Buying or building your dream home.

Your home is nothing less than the investment of your lifetime. It's a place not only to invest money, but your hopes and dreams for the future. Your mortgage should be customized to provide the same level of comfort as the home you're buying.

Some questions to ask yourself before applying for a mortgage:

"How large a down payment do I need?"

Generally speaking, you will need a down payment of at least 25% of the purchase price of the home you wish to purchase. Depending on your personal circumstances, CAPITAL G has the flexibility to work with you to arrange a smaller down payment, through leveraging either your own or a guarantor's asset.

"How can I calculate how much home I can afford?"

It's useful to know, up front, how expensive a home you can afford. Armed with this knowledge, you'll be in a better position to select homes that are within your financial reach. This information will also help smooth the mortgage approval process.

The best approach is to speak with your loan representative before you begin looking for a home. Based on your personal income and expenses, we can quickly calculate a mortgage amount that is realistic and comfortable for you.

Pre-approvals are possible. You will be required to submit an application and supporting details. CAPITAL G will assess and provide a pre-approval letter stating that financing is available subject to a specified fair market value of the property to be acquired.

"How long will it take for my mortgage to be approved?

Once your application is received, your loan representative will contact you, generally within 48 hours. Depending on your individual circumstances, it generally takes a further 72 hours for final decision to be made on the approval.

You can ensure a speedy application process by ensuring you provide:

• Completed application form
  
  
• Proof of available security.
  
  
• Proof of employment and income (e.g., your pay stub).
  
  
• Proof of rent or mortgage payments (e.g., your payment receipt).
  
  
• Completed Personal Financial Statement.
  
  
• Evidence of the availability of a down payment
  
  
• For mortgages, a detailed copy of the agent's listing.
  
  
• Satisfactory credit references.

No one actually dreams about the right mortgage, just the right home.

Whether you're a first time buyer, a long-time homeowner refinancing a mortgage, or an owner or developer building a home from the ground up, when you come to CAPITAL G for your mortgage, you'll know that you have financing in place that fits with your overall financial picture. By getting to know you, your resources and your goals, we can help you with:

• a repayment schedule that fits your budget and cash flow
  
  
• a competitive rate
  
  
• the flexibility to select terms and options that suit your unique situation.

Ask us about many innovative ways to purchase the home you want, reduce your interest costs and pay off your mortgage years earlier.

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