ATTENTION: Learn How To Obtain The Best Mortgage On The Market For Your Situation


From: Joe Malek,

Joe Malek

Dear Friend,

Welcome to my website. This site is very different than most mortgage websites out there. This is because I know that when you are shopping for the best mortgage financing you need more than just searching for the lowest mortgage rates.

You need experienced mortgage agent who will carefully listen to your needs and provide you with important information, so you can make the right decision.

Please don't forget to bookmark this site, if you want to come back to it later.

I have 20+ years of experience and I have already helped thousands of homebuyers and homeowners and now could be your turn.

I built this mortgage website back in 1996. Just read what some of my clients are saying about me...

I found your web-site excellent. Information was obtained easily, promptly and with professionalism. My husband and I are very pleased with the service we received from you and thank you once again for your courteous and professional service. We look forward to dealing with you again in the future. Brenda and Rod - Barrie, Ontario

Hello Joe, just wanted to thank you very much for your help with our mortgage. It was a bit of a trying time for us not knowing whether or not if we were approved, but, with your hard work and perservation, you made it reality for us. Just wanted to take this time to tell the skeptics out there, that your site really does work! Thanks so much for helping us. Mr. Bennett, Hastings, Ontario

Mortgage Refinancing Tips & Mortgage Renewal Tips For Canadian Homeowners


100% professional service

Helping families to be debt free sooner...

When you choose to refinance your mortgage, I work with you to simplify the process and make sure you get the right mortgage solution to fit your lifestyle and financial goals.

You can refinance today and get cash out for whatever reason, but there are many things you need to do before you apply for your mortgage.

Let me send you the exact steps right now. All you need to do is to visit my Mortgage Tips website where you can make this request in less than 10 seconds...

You really can't miss this opportunity!

Home renovations, credit card bills, car loans, your child’s university tuition, unexpected medical bills are the main reasons why you should consider refinancing your mortgage.

Your home is one of the largest assets that you may own, but did you know that you can unlock some of the equity in your home by refinancing your mortgage to help pay for these costs?

Here are 3 benefits to refinancing your mortgage:

1. Take advantage of low interest rates and save on interest costs. Because your mortgage is a secured loan, the interest rate will be lower than interest rates on your other loans, such as credit cards, car loans or line of credit.

2. You’ll pay less on interest, improve your cash flow and pay off your debt faster. You can also simplify your monthly expenses, consolidate your monthly charges into one easy to manage payment, so you spent less time managing your bills.

3. Improving your home may increase its value. Many Canadians have turned to the equity in their homes to finance renovations they have always wanted, increasing their family comfort and potentially boosting the value of their home.

Your home is a valuable resource, it represents many opportunities that can help you to tackle your debt, simplify your money management and improve your comfort.

If you choose to refinance mortgage before the end of your term then you will have to pay some fees to your current lending institution, but in many cases, it is better to pay the penalty especially when you need to consolidate bills and reduce your overall monthly payments.

For example:

Here is a look at one of my client’s situation before and after. He is self-employed and this was done without income verification under Stated income mortgage refinance program and there was NO LENDER or BROKER FEE!

If he could prove income, his monthly savings would be even greater, but still, saving $1,390.38 monthly is not bad at all, simply by saying to himself... "YES - I WILL TRY JOE MALEK's MORTGAGE SERVICES RIGHT NOW".

1st Mortgage Balance 466,609.61 2,650.00
Line of Credit 8,124.00 243.00
Credit Card 25,000.00 235.00
Credit Card 14,000.00 263.00
Credit Card 3,222.00 161.00
Line of Credit 7,670.00 76.00
Line of Credit 700.00 21.00
Car Loan 5,985.00 665.00
Credit Card 2,013.00 78.00
Credit Card 2,355.00 69.00
Penalty To Refinance 6,700.00 -
Legal Cost 1,695.00 -
Total Debt + Cost 544,073.61 4,464.63
New Mortgage 545,000.00 3,074.25
Total Monthly Savings 1,390.38

Testimonials (there are many more below):

Ray & I would like to thank you very much for helping us with our debt consolidation. We refinanced our mortgage and did a debt consolidation as well. We have saved at least $2000.00 a month . The process was quite easy and you were extremely helpful and pleasant. You went out of your way to help us and we appreciate the professional way you handled everything. There was no prejudging or criticism because of our position. We had approached the banks for help but found them very cold and not helpful at all. Even through some difficulties concerning the Fax machine, and Tax return forms , you were able to help us over these small obstacles. I would recommend your services to anyone who needs advice and help with any financial difficulties. We are very happy and now do not have the pressures financially that we had a few months ago. We can breathe a little easier and plan our finances a lot better. The stress has eased. The process was very easy and straight forward and we were pleased that we had access to the internet. I think your service is especially helpful to those people who are self-employed. Thank you again and may God bless you as you continue in a professional manner to help others. Frances & Ray

I was expecting my mortgage refinancing to be a chore, yet Joe took care of everything and made the entire process comfortable and easy. It was all done so quickly and with little bother to me. Joe guided me through the process step by step and worked with me via email and phone and, in a short time, it was done. The refinancing has provided me with the opportunity to more effectively manage my finances in both the short and long term, and Joe’s guidance throughout played a key role in the smoother, happier financial picture which I enjoy today. Many thanks, Joe. It was great working with you. I will definitely recommend you to anyone I know who needs your services. H. Stevenson, Ottawa, Ontario


If your mortgage is up for renewal in the next six months, then you have an opportunity to review your current financial situation. Your situation is most likely different than when you took out your mortgage. Maybe you have a different job or credit card debt, loans and credit lines.

Taking care of your other debt by increasing your mortgage and lowering your amortization will save you thousands of dollars in short and long run.

Don’t just settle for renewing your mortgage with your current financial institution. Let me analyze your current financial situation and I will come up with a solution to achieve your goals FREE of charge.


I wanted to take this opportunity to thank you for your great service in arranging my recent mortgage renewal. Your attention to detail, and the speed at which you operate your service, is admirable and greatly appreciated. You can rest assured that you will be highly recommended to all those who ask for my mortgage recommendations. Gary Mix, Ontario

As you can see from these testimonials, refinancing or renewing mortgage here makes the whole process simple.

To refinance & consolidate debt or renew mortgage today, just click on the button below to load online mortgage application form.

click here to apply online now

Private Lender Second Mortgages For Debt Consolidation With Rates From 7.99%


debtdebt consolidation

Are you carrying a huge debt load?

If you were turned down by your bank for mortgage refinancing & debt consolidation, then I can help you by arranging a second mortgage. I have dozens of private mortgage lenders who specialize in second mortgage funding. With a second mortgage you can consolidate your bills and cut your payments by 50% or MORE!

Second mortgage is a mortgage loan which is secured by your home equity...

Second mortgages are mainly financed by private lenders who in many cases use their self-directed RRSP investments to help you out, so you can significantly reduce your monthly payments on your credit card debt, loans or back taxes.

Second mortgage loans can be used to pay off unpaid collections and consumer proposals.

Maybe you need to fix your roof, do home renovations, take care of some unexpected or emergency expenses and refinancing first mortgage is not an option for you at this time, because of large penalty charged by your first mortgage lender or because of your damaged credit or low income.

Many second mortgage lenders don’t care about your income or credit score. They are equity lenders. More home equity you have - more you can borrow.

For example:

Let’s say your home is worth $500,000 and your 1st mortgage balance is $300,000. This means that you are mortgaged up to 60% of your home value.

You can’t refinance for the reasons mentioned above, but you can tap into your home equity and borrow additional 25% of your home value or $125,000… even if you have unpaid collections, unpaid judgements, unpaid taxes and unpaid credit card bills or loans.

Second mortgage rates start at 7.99%, but further out you are from GTA or if your financial situation is more difficult, your interest rate will be higher. On top of higher interest rate, expect to have higher lender and broker fees.

