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Residential Mortgages
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First Time Buyer Mortgages
Immigrant Buyer
Refinancing Mortgages
Mortgage Renewals
Debt Consolidation
Mortgages for Self Employed Buyers
Mortgage Equity Take-Out
Recreational Property
Commercial Project Mortgages
Investment Property Mortgages
Agriculture and Farming Mortgages

Market Direct Mortgage

Exclusive to Invis
Market Direct Mortgage
CMHC

Canada Mortgage & Housing
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Real Estate Council of Alberta

Real Estate Council of Alberta

Genworth Financial

Leadership Team from
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Mortgage Services



Mortgage financing has become very complex with constantly changing rates, terms and conditions. Choosing the mortgage best suited to your needs has never been more difficult. Banks, trust and insurance companies are continually inventing new mortagage products to capture your attention, and hopefully your business. We will ensure that you get the best possible rate and product by aggressively shopping the mortgage marketplace.


Market Direct Mortgage



Available exclusively through Invis, Market Direct Mortgage is an innovative way of sourcing money to finance your home. As an Invis client you have exclusive access to:
  • Standard Fixed-Rate Market Direct Mortgage;
  • "No Frills" Fixed-Rate Market Direct Mortgage; and
  • Adjustable-Rate Market Direct Mortgage, with fully discounted fixed rate option
Market Direct Mortgages are a line of innovative mortgage products that enable you to access the wholesale financial markets directly - the most cost-effective source of financing available.

With any Market Direct Mortgage, our commitment to you is that at the time of renewal, you will automatically receive our fully-discounted rate - no negotiation required

Administration for Market Direct Mortgages is done by Industrial Alliance Insurance & Financial Services Inc., a well-respected national financial services firm with a 112 year history. The Industrial Alliance Group is the sixth largest life and health insurance company in Canada.

Available exclusively through Invis, Market Direct Mortgages are financed through a major Canadian investment bank, which bundles the mortgages into larger portfolios, selling them in financial markets to source funding.


Standard Fixed-Rate Market Direct Mortgage::

For those who prefer the security of knowing their interest rate and payments will remain stable throughout the mortgage term. 90 day rate hold with terms 3-10 years.

"No Frills" Fixed-Rate Market Direct Mortgage::

Want to access our lowest fixed-rate, without all the extra features? With a closing period within 30 days and reduced pre-payment privileges, we can source funds at a lower rate because the risk to lenders of you paying off your mortgage before the term ends decreases. Lower risk, lower rate.

Adjustable-Rate Market Direct Mortgage::

For most who want access to the loweest rate with the prospect of some interest rate fluctuations over the term of the mortgage. The rate is based on 30-day Banker's Acceptances - historically better than rates offered on mortgages based on the Prime rate. The interest rate on a Banker's Acceptance represents that rate at which banks borrow short-term in the wholesale money market; whereas, most mortgages are linked to the Prime rate - the rate at which banks want to lend money to high-quality customers.

Lowest monthly payments, you can set your repayment rate based upon the current floating interest rate for the lowest monthly payment.

Conversion, convert your Adjustable-Rate Mortgage into a Fixed-Rate Market Direct Mortgage at any time with no penalty, receiving our best, fully-discounted rate automatically - no negotiation required.

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Insurance Services



Adding to our already well rounded line of services, our program consists of three creditor protection products designed to meet a single need at a low price for our clients. Benefits pay the mortgage obligation - the monthly payment in the case of disability or the outstanding balance in the case of life. Mortgage Insurance covers borrowers, including co-signors and guarantor(s) party to the mortgage.:
  • Mortgage Life Insurance
  • Mortgage Disability Insurance
  • Mortgage Critical Illness Coverage

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First Time Buyer - Canadian Immigrant Buyers ::

There are several programs available to the First Time Buyer such as using your RSP for your down payment. Also available are specific programs for new immigrants. To find out how you may access these programs you will need to consult one of our mortgage professionals.

High Ratio Mortgages ::

Don't have the usual 25% down payment? Increase your leverage with a high ratio mortgage. You can purchase a home with as little as 5% down with popular programs offered by GE Capital Mortgage Insurance Canada or the Canada Mortgage and Housing Corporation and still get the best discounted mortgage rates. With insured mortgages an insurance premium will be added to the mortgage amount.

No Down Payment ::

We have access to lenders who offer financing with zero down, borrowed down payment or 100% loan to value programs. Under these programs however, borrowers must meet specific criteria which can be determined after we have met with you.

Cash Back Mortgages ::

Is that possible? YES. With the cash back mortgage, a client gives up a discount in order to receive a rebate on the mortgage. This rebate varies depending on the financial institution. This money can come in handy especially for the first time buyer who needs extra funds to purchase home improvement items. Why would you consider a cash back option: you may be short on cash, you utilitzed the RRSP Home Buyers Program and now require money for the legal fees and moving expenses, or you received a GIFT and used it as the down payment but would like funds to feel comfortable with taking on the new liability of the mortgage. We will discuss all the why's and why not's of the cash back options with you, so that you are comfortable in understanding these products.

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Refinancing or Renewals - Debt Consolidations ::

There are many reasons to refinance, or increase your existing mortgage.
  • Consolidate other debt
  • Renovations or Home Improvement
  • Combine existing mortgages
  • Closing a mortgage to transfer to a new lender
Avoid higher rates or an unsuitable product and terms. You may want to renew/switch your mortgage to another lender if your current lender does not offer a competitive rate. Most lenders now offer “no cost or low cost switches” which allows you an opportunity to reduce your interest costs. We can help with the details for you and negotiate with your existing lender or find a new lender with more competitive rates.

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Self Employed Mortgages ::

Changes in the Canadian workforce has brought about a large increase in the number of self employed. While many self empoyed individuals want to take advantage of today's low mortgage rates, the guidelines of some financial institutions can restrict access to mortgage funding. The good news is that lenders are now offering mortgage products specifically tailored to the self employed. Mortgage products for the self employed now offer more flexible repayment methods, and are available through our mortgage broker channel.

Home Equity Line of Credit ::

A home equity line of credit is available to you if you have more equity in your home than your original down payment. By using your home as equity you may be able to receive more competitive financing with more flexibility.

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Recreation/Second Home ::

We have a variety of products customized for these increasingly popular properties. We are able to finance recreational properties throughout Canada. Whether you are wanting to purchase the perfect weekend retreat, retirement home or a condo in the city for your child to live while attending a post secondary institution we have the right product at the right price for you. Since there are a variety of programs customized for this market a call to one of our mortgage professionals will assist you in finding out what options are available for you.

Commercial Project Financing ::

We have a number of lenders within our business network that are available to fund commercial mortgage projects. Here are some of the types of commercial financing we do.
  • Residential - Multi Tenant, Apartment Properties or Multi Unit Condominium and more...
  • Commercial - Retail, Office and Medical Buildings, Hotels/Motels, Multi-Tenant Properties and more...
  • Industrial - Warehouse Properties, Multi-Unit Business Property, Business Site Expansions and more...
  • General - Construction Financing, Land or Site Servicing, Oilfield and more...

Agriculture Mortgages ::

This sector has a limited number of lenders available to provide financing. Depending on the type of operation we may be able to provide financing assistance. Your best bet is to contact us to find out what programs are available in your area.

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