premiere Mortgage Team works for you the customer to not only meet, but exceed your expectations.

 

Make us part of your Dream today! Phone: (902) 394-6334

 

 

COMMERCIAL - BUSINESS

 

Just a few examples of the industry sectors we service...

 

 

APARTMENTS - RENTAL PROPERTIES

 

SENIORS - COMMUNITY CARE HOMES AND NURSING HOMES

 

SMALL To MEDIUM SIZE BUSINESS

 

HEALTH CARE

 

AGRICULTURE or AQUACULTURE

 

MANUFACTURING - PROCESSING 

 

LAND DEVELOPMENT - CONSTRUCTION

 

FRANCHISE

 

And many more...

 

Premiere Newcomer Mortgages

 

Facilitating Mortgages for Newcomers to PEI - Canada. 

 

CLICK HERE TO CONTACT PREMIERE TODAY

 

 

Premiere partner-insured home mortgage for as little as 5% cash down. Ask us about insured and non-insured Newcomer programs, tailored to meet your needs. Under Insured Newcomer Program income confirmation is required.

 

Non-Resident and Permanent Resident

 

Non-Insured Newcomer Program with;

- No income confirmation required,

- Up to 65% loan to value,

- With 35% Cash Down.

- Best Interest Rates In Canada

- QUICK APPROVAL

 

 

Newcomers to Canada play an increasing role in Canada’s future population growth, creating new market opportunities. Premiere partners-insured mortgage financing is available to borrowers with permanent and non-permanent residence status, helping newcomers to realize their dream of homeownership in Canada.

 

Benefits (Insured)

 

  • Access to Homeownership — Newcomers with permanent residence status can purchase a home with a minimum down payment starting at 5%.
  • Competitive Interest Rates — Access to Premiere Partners-insured mortgage, and as a result, competitive interest rates.
  • Availability — Products and services available coast-to-coast-to-coast.

 

Features (Insured)

 

  • For permanent residents, where there is limited Canadian credit history and where foreign credit bureaus are not available, Premiere partners-insured continues to consider alternative sources of payment history for Loan-to-Value ratios between 80.01% and 95%.
  • Newcomers with non-permanent resident status have access to Premiere partners-insured financing of up to 90% loan-to-value ratio for the purchase of a 1 unit owner-occupied residential property.
  • No additional fees or premiums as a result of residency status – standard insured-product specific premiums apply.
  • No minimum period of residency required.

 

At Premiere Mortgage your.... APPROVED!

 

CLICK HERE NOW CONTACT PEI 'NEWCOMER' MORTGAGE SPECIALIST

 

 

BUYING OR REFINANCING YOUR HOME?

(Click here for more information)

 

 

Single Family Homes

Duplex Homes

Condominiums

Multi-Family Residential Apartments

...and so much more.

 

 

Our team brings many years of experience and expertise in lending services to provide our valued clients with the best possible loans package, customized for them.

 

As a client, you can be confident in knowing that you are receiving credible, reliable advice and expertise. The biggest strength of our team at Premiere Mortgage is that we are driven by offering fantastic service and a positive experience on a consistent basis to all of our clients.

 

With our Team, Premiere Mortgage customers experience utlimate care and professionalism.

 


BLOG / NEWS Updates

Decline in single-family component moderated by gain in multi-family dwellings

Canadian municipalities issued $8.1 billion worth of building permits in June, up 2.5% from May and the second highest value on record. Higher construction intentions for multi-family dwellings and commercial buildings were mainly responsible for the national increase. All building components reported gains in June, except for single-family dwellings. The value of residential building permits fell 0.9% in June to $5.0 billion, the fourth decrease in five months. The decline was mainly the result of lower construction intentions in four provinces, notably Ontario. In June, the value of permits for single-family dwellings decreased 12.5% to $2.4 billion. Seven provinces registered declines, with Ontario being the main contributor to the decrease. Conversely, construction intentions for multi-family dwellings rose 12.5% in June to $2.7 billion, marking a third consecutive monthly increase. Seven provinces registered gains, led by Ontario and British Columbia. Click here for more information

Is a home equity line of credit right for you?

(NC) Buying a new home is an exciting but often stressful experience. The variety of financing options now offered by lenders is overwhelming. One of the most popular options is a home equity line of credit. With interest rates typically lower than other forms of credit, this line of credit can help you reach your financial goals. However, there are several factors to consider when deciding if this product is right for you. Banks market home equity lines of credit under different names, which might make it challenging to recognize when you are being offered one. They are commonly combined with a regular term mortgage in the form of a readvanceable mortgage. When combined this way, the credit limit on your home equity line of credit will often increase automatically as you pay down the principal on your mortgage. A readvanceable mortgage may also tie together other credit and banking products such as personal loans, credit cards and car loans under a single credit limit. Benefits of bundling these products together include convenience and lower interest rates. But the downsides include fees and restrictions if you want to switch to another lender, and variable interest rates that could increase on short notice. Your financial institution also has the right to demand that you pay the full amount owing at any time. When deciding if this lending product is right for you, remember that your home is likely your biggest investment. You should beware of overborrowing against its equity, especially if youre counting on it to fund your retirement. Most lenders allow you to make interest-only payments on your home equity line of credit, making it easier to delay repaying the principal balance, explains Lucie Tedesco, commissioner of the Financial Consumer Agency of Canada. Continually borrowing against your homes equity without repaying the principal can jeopardize your long-term financial security. For instance, in the event of a housing market correction you might owe more than what your home is worth. Ask yourself if a low interest rate and easy access to credit may encourage you to spend more than you can afford to pay back. You could find yourself in a debt spiral, using additional home equity just to stay current on your mortgage. This could make you more vulnerable to unforeseeable events, like job loss, illness or an interest rate hike. Consider creating your own plan to pay down the principal amount borrowed over a fixed period. Aim to pay more than the minimum payment or interest every month. With a home equity line of credit, there is usually no penalty to pay back as much as you can at any time. Find more information online at canada.ca/money. www.newscanada.com

MY LENDERS

TD Bank Scotia Bank First National B2B Bank Home Trust
MCAP Merix Industrial Alliance Optimum Canadiana Financial
Equitable Bank ICICI Bank Fisgard Capital  RMG Mortgages Street Capital