Despite higher rate and fees, it may still be worthwhile to pay off high interest credit cards and stop harassing collection calls. Once you pay off all your bad debt then we can focus on re-building your credit score, so you can eventually put both mortgages together and save even more. On tips how to re-building credit more below.

Here is an example of one closed second mortgage transaction:

Client was on permanent disability (low income) with credit score of 478. Her property value was $205,000 and 1st mortgage balance was $84,000 (rate 6%). She also had a second mortgage of $51,000 (rate 13.99%). On top of that she had 8 unpaid collections totaling $15,675. She was mortgaged up to 65% of her home value. I secured a new second mortgage for her up to 80% of appraised value or $80,000 at much lower rate, paid out existing second mortgage, negotiated settlements with her creditors (instead of paying $15,675 she paid only $6,270), paid legal, lender and broker fees and she walked out with cash in her hand for emergencies. Before she couldn’t sleep at night, because she was worried about losing her home, she was constantly bombarded by creditor calls and now she is enjoying her life again. As you can see, low income, poor credit and unpaid collections were not a problem for me.

Another testimonial:

Hi Joe, Lori was here, and everything went as planned. I would like to say thank-you so much for everything you have done for me and my family. Joe, I will be in contact with you in about 20 months to see if you can put this 2nd mortgage into our 1st. Again, thanks so much! You were really great to our family!!! Talk to you again in a couple of years!! Nicole and Terry Harris, Innisfil, Ontario


With a private lender mortgage you can use the funds for whatever reason including:

  • Pay off existing higher rate loans and credit cards
  • Borrow for home improvements or renovations
  • Bring your property taxes up to date and avoid late interest, penalties and potential sale of your property
  • Pay off income tax arrears
  • Pay off mortgage arrears
  • Pay off consumer proposals
  • Pay off judgments
  • Pay off family allowance responsibilities
  • Pay out your spouse’s equity in the event of divorce
  • Pay off creditors
  • Stop power of sale
  • Stop harassing collection agency calls
  • and more...

I can help you to secure a private 1st or 2nd mortgage against the following properties...

    • Single Family Homes… Attached and Detached
    • Townhouse
    • Condominium
    • Cottages
    • Waterfront Lot
    • Duplex, Triplex, Fourplex
    • Apartment Buildings
    • Modular Homes
    • Modular Home Parks
    • Construction Loans
    • Working Farms
    • Hobby Farms
    • Vacant Land
    • Commercial and Industrial Properties
    • Specialty Properties Like Marinas, Lodges, etc.

Private lenders don’t care much about your credit report, credit scores or income. They look at your current property value and listen to your needs.

If you have NO INCOME or NO CREDIT, but have home equity then chances are that you will be approved for a private lender mortgage and that's even if you are self-employed showing no income! They can approve you in as little as 24 to 48 hours and provide the funds you need in a matter of days.

To apply for 1st or 2nd private lender mortgage & consolidate debt or renew mortgage today, just click on the button below to load online mortgage application form.

click here to apply online now

What If You Need To Borrow Up To 90% of Home Value? FAST LOANS For Ontario Homeowners


Do you need fast cash?

Do you need FAST CASH for whatever reason even though you already have mortgages on your house, loans or credit card debts? I am talking about a loan which is secured via a Notice of Security Interest on your home and not a mortgage charge.

You can get some extra cash in a week without refinancing or obtaining a second mortgage.

If you have emergency you can borrow $5000, $10,000 or up to $20,000 quickly simply by completing a short form which I will email you promptly right after you complete the online application below. You simply return the form to me with a void cheque and couple of ID's and I'll take care of the rest.

This small loan will help you to achieve any of your goals including:

  • Pay down high interest credit card debt
  • Make an RRSP contribution
  • Complete a home renovation
  • Take a vacation
  • Plan an upcoming wedding
  • Invest in your business
  • Pay off tax arrears
  • Pay off collections


  1. Simple, single page lender application form
  2. 48 hours from a competed application to cash in your bank account
  3. Open for partial or full prepayment with no penalty at any time (standard discharge fee of $599 will apply
  4. Competitive interest rates
  5. No requirement to retain a legal counsel or pay legal costs
  6. No appraisal required by homeowners
  7. No registered mortgage charge on your house. Loan is secured via a Notice of Security Interest on title of the home
  8. Self-employed borrowers accepted
  9. Rental and cottage properties accepted
  10. Loan to value (LTV) ratio of up to 90% of property value
  11. Interest rate 8.99% before fees (NO BROKER FEES)
  12. Lending fees 7.95% plus a processing fee of $599
  13. Maximum term is 3 years and amortization 12.5 years
  14. Monthly administration fee of $4.99


What happens when I want to refinance my mortgage?

If you require to postpone loan security, just let us know.

How quickly can I receive proceeds?

Lender is focused on providing fast, flexible solutions and promise to fund loans within 48 hours of receiving an approved and completed documentation package.

Do I need to qualify with mortgage restrictions?

This is not a mortgage, so the mortgage restrictions do not apply for this quick loan. Lender will simply perform a credit inquiry, review the debt service, check the LTV and verify homeownership to determine eligibility for this loan program and that's all.

If you are interested in this loan, then please complete online application below. There are...

  • NO application fees!
  • NO multiple credit inquiries!
  • NO office visits!
  • NO time consuming appointments!
  • NO surprises!

This fast loan program enables you to make financial improvements in your life. Loan is flexible, and you can borrow between $5,000.00 and $20,000.00 within days. Although, there are no obligations on how the loan proceeds may be used by homeowners, many use this fast cash loan to pay off their credit cards or mortgage arrears.

Benefit #1:

Reducing your monthly interest and principal payments

Majority of credit cards charge interest rates from 19.99% to 29.99% or more per year or more. If you have a credit card balance of $10,000.00 and you repay your credit card with this fast loan, you could be saving approximately $1,000.00 or $2,000.00 per year interest or more depending on your specific circumstances.

Those savings can go toward repaying down your debt instead of just the interest costs on your credit card. Repaying your credit card debt with this fast loan also means that your monthly payments will go down. Your monthly payments of principal and interest on this fast loan would be less then just making monthly interest on your credit card.

Benefit #2:

Improving your credit score

Lenders use your credit score to measure your willingness to repay your loans. Your credit score is calculated by a credit bureau which looks at your account history, how much you owe and how much of your available credit you are using. It also looks at negative information such as late payments or minimum payments.

Your repayment history can be 35% of your overall credit score while utilization can be 30% of your overall credit score. Credit utilization refers to the ratio of credit you are using out of your full available credit limit.

According to TransUnion, one of Canada’s two credit reporting agencies, if you are utilizing majority of your available credit, you can appear risky to lenders who may question your ability to pay back your loans. Conversely, low credit utilization is an indication that you are a responsible spender and can appropriately manage your debt.

TransUnion advises using less than 35% of your total available credit. So, if you have $1,000.00 in available credit, you shouldn’t carry more than $350 as a credit balance. Repaying credit card debt with this fast cash loan means that you can improve your credit score by repaying current credit card balances and reducing the credit utilization, the two biggest factors in your credit score.

Benefit #3

Reducing the refinancing risk at the maturity of your mortgage

At maturity of a mortgage the homeowner needs to renew mortgage with the same lender or a different lender. This can be risky because over time things change and lenders may decline a mortgage renewal application.

Using this fast cash loan to repay your credit card balances reduce refinancing risk by reducing the size of the debts outstanding and improving the credit score. This is especially true as government continue to introduce measures to make it more difficult for homeowners to qualify for mortgages.

To apply for fast loan today, just click on the button below to load online mortgage application form.

click here to apply online now

Mortgage Tips For First Time Homebuyers Including Mortgages For New Immigrants To Canada


first time homebuyer

Are you searching for your first home?

Buying a home is an exciting time! You're about to take a big step and therefore you will need an advice from a mortgage professional. I will give you the facts your bank won't tell you about financing your home. With access to multiple lenders, you can get a great mortgage rate with the best mortgage pre-payment options.


Find out how much you can afford before you go house hunting! This will keep you focused on shopping for homes within your price range. Once you are pre-approved for a mortgage, you'll be certain of the size of mortgage for which you qualified, and your mortgage rate could be guaranteed for 90 days or more.

If you don't qualify for the lowest rate mortgage, I could still help you using alternative lender products which are designed for people with damaged credit or self-employed who can't prove income traditional way.

One of the mistakes homebuyers often make is that they will use an online mortgage calculator to calculate their maximum mortgage and purchase price. They search the internet for the lowest mortgage rate and use that rate in their calculation.

For example:

They find the lowest 3-year fixed rate of say 3.09%, insert their monthly income of $6,250, monthly property taxes of $375, monthly heating cost of $125, zero for additional debt, 20% down-payment to avoid mortgage default insurance and 25-year amortization. Using these numbers, the maximum purchase price would be $319,014.10 and so the next day they go house hunting and sign a deal for $315,000 purchase price.

The next day they visit their bank, mortgage broker or agent who re-calculate their deal because...

When applying for a new mortgage at a federally regulated institution, there is a qualifying rate equal to the Bank of Canada’s posted five-year benchmark rate, or a bank’s contract rate plus two per cent.

Using this guideline (at the time of writing this page) the purchasers would qualify for a maximum purchase price of $294,347.43 and not $315,000. This would mean that the purchasers would have to come up with an additional down-payment of $20,652.57.

To avoid this unexpected problem, please use my FREE mortgage pre-qualification services by submitting online application here and gain instant access to multiple lenders.

mortgage lenders


  • You should NOT be applying for your mortgage at your own bank or other major banks. This is because banks use "bank posted rates" and not "discounted rates”. Yes, you could walk out with your approved mortgage in hand, but over time you will end up paying more than if you obtained a mortgage through experienced mortgage professional like myself.
  • You should NOT be running from a mortgage broker to mortgage broker. This is because each mortgage broker or mortgage agent will make a hard hit to your credit report and with each hard hit to your credit file, your credit score will be lowered and that could result in mortgage application denial or higher interest rate on your new mortgage.


Getting a mortgage pre-approval means you’re preparing to take the next step in the home-buying process. I will guide you through the pre-approval process.

  • You and I will discuss your financial strategy and needs, mortgage amount, down payment, purchase price, etc.
  • You'll learn about the various available mortgage options (fixed vs. variable rate, interest terms, payment options, amortization, etc.) and discuss which of them best suit your needs.
  • You'll give me permission to obtain your credit report.
  • I will advise you about the documentation (income confirmation, down payment confirmation, etc.) you'll need to supply upon conditional approval of your mortgage. Any conditions must be met for your mortgage to be fully approved.
  • Pre-approvals are subject to your continued good credit and are usually good for 60, 90 or 120 days depending on the lender.


  • You'll save time house-hunting, seeing only homes you can afford.
  • You’ll have a better idea of your monthly payment amounts, as well as how much your down payment will be.
  • Real estate agents may serve you better because they know you're serious and ready to buy.
  • When you make an offer to purchase, the seller may be more likely to give it serious consideration because you have solid financial backing.
  • Your pre-approved status may give you more negotiating power with a seller.
  • There's no cost to you and you're not obligated to accept the mortgage.

Many new immigrants share the same dream of homeownership in Canada but they don’t know they can buy a home in Canada despite having no established credit in this country.

If you obtained a Landed Immigrant status, you are working full-time (3 months minimum) then you can stop renting and purchase your new family home today with as little as 5% down-payment!

If you have been renting for a minimum of one year and a half since your arrival… and you feel that this is the perfect time to establish roots in Canada, then I will help you to buy your first home right now.

Let’s say you found your perfect home. It’s close to your job and in friendly family neighborhood, but you have no idea how to qualify for a mortgage?


This program makes it possible for you to secure a mortgage with as little as 5% down-payment and you can start building your home equity sooner. This program is available up to 5 years after arrival in Canada.

You qualify by investing maximum 10% of the purchase price as a down-payment and proof your credit worthiness by showing a strong history of always paying your rent and utility bills (hydro/utilities, telephone, cable, cell phone or auto insurance) over the last year on time.

  • Purchase transactions: 95% LTV
  • Property value below $500,000 = 5% down payment
  • Property value above $500,000 and below $1,000,000 = 5% down payment required up to $500,000, with an additional 10% down payment on the portion of the home value above $500,000
  • Maximum property value must be less than 1,000,000 dollars

With my help, you will be in your new home fast and you will start building home equity rather than paying rent as well as establishing yourself in your community.

“New to Canada Program” opens the door to homeownership for you and your family. It provides you to own your own home sooner and become economically established in Canada.

To apply for home purchase financing today, just click on the button below to load online mortgage application form.

click here to apply online now

Do You Have Bad Credit? Re-Establish Your Credit With Secured Credit Card

Home Trust Secured Visa Card is the best way to get the credit you deserve.

home trust secured visa

Start re-establishing your credit today... It's easy!

Build or re-build your credit, even if you've had credit difficulties in the past, or have never had a credit card before! An excellent opportunity to establish your credit rating. Virtually everyone is approved.


  • Make purchases over the phone or online
  • Make purchases over the phone or online
  • Plan and book a vacation
  • Access cash anytime, anywhere from over 1 million ATMs around the world displaying the Visa or Plus logo
  • Shop at over 24 million locations worldwide

How the Secured Visa Credit Card Works

The Home Trust Secured Visa Card is a credit card that requires a security deposit for eligibility. Your credit limit is then set at the amount of the deposit. You can put down as little as $500, or as much as $10,000.

If you decide to cancel your card, you can just pay off your outstanding balance, and you'll get your security deposit back from Home Trust. Home Trust is a Member of Canada Deposit Insurance Corporation (CDIC) (1-800-461-2342).

The application process is very simple and almost everybody is approved! Of course, if your application is not approved, your security deposit will be immediately returned to you.

When your application is complete, please mail your security deposit (personal or personal certified cheque, money order or bank draft from a Canadian Financial Institution, payable to "Home Trust Company") to:

Home Trust Company

Attn: Visa Department

145 King St. West, Suite 2300

Toronto, Otario

M5H 1J8

Low-Rate Option No Annual Fee Option
Interest rate (purchases) 14.90% 19.99%
Monthly or Annual Fees (primary applicant) $5.00 monthly fee or $59.00 annual fee No fee
Monthly or Annual Fees (secondary applicant) $2.00 monthly fee or $19.00 annual fee No fee
Interest rate (cash advances) 19.80% 19.99%
Print application Secured Visa Secured Card
Credit limit (min) $500
Credit limit (max) $10,000
Security deposit $500 - $10,000
Over Limit fee $29.00
NSF fee $45.00
ATM fee (Canada) 1% of withdrawal amount (min $2.50, max $10.00)
ATM fee (USA) 1.5% of withdrawal amount (min $4.50, max $15.00)
ATM fee (non-North America) 1.5% of withdrawal amount (min $5.50, max $15.00)
Minimum Payment 3% of the balance or $10.00, whichever is greater

Secured Visa FAQ

  1. What is a secured credit card?

  2. A secured credit card is a product in which the security deposit you provide is equal to your credit limit. It works just like any other credit card. You are required to make regular monthly payments over and above the security deposit because this is not a "prepaid" card.

  3. Why choose a secured credit card?

  4. The Home Trust Secured Visa Card will allow you to build or rebuild a solid credit rating. Many people have been declined by the banks for a credit card due to past bad credit or because they have no credit history.

    Having a credit card is not a luxury anymore, it's a necessity. The Home Trust Secured Visa Card allows you to make purchases on-line or by phone, book a flight or rent a car. And Visa is accepted at over 24 million locations worldwide.

  5. How does this help me establish or re-establish my credit?

  6. Home Trust reports your file to the credit bureau on monthly basis. Your file is updated, and your credit history begins. Both the primary applicant's and the co-applicant's credit bureau can be updated.

  7. What is the minimum/maximum credit limit?

  8. The minimum credit limit is $500, and the maximum is $10,000.

  9. How can I increase my credit limit?

  10. You can increase the limit on your card by sending additional funds (personal or personal certified cheque, money order or bank draft) drawn on a Canadian Financial Institution to Home Trust and clearly indicating that you are requesting a credit limit increase.

  11. Who qualifies for the program?

  12. Almost everyone who applies (approval rate is above 95%).

  13. Who does not qualify for the program?

  14. People who are currently in bankruptcy do not qualify.

  15. How do you apply for a Home Trust Secured Visa Card?

  16. Print and fill out an application form above, and mail your security deposit (and application form) to: Home Trust Company, Attn: Visa Department, 145 King Street West, Suite 2300, Toronto, Ontario, M5H 1J8. They will not process an application without the security deposit.

  17. Do I need to send additional documents along with my application form?

  18. If you have never applied for credit in Canada, you probably do not have a credit file under your name at the credit bureau. If that is the case, then you may be required to provide copies of documents that verify your address, date of birth or Social Insurance Number (e.g. government issued identification, utility bill, bank statement).

  19. What happens if I am declined?

  20. If your application is declined, Home Trust will return your security deposit to you (cheques are not cashed until the application is approved).

  21. How can I send my security deposit?

  22. Attach a cheque made payable to "Home Trust Company" (personal or personal certified cheque, money order or bank draft from a Canadian Financial Institution) to your application form and mail it to:

    Home Trust Company

    Attn: Visa Department

    145 King St. West, Suite 2300

    Toronto, Otario

    M5H 1J8

  23. How long does it take to get a card?

  24. The application process takes approximately 2-3 weeks from the time the application and security deposit are received, if you send a personal certified cheque, money order or bank draft, drawn on a Canadian Financial Institution. It will take up to an additional 15 days if you send a personal cheque, as they must wait for personal cheques to be cleared by the bank.

  25. Do I have to be a Canadian resident to get a Home Trust Secured Visa Card?

  26. The card is available to Canadian residents except residents of Québec.

  27. Is there any way to speed up the approval process?

  28. Ensuring that your application is complete will help to speed up the approval process. A personal certified cheque, money order or bank draft, drawn on a Canadian Financial Institution will expedite the process as we will not have to wait for the funds to clear.

    Also, if either of the following applies to you, there are documents you can send with your application to ensure that your file is not delayed:

    • if you have moved since your last loan/credit request or if you do not have a credit history, send a copy of your driver's license or a bill that matches your current address

    • if you have recently been discharged from bankruptcy, attach your certificate of discharge

    • You may request "rush delivery" to have your card delivered to you by courier for a fee of $39.00. Please note that this is only a rush delivery and it will not affect the approval process.

  29. When do I get my deposit back?

  30. Your deposit will be held as long as you have an account with Home Trust. When you close your account, we will return your deposit once all purchases and fees have cleared.

  31. What is the interest rate?

  32. There are two interest rates to choose from:

    • 14.90% on purchases with cash advances at 19.80%
    • 19.99% on purchases with cash advances at 19.99%

    Interest is not charged if the balance is paid in full by the statement date. However, for cash advances, interest is charged from the time the advance is made to the time it is paid off.

  33. Do I have to pay the balance in full each month?

  34. You have to pay at least the minimum payment on the statement. You cannot use your security deposit to pay off the balance.

  35. How do I make payments on my account?

  36. You can make a payment at any Canadian Financial Institution that bears the Visa logo, either in the branch or through web or telephone banking. If you prefer, you can mail your cheque or money order directly to Home Trust in the envelope provided to you with your statement.

  37. What if I have a past bankruptcy?

  38. You may still qualify if you have a past bankruptcy as long as you have been discharged. There is no waiting period after a discharge.

  39. Is the Home Trust Secured Visa Card available nationally?

  40. It is available in every province and territory except Québec.

  41. How old do you have to be to get a credit card?

  42. At least the age of majority in the province/territory where you reside (18 years of age in Ontario, Alberta, Saskatchewan, Manitoba, Prince Edward Island; 19 years of age in British Columbia, New Brunswick, Nova Scotia, Newfoundland/Labrador and the territories).

  43. How much can I spend?

  44. You may make purchases up to the limit of your Home Trust Secured Visa Card or you can use your card to make cash advances at ATMs or at a bank. Your Home Trust Secured Visa Card is a revolving line of credit. As you use your credit card, you are continually borrowing against your line of credit and repaying it. The amount of credit you have available at any time will vary depending on your current outstanding balance.

Why Use My Mortgage Broker Services? Access To All Lenders, Fast Approvals & No Office Visits


mortgage brokers ontario

Read testimonials below and why use my mortgage broker services...

Mortgage Brokers are independent, trained professionals licensed to represent and provide you with the best advice for your mortgage needs. A Mortgage Broker's primary expertise is locating funding for mortgage financing.

We know where the best rates can be found. What's more, we have the knowledge required to present a proposal for financing to lenders in the best way possible to successfully obtain mortgage financing.

So why deal with a Mortgage Broker or a Mortgage Agent?

Mortgage brokers represent you, the customer, not the lender. Because we are not employees of a lending institution, we are not limited in the product we can offer to you. Mortgage brokers seek out the best lender package to suit your specific situation, whether it’s with a Chartered Bank, Trust or Insurance Company, or Private Funds.

There is a wide assortment of options and features available to homebuyers today. Shopping around takes a lot of time and effort. The mortgage process within today's very competitive marketplace intimidates many Canadian homebuyers. It pays to work with a mortgage professional like myself.

I will represent you and ensure the mortgage you get is the one best suited to your needs. Choosing the wrong mortgage can cost you thousands of extra dollars.

Reasons why to use my services:

  • Access to different lenders, banks, trust companies and investors
  • Fast credit and loan pre-approvals with no cost or obligation
  • I am an expert at matching you with the best-suited mortgage
  • You will get mortgage rates at wholesale, guaranteed up to 120 days
  • I work for you, not the bank
  • Up-to-date on all the mortgage rates, terms and re-payment options
  • I only specialize in mortgages and I am knowledgeable on current trends
  • I save you time and money and there are NO office visits

Other than rates, why should I use a Mortgage Broker?

In addition to rates, because mortgage-based financing is the broker's primary business, he or she has developed expertise in what type of mortgage financing each lender prefers to pursue. This kind of knowledge not only results in the most favorable rates for each project, but often whether a project is funded at all.

How do Mortgage Brokers Find Superior Rates?

Interest rates are a concern to borrowers. Because of their daily contact with lenders, brokers know which project or home attracts a favorable interest rate from one institution, but a higher rate at another. Some institutions, in fact, will only accept mortgage submissions from mortgage brokers.

These rates, and preferences for types of mortgages, can change daily, depending on economic circumstances or based on the size of an institution's portfolio. I keep current and know which lender to approach first. As a result, mortgage rates obtained by mortgage brokers are among the best available at the time of placement.

Why should you go to me first?

A professional presentation to a lender on the first application will get the best response and save you valuable time and money. Secondary applications with previous credit bureau inquiries may be costly.

Often the success of obtaining mortgage approval depends on the way a proposal is presented and to whom it is sent. I am trained to present your mortgage proposal where and how it will get the most immediate, positive result.

You don't call an insurance company for insurance - you use an insurance broker, because of their expertise, product knowledge and rates, so remember to call me first.

How do Mortgage Brokers get better deals than many Banks?

The lenders who work with mortgage brokers include traditional sources, such as chartered banks, trust companies, as well as corporate and private pension funds.

In addition to these sources, brokers often develop professional relationships with private sources of funds, termed private lenders. These lenders can provide many various mortgage products not available at conventional sources.

I've already helped thousands of people just like you to refinance mortgage and consolidate debt. All of them now are now enjoying lower interest rate and lower monthly payments and at the end of the month they are left with more money in their pockets.

Would you like to save hundreds or thousands of dollars each month?

If your answer is yes, then let’s get started today!


Dear Joe, we cannot thank you enough for your assistance in getting our debts consolidated and our mortgage refinanced. Your professionalism was outstanding! You had all the information at your fingertips and we just had to fill in the blanks. We felt that you worked so hard on our behalf and we came to rely fully on your expertise. I have recommended you to my friends and will continue to do so. The Hutchinson’s, Ottawa, Ontario

Hi Joe, Thank you Joe!! You professionally handle our request very quick and clearly explain all our questions. Once again, thank very much. We really appreciate your help during the time we are in need. We definitely recommend you to our family and friends. Cesar & Leonida, Ajax, Ontario

Hi Joe, this is a quick note to congratulate you on another job well done! It isn't very often in this day and age anyone goes out of their way to provide services the way you do fast, reliable, trust worthy. As always, I would recommend you to anyone needing financial assistance. Bill Berrill, Ontario

Hi Joe, once again we really appreciated your fast and professional way of handling our mortgage. The process was so painless, and we don't even need to take time off to meet with the bankers, it couldn't be easier. It is a pleasure working with you, giving us the best possible option and getting us, the lowest possible rates would save us $$ along the way. I wouldn't have second thoughts in recommending you to my family and friends. Thanks again for your help! Leonor and Erdelino Del Rosario, Scarborough, Ontario

Joe, Thanks so much for all your help arranging our mortgage. You were so quick at replying and answered all my questions. It was truly a pleasure dealing with you!!! Thanks again! Marg McLeod, Hamilton, Ontario

Hi Joe, thank you very much, I am not that good in writing thank you notes, but I really, really appreciate everything that you did for us!!! I’ll make sure to give you a call after 5 years and definitely I will give your name to my family and friends. Leonida Magana, Ajax, Ontario

I contacted Joe Malek for a self-employed mortgage and refinance, and found that he was thorough, diligent, and worked as quickly as he could to get us the solution we needed to purchase our rent-to-own home and get out from under our credit card debt. It was a tall order, given the circumstances, and there were some bumps on the road, but Joe got a job done for us that we did not know how to get done ourselves, and we appreciate his attention to our individual needs. Now in a rough economy we can breathe easier with lower payments, free of consumer debt, and get our home renovated. Amanda Godin & Troy Lussier, Peterborough, Ontario

I can't thank you enough for securing what must have been one of the most difficult mortgages to negotiate. For a few months now, I've been holding off calling on you as I thought I would just try to survive until our mortgage becomes due in a few months - I was pretty sure that I can manage the bills (borrow from one card to another, after all I have a lot of low interest rate credit cards!) and thereby avoid paying mortgage penalty and potentially lower interest rates. But then it came to the point when it was just all too much to handle. Now I feel so much better knowing that the next paycheck will come, and I will have money left over in the bank. Again, thank you for all your help and feel free to use me as a reference, although I'm sure all your clients offer to vouch for you! Elizabeth D.O., Scarborough, Ontario

Hi Joe, everything happened on schedule Aug. 26th as planned - thanks very much for all your work. I'm very pleased with how everything went and will certainly recommend your expertise and services to anyone I know who's looking for a mortgage or is refinancing! Andrew Haig, Ottawa, Ontario

Thank you, Joe, I want to take this opportunity to say thank you for all you have done. I truly appreciate your professionalism with a human touch. You are a light when things seemed so dark... My deepest appreciation! Susan F. Burlington, Ontario

Hi Joe, just a note to thank you for all your assistance with this latest deal. It is a pleasure to do business with a TRUE professional!! Thanks. Bill & Marie Berrill, Port Hope

Hi Joe. I'd just like to thank you for the fabulous services you provide. This is the second time around as you brokered for us on our last refinance 3 years ago, and now that we're buying a new home I called on you again for a new mortgage. I have to say you are quick to respond and processed our mortgage application in a very expedient manner, and got us an approval in a matter of a couple of days. You did your best to accommodate all our requests and of course there are sometimes bobbles and unexpected details to be looked after, all of which you approached with due diligence. And, not to mention, the on-line process (from start to finish) is just soooo convenient. To think, no office visits. And we got a good mortgage at a very good rate. Thanks again and I'd certainly recommend you to my friends and family. Yours truly, Lovene McCalla-Lewis, Oshawa (a.k.a. 'Happy Customer')

Hi Joe, I wanted to drop you a short message to say, 'Thank you' for your assistance again with my mortgage renewal process. I know you are a busy man but wanted to take a moment of your time to let you know that I appreciated your sincere approach to my specific situation and any concerns I had related to my mortgage. My mortgage renewal was completed successfully with a minimum of difficulty thanks to your efforts and assistance. I will be contacting you again for my next renewal. I wish you and your family a safe and enjoyable holiday weekend. Tim S. Lyndhurst, Ontario

Hi Joe, I would like to express my sincere gratitude for your assistance in getting our refinancing in a difficult situation and at a very good rate too! We closed yesterday, and I really don't think we could have done this without your knowledge and expertise. THANK YOU! Terry Wastesicoot, Ajax, Ontario

Joe Malek was amazing and went way beyond our expectations. They were great from start to finish and really helped us out. Thank you! Dennis Family, Courtice, Ontario

Being self-employed, we got turned down by all major lenders in our area for no income verification mortgage. Then we found Joe Malek and decided to fill out online home purchase application. We were pleasantly surprised to get a call the very next day that we were pre-approved. In less than 3 days our application for a mortgage was fully approved and we were able to move on to the next things on our to-do list. Thank you, Joe for your fast service! Vojtech Zubek and Marcela Zubek, Oakville, Ontario

Thank you so much. I really appreciate the speedy service you and your staff have provided for me this time and in the past. It is great to deal with people who know what they are doing! Diane Blake, Stoney Creek, Ontario

Hi Joe, Thanks for the great advice and the awesome book. I have managed to dive into it a little bit and look forward to reading the rest. Myself and Tom were very pleased with you and your help. I would recommend your office and you to anyone. Thank you very much... The Dykstra's, Ilderton, Ontario

Joe, my wife and I very much appreciate the work you have done on our behalf. We have ended up with a mortgage on favorable terms and well positioned to improve that in near future thanks to your advice. My comfort level in dealing with you was established during our first discussion, in which you made sure I was clearly aware of all the costs involved in each of the alternatives we discussed. There have been no hidden fees or last-minute surprises. We wanted to complete this mortgage arrangement in an unusually short time, and your cooperation in prompt responses and negotiating the same from the lenders was greatly appreciated. We look forward to continuing to work with you, and we will certainly recommend your services to others. Sincerely... John Sigurjonsson, Chatham, Ontario

Good Morning Joe, has been a month since I received the 2nd mortgage with all your help and I am very very grateful. I am now able to get back with doing my job without so much worrying and sleep much better at night. The way you were able to approve me right away made me feel as though that even though I messed up in the first place, I had help, you and your team there to help. I have started to read the book you sent to me and I have found it fascinating and in the future, I am going to find out a way to apply it to my own life. I have always been able to claim my mortgage but not as good as the book has shown. Once again thank you for all the help I have received from you and your team. Dale Ewart, Aurora, Ontario

Dear Joe, we would like to take this opportunity to gratefully thank you for doing an excellent job on getting the lowest possible rate on our mortgage. At first, we were a bit hesitant on dealing with a complete stranger over the internet, especially when it involved a major investment like our home, but after talking to you over the phone and conversing through e-mails, it was apparent that you are a very knowledgeable individual when it comes to financing. Not only did you lower our rate and reduce our amortization period, but you managed to put an additional $950.00 in our pockets monthly by trimming our expenses from the recommendation you proposed to us. This has taken a huge burden off our backs and we are not only finally starting to save money for once, but we are also using some of that extra cash to enjoy life more, like dinner, trips with the family and my wife's favorite, shopping. Again, THANK YOU, and look forward to continuing receiving your news updates which are always very informative. Sincerely... Guy and Gerri Gizzo, Maple, Ontario

Hi Joe, Thank you very much for all your help. We really appreciate your promptness and your great knowledge. You have made this process a great ease and pleasure. Thank you. Cheryl and Robert McLachlan, Oshava, Ontario

Hi Joe, I would definitely recommend you to friends and relatives. The whole process was relatively painless and very quick. From the time I received your first response until the time the closing papers were sent to the lawyers was less than 1 week. I was very impressed with your efficiency and professionalism. The mortgage you were able to obtain for us was very competitive and we are now in a position that we can move forward with plans for the future. Even though our mortgage amount has increased our mortgage payments have decreased and we are now able to save money. We can now put aside $400.00 a month to help bring down our mortgage faster. Thank you again for all your assistance and your referrals. Your newsletters are very informative, and I have already forwarded the information to others. Ingrid Clarke-Pitt, Mississauga, Ontario

I just wanted to thank-you again for all your help. This is going to make a huge difference for us financially, just the interest alone we were paying out. We feel such a relief that this is all in one mortgage and at such a low rate. I will definitely recommend your company to anyone looking for mortgage advice. Again, thanks very much! Debbie and Raymond Jack -- Barrie, Ontario

Our experience was exceptional. We thought that we had run out of options in terms of trying to combine our payments into one, but Joe and his team came through for us. They were all so wonderful and very helpful. We have less stress and payments to worry about. The whole process did not take long, and they kept us informed throughout the whole goings on. Once again, a big thank you to you and your assistants for all your hard work, and we would definitely recommend you to anyone in a similar situation as ours. The Corneilse's - Cambridge, Ontario

Thanks, very much for your and for all the hard work. I and Rodney are very grateful more than I can tell you. You made my dream come true and I am so thankful to your company. After having owned my own home in the past and then losing everything due to the separation of my marriage through no fault of my own there is nothing that made me and my kids happier than being able to say we have our home again, we made it through all the struggles and we turned ok just fine. We will keep in touch and let you know how things are going, one thing is for sure we are very, very happy to own our own home there is nothing I wanted more. I wish you a lot of success in your company and I am thankful for people like you who can make the impossible possible. I will recommend you to everyone I know. Take care, and best of luck in the future for you! Sandy and Rodney - Whitby, Ontario

It was fast easy and painless. The banks are a pain in the having to jump through hoops when you are more than qualified. The service was spectacular. Bill & Kathy Hopper - Oshawa, Ontario

Joe Malek was great in helping me find a mortgage. I had shaky credit due to layoffs and a break-up which left me financially strapped. The thought of renting after being a homeowner for 7 years was causing me to lose sleep at night! Thanks to Joe Malek, I own a home again and I sleep a lot better at night. Thanks Joe! (my children thank you too!) Michelle Kamermans - Port Burwell, Ontario

Joe took a lot of pressure of my wife Pat an myself at the time of our retirement when we had no options he found us a perfect one. He was fantastic and a great person to deal with. Thanks Joe for making our retirement easier on us! Raymond Bennett - London, Ontario

Joe and all his assistants were always very helpful and polite. Answering any questions, I had promptly and efficiently. My whole experience was a wonderful one. After dealing with banks that treated me as a number not a client it was refreshing to be treated with respect and understanding. Thanks again Joe! Susan Langstone - Newmarket, Ontario

I wanted to thank you for all your assistance in helping us get out of our financial difficulties. I think we can finally see a light at the end of the tunnel. You don't know how much this has lifted the stress we've been dealing with the last couple of years. We are forever grateful to you. I will definitely recommend you to whomever is looking for someone to help them with their mortgages. Duane Wagenknecht, Kitchener, Ontario

I'd like to thank you for your professionalism and excellent communication. It made this application a breeze. Mark Danko, St. Catharines, Ontario

Just when I thought I had run out of option of getting back on track financially, the internet was my last resort, and in my search, came upon the website of Joe Malek, and I was certainly happy that I did. Mr. Malek was very courteous and helpful. Each and every phone call, and or email he placed to provide me with the next step that I required to set me on the path of recovery from financial distress. And let me tell you, financial distress is not a pleasant place to be in for any period of time. Cheryl BM - Owen Sound Ontario

My wife and I have owned our own home for 7 and a half years. We had been fortunate in that through hard work and cutting corners we were able to have our home increase in value by at least 35% and we only owed 66% in a first mortgage. However, during this time we had allowed our credit card debt and a bank loan for daughter's education, car and home fixups to climb. I also noticed that the interest rate that we were paying was more than prime and advertised rates. I then went on the web to explore the possibilities of refinancing our mortgage which still had 2 and a half years to go. I knew there would be penalties but had no idea how much. I also wasn't sure about any other details that would have been needed to be taken care of. Anyway, I noticed Joe Malek's website and decided to fill out the questionnaire. Boy, was that one of my better life moves. Although I did have to pay some penalties for discharging my old loan, the significantly lower interest rate on my refinancing as well as increasing the amount of the mortgage paid off all our debts. As well with the lower interest rate, we were paying out less per month. In addition, I could change the amortization of the previous 25-year term to a new 20-year term. And still I was paying less per month. My wife who felt that she had to work to help pay off our debts, now was working because she wanted to and not because she had to. That decrease in stress alone was worth the work. Also, we are in need of another car and we will be purchasing one this summer. But I do have to mention that everything wasn't all roses. It did take determination to follow things through. Although Joe was on the ball and kept things moving, I had to stay on top of my real estate lawyer to keep things moving on my end! Would I recommend Joe to my friends and family? I already have. My father is retired, and my mother is working part-time, and they are renting. With the extra monthly funds, we have, we are thinking of co-signing a mortgage for them for a condo in a small town in Ontario. Another benefit would be that I don't have to figure out who to pay and when. I have one payment each month to pay for the new mortgage. Finally, the last point is that my bank would match the new mortgage rate I was going to get but they wanted to close ALL my credit accounts! I wasn't looking at bankruptcy or was in trouble paying my debts. It's just I wanted to 'restructure' my debt. Thanks to Joe Malek, I was able to do this AND keep my credit accounts open. Thank you to Joe Malek Daryl Dolny, Ontario

We recently refined our house through Joe. Because I recently became self-employed, I didn't meet the criteria for most mortgage companies (including the one I had been with for five years). Joe found a product that was perfect for us and the service was excellent. Very satisfied! Michael McFarlane, Toronto

Joe made our lives so much easier by saving us $1,300 per month. It was the quickest and easiest thing I've ever had to do to get the best mortgage rate possible and of course save ourselves money. Joe was quick and extremely efficient. He handled everything that needed to be done. I would recommend Joe to anyone. His professional and courteous attitude is a pleasant bonus. Jacqueline Micallef, Mississauga

We strongly believe that a BIG THANK YOU is never too late to say. Although it should have been done immediately after we have been impacted with the benefits of refinancing our mortgage, we still want to extend our gratitude for your BEYOND AVERAGE SERVICE. Not only that you have surprised us with the quantity and quality of the information offered on your web site, but you stand and act behind each and every written word. We would especially like to underline the effect that your detailed and user-friendly info package regarding the options related to refinancing a mortgage has on the ones like us - new immigrants. We were at the beginning, purchasing our first house, renovating it, bringing us into a very stressful and extremely sensitive experience. Being open to too many information, being willing to learn everything (but walking), we were prone to many errors. Mr. Malek during our collaboration you have helped us expressing more than a professional ethic, you gave a personal human dimension to the service that you have provided for us. Your complete service, web info as an introduction and your thorough knowledgeable guidance EXCEEDed our expectation (strongly believe others too). We really appreciate your time spent with us and the wealth of good advices and collateral services (appraisal service) that you have offered us. We will certainly, highly recommend your name and services. Please accept our compliments. Mirela and Miroslav Galic, Toronto

This was our first experience with a mortgage broker and I have to say that it will not be our last. A huge thank you to Joe Malek for assisting us with our recent mortgage transaction. Would I use your service again? Absolutely!! Frankly I can't imagine not using your service in the future. The process was extremely professional, conducted with dignity and at all times we felt that we were in the driver’s seat (with a great copilot). All of our questions were handled quickly, and we were kept updated throughout the process. The fact that we saved some money beyond what our own efforts yielded is an added bonus. We have told my friends and family (including parents) about the great work that you do and would have no hesitation to recommend your service to anyone. Thanks again and look forward to hearing from us when my mortgage comes up for renewal. Andre and Susan Allen, Bolton, Ontario

'We were very happy with the service from Joe. We did find it to be very professional, courteous and fast. We spoke to two other brokers, and decided to deal with Joe for exactly that reason, that he sounded the most professional and courteous. Other brokers made us feel almost embarrassed about our situation and tried to pressure us by making us feel that we were desperate to go along with their deal, but Joe did not make us feel that way at all. He was not judgmental and didn't pressure us. He was a very nice person to talk to on the phone, not a fast-talking salesman. I was most impressed right from the start, when I logged on to the website. All the information that anyone could possibly need to know about refinancing a mortgage and debt consolidation was there. I could tell just from that, that this company was extremely knowledgeable and going to be very helpful. I could tell you definitely had your act together if you have a web-site like this. Just learning how to obtain my own credit report and what it all means was a big bonus. By refinancing our mortgage, we are saving about $1000 per month from credit card payments, so that is a big load off our shoulders. The whole process was very easy, fast and efficient. Joe had an answer very quickly and then everything went very smoothly in a very organized manner. We really didn't have to do much to get the mortgage, compared to what you have to go through with banks on your own or even with other brokers. Most of all, I was very impressed that you could even get us the mortgage that we required, considering our situation. I really wasn't even expecting to get a positive response, so I was very amazed that it all happened the way it did. I would definitely recommend your services to family and friends, and will continue to do business with you as required for myself in the future. Very impressed with your complete business presentation and strategies overall! Thank you very much for everything! Colette Clark, Lansdowne, Ontario

We are very happy with the service. I first emailed you after finding and reading about your services on the web site. You replied right away and within a couple of days our dreams were answered. You know we had that R9 on our credit rating and was happy that you heard our side of the story. We are hardworking honest people that just desperately needed a second chance and we are very grateful you went to bat for us and gave us that. All of our bills are now consolidated to one monthly payment and we are saving approximately $800.00 per month. Again, thank you for your prompt attention to our request (we were getting very desperate) and we would be very happy to forward any business your way. Kathy and Keith Baldry, Ontario

Joanne and I would like to say Thank You for all the help you have given us. Thanks to your professionalism and dedication we were able to consolidate our debts and save $500 a month. We did not think this was possible had we not found your services on the net. It was a great relief to find such courteous and professional help. We are now in the process of reducing our debts at an unbelievable pace. Thanks to your helpful advice and service we are feeling the relief of stress on our daily and monthly living and still know that we are heading in the right direction with the goal of eliminating our debts. Twenty times Thank You would not be enough to say how you have changed our future. We will be recommending your services to anyone in need as we have found in the past good help is hard to find in these financial matters. Yvon & Joanne, Ontario

Thank you for your quick and easy solution to our financial problems. Things will now be a lot easier to handle around here. You have freed up about $500 a month which will make paying the bills a breeze. Thank you again for your help, again. Debbra Burns, Ontario

I was very leery about applying for a consolidation loan over the internet but I was in some financial trouble and needed a way out. Well Joe Malek found me a way out. After giving my information to him Joe said, 'Leave it with me and see what I can do' I thought to myself here we go again another refusal. You see I have been turned down by 3 major banks and even some loan companies. Joe called me back in a couple of days and had something for me. He was able to save me about $456.00 a month and in my position, that's a lot of money. I would like to thank Joe Malek for all his work (all I did was answer questions which made the process easy) and I would definitely recommend to anyone I know who is having money problems. Lewis, Ontario

Joe, thank you so much for helping me and my husband with our debt reduction plan. My monthly payments went down by $1400.00! I can finally breathe again, I no longer feel I am drowning in debt. I have just finished my Christmas Shopping and Thanks to you I was able to pay for it all in CASH! It only took 2 short weeks from the time I decided hmmmmmmmmm I have to do something or else I will go bankrupt till the WOW we are HOMEFREE. You made the process so simple and gave me all the options, your website is extremely informative! Joe, you never ever made me feel silly for racking up so much debt! I would recommend Joe to any and all of my friends. It has truly been a pleasure. Denyse, Ontario

Thank you very much. It was a pleasure doing business with you. The service was great the process was very easy, and we were very pleased with the outcome as we saved hundreds of dollars each month. David & Kelly Gale, Ontario

Thanks Joe!! You were awesome to work with and I appreciate how knowledgeable you were and the speed in which everything was done. Thanks again for all your help. Sherri McKenna, Ontario

My husband and I have appreciated your help! After being turned down by a major financial institution where we had received bad service; it was refreshing to have people that handled your cause with dignity. Often you get treated with disrespect and indignity and at we received quick, positive service. We found them to work a deal that was within our budget and it seemed to go so hassle free. Thank you again! Sandi Charbonneau, Ontario

We found your service to be very professional and most importantly helpful in obtaining for us a very favorable interest rate thereby reducing our monthly payments by about $800.00/month. The whole ordeal was quite painless, and I would definitely recommend your services to others and will do so when I can. Again, thank you very much for all your help. Mary Divitcoff, Ontario

My husband and I are very pleased with your services. It has brought our monthly payments down to almost half. I will certainly keep you in mind for anyone else needing the financial help in the future. Again, thank you for all you hard work. Diane Osborne - Flude, Ontario

I am highly pleased with your service. After refinancing my house, I have about $800 monthly in my pocket that would have gone to loan & credit card payments. You saved me time and hassle, it couldn't have been easier. Even though you're an internet based service, I found the process far more personal than dealing with my bank. Thank you so much, I've already recommended you to a co-worker. Vivian, Ontario

We found your website very helpful. Everything we needed to know was right there. We saved a lot of money. Our bills have been cut in half!!!! The process was so simple, on line, in my house and no appointments to try and book. My husband and I work opposite shifts, so it is very difficult to arrange meetings for both of us! That wasn't necessary with Joe! I will recommend you to everyone we know. Thanks for everything. J&C Campbell, Ontario

'Dave and I would like to thank you for all your help with our debts. I feel that we can get ahead now. You are very kind and give exceptional customer service as well you treated us with respect.... Thank you and have a Merry Christmas'. Tina and Dave Pilon, Ontario

'Just wanted to say it is I who should be thanking you for the Excellent service you provided me. Not only was your service very Professional, you made every step quite simple. I have already recommended you. Mervyn Parris, Ontario

'My husband and I were deep in debt, and having no luck with trying to refinance through our local Bank. Then I found your Web Site, which was very easy to read and understand. Application process was simple, and your response almost immediate. We were extremely pleased with the service you gave us - which was prompt and efficient. We would recommend your Refinancing Service to everyone! Thank you!' Clare Gardner-Durdle, Ontario

'We would like to thank you for helping us out. You provided very knowledgeable and prompt service in spite of our fax and printer not working properly. We figured out that with our new financing we are probably saving around $400.00 per month. Again, thank you Joe.' Deborah Stevens, Ontario

'I was browsing the net this summer and decided to look at mortgage options since our mortgage was to be renewed in November. I don't spend a lot of time on the net, but a friend encouraged me to investigate my options, so I did. I'm glad I did! I don't spend a lot of time shopping and never seem to have time to make changes, or compare options even if it could save me $$ I looked at a lot of sites and when I came to yours I was impressed. I think mostly because you spoke in plain English and didn't throw a lot of strange terms around-the examples were very clear and easy to follow. When I did speak to you I felt comfortable, listened to, and not judged. Every time we communicated you gave me the answers to all of my questions and things were clear and professional. I really felt you were working for me. Everything is now in place and it has worked out well. I'm happy with the work you did for me and have and will continue to recommend you to friends.' The Wakeford's, Ontario

'Dear Joe: Just dropping you a line to tell you how much we appreciate the 'no run-a-round' mortgage renewal. We would like to thank you for the fast and professional manner, in which we were treated and how easy it was to apply. We had checked several sites on the internet and found yours to be the most informative and we have no problem recommending your services to anyone. Thanks again. Nancy and Ray Keeso, Ontario

'I would like you to know that both Mary and I were very pleased with the service that you provided. Your web-site was informative and very easy to use. You were very sensitive to our needs and at no time did I feel uncomfortable dealing with you. It's never easy when trying to get your finances in order and some companies, I have found, seemed very insensitive towards us and our problems. Again, Joe, thanks for your help and I must emphasize that this transaction was handled professionally and courteously.' Tom & Mary Fields - Whitby, Ontario

'It was a sincere pleasure doing business with you. Your courtesy, and understanding of our situation, put us at ease and the ease of delivery of documents and the loan was great. As everyone is so busy, it was wonderful to be able to complete a lot of the information via Internet, fax or efax. Your service was great, and I would recommend you to anyone who needs help sorting out a financial situation. I will recommend you to all my friends and thank you for your time, kindness and patience. It was our pleasure.' Wanda Hoffman - Waterloo, Ontario

'Recently I needed to do some refinancing of my mortgage and my own bank would not help me, so I turned to the internet and found Joe Malek. He was professional and helped me consolidate everything into a first mortgage. His service was fast and efficient, and I would highly recommend him to help out with any financial arrangements that you require.' Tammy Robinson - Collingwood, Ontario

It remains to be seen whether or not I have made the right move but regardless, I needed to do something immediately and you people achieved that goal promptly, efficiently and effectively. I at least feel that I have some 'breathing room' now in order to make a substantial gain in straightening out my financial outlook. I sincerely hope I will not need your services again, but if I do, I'm sure I will get the same prompt and effective service and I would recommend to others who might be in a 'bind' to give you the opportunity to assist them in resolving their situation. You did a great job and once again I thank you! Dan Arbic and Wendy Beer - Brantford, Ontario

'Shopping for mortgage rates and services on the Internet was amazingly simple. Joe Malek responded to our query immediately. His service was very personal and polite. He worked hard to get us the best rate at our terms. He valued our business and proved it by seeing to every detail on a timely basis. Our mortgage has been in effect for several months now, and the lender has treated us very well. The lender contacted us by phone to explain our contract and answer our questions about property taxes and so forth. We are very happy with the whole transaction. We highly recommend Joe's services.' Karen Patron-Evans - Ingersoll, Ontario

'As the owner of a small business I went deeply into debt trying to get established. I was very desperate when I first found your website. I seemed to be drowning in debt and it seemed no one could offer any solutions. After I contacted you, I very quickly had a loan which consolidated my previous debts and included a line of credit to help me build up my business. Thanks to you, I can meet my monthly payments and have money left to develop my business. Thanks again for your help! Susan O'Reilly - Frankville, Ontario

'I was surfing on the internet looking for a way to consolidate my debt when I found Joe Malek's web site. I read about the different options that were available and then I submitted a form to Joe via e-mail. Joe called me back with an answer to my financial problems within a day. Joe found me the best interest rate for the money I needed, and I didn't have to contact any of the financial institutions myself. He even brought the paperwork to my house. I am so happy I found Joe's web site because it made a difficult situation easy. Thank you again Joe for everything. V. Henry - Forest, Ontario

'I found the service you offered to be EXCELLENT. It allowed me to obtain financing conveniently, on-line in my own home. My questions and application were dealt with promptly, and you helped me to pick the best product for my circumstances. You obtained more for me than I thought would be possible, and I have already passed your name and number along to several people.' Debra Purkiss - Brockville, Ontario

'Thank you very much for your help! It was great dealing with someone who understands the urgency of such cases as mine, and deals with his clients in a timely and caring manner - certainly a nice switch from the big bank treatment.' Peter Chaba - Mississauga, Ontario

To apply for a new mortgage today, just click on the button below to load online mortgage application form.

click here to apply online now


Please read the terms and conditions of this agreement ("Agreement") carefully. By accessing this web site, you agree to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, do not access this website and any web pages thereof.

In this Agreement, "you" and "your" refer to persons who access this web site and web pages. "I", "we", "us" and "our" refer to VERICO Mortgage Network London Inc. or affiliated mortgage lenders, mortgage brokers or mortgage agents.

Introduction & Our Commitment to You:

We are committed to protecting the information you provide. We understand that you are entrusting us with your most personal information, and how we use and handle this information will have a great impact on you.

It is important for you to know that in order to provide you with the very best service and the highest quality products, we collect demographic information (like your name and address) and other personal information. In addition, during your visit to our website we may collect certain information about your Internet usage

We Respect Your Privacy:

Since some of the information we gather is not publicly available, we take great care to ensure that this information is kept safe from unauthorized access and we do not share the information in violation of any regulation or law.

Because we respect your privacy and values your trust, the only employees or companies who access your private personal information are those who use it to service your account or provide services to you or to us. We diligently maintain physical, electronic and procedural safeguards that comply with applicable standards to guard your private personal information and to assist us in preventing unauthorized access to that information.

How We Share Information with Companies Affiliated with Us:

When you submit your information to us online we share this information with employees and other companies, such as service providers, our co-brokers, lenders, appraisers, title insurance, mortgage and life insurance companies and closing solicitors.

The information we share comes from your application, for instance your name, address, telephone number, social insurance number, e-mail address, assets, liabilities and income. Finally, we provide information about you to non-affiliated companies such as credit reporting agencies and companies that provide services related to your account. This information sharing is also permitted by law.

We destroy information after it is no longer needed:

Information that is no longer needed is destroyed. We are required for certain legal, tax and accounting reasons to keep customer information for up to 7 years. You can request that we purge the entirety of the personal information submitted by you through this website from our database by providing detailed instructions to Privacy Officer below. In such cases we will delete all digitally warehoused information you have submitted. Please note that we cannot purge information from the systems or files of our affiliates, service providers or other financial institutions that have subsequently been sent your personal information to provide their services.

We ask others to maintain confidentiality:

When your information is provided to our affiliated companies with whom we have a business relationship, we will seek to require that affiliate to adhere to adequate privacy policies to maintain the confidentiality of your information and to ensure the reliability and accuracy of the information as required by law.


Any inquiries or complaints concerning our privacy policy can be made to Privacy officer.

Privacy officer:

Mr. Roger Belling

VERICO Mortgage Network London Inc.

321 Springbank Drive

London, Ontario

N6J 1G6

To review your personal information held by us, please make your request in writing by fax to 519-657-5011


Joe Malek


Joe Malek, Mortgage Agent, Lic. #M08004649

Arrange a call back

©Copyright 1996-2018 | All Rights Reserved by Joe Malek, Mortgage Agent Lic. # M08004649 | VERICO Mortgage Network London Inc., Lic. #10426, Independently Owned and Operated, 321 Springbank Drive, London, Ontario, N6J 1G6 Canada | Sitemap