Below you will find a wide variety of resources and information relating to the mortgage process. We're here to help and we encourage you to contact us if you have any questions.
Equifax compiles credit reporting data from many sources and creates a credit file that reflects your personal credit history including your FICO score. Now you can view your credit report online enabling you to monitor your credit and monitor your score while protecting yourself from identity theft. Before making major purchases, such as buying a home or car, you can see exactly what information is available to potential lenders.
Genworth Financial assists families with mortgages, protects families through insurance and helps customers secure their financial future.
Backed by 60 years of experience, we work with community organizations, the private sector, non-profit agencies and all levels of government to help create innovative solutions to today's housing challenges, anticipate tomorrow's needs, and improve the quality of life for all Canadians.
Each year, the Municipal Property Assessment Corporation (MPAC) prepares an assessment roll for every Ontario municipality. The roll provides the assessed value of all the properties in a municipality or in the jurisdiction of a school board with taxing authority.
MPAC also prepares supplementary assessment lists, which municipalities use to add in-year tax revenue from new construction or major alterations to properties.
Canada Revenue Agency: http://www.cra-arc.gc.ca/menu-e.html
The Canada Revenue Agency (CRA) administers tax laws for the Government of Canada and for most provinces and territories; and various social and economic benefit and incentive programs delivered through the tax system.
Trans Union Canada: www.tuc.ca
Trans Union Canada is another consumer credit reporting agency providing credit reporting services to Canadian consumers. Trans Union Canada is also a great source of credit-related information.
The Bank of Canada: www.bankofcanada.ca
The Bank of Canada is the nation's central bank. It is responsible for Canada's monetary policy, bank notes, financial system and funds management.
Appraisal Institute of Canada: www.aicanada.ca
Appraisal Institute of Canada is the premier real estate appraisal association in Canada. The institute is a self-regulating body whose mission is to protect the public interest by ensuring highest standards, practices and professional conduct in real estate appraisals.
Homeguard Funding Ltd.
Free Mortgage Evaluation
For All Canadians & BusinessesWayne is by far the best broker out there...and he has a fantastic team that knows how to place mortgages for those of us who are also business owners.
WE STAND FOR ALL CANADIANS We love hearing stories about how you helped your clients purchase or refinance their home and the impact it’s had in their life. These stories inspire us so much that we’ve created a space where you can share them. It only takes a few minutes and it means a lot to us. Stories will be posted with your permission on our We Stand for All Canadians webpage. https://westandforallcanadians.ca
Thank you for choosing to stand with us.
Unique Products That Save You MoneyHi Wayne, Lisa & I just wanted to drop you a line to tell you about the positive Encompass Home Warranty experience that we had recently. This home system warranty insurance came with the First National mortgage that we took out through Homeguard Funding Ltd.
This type of insurance is not something that Lisa & I would have sought out - we definitely would not have had such a policy if it had not come included with our mortgage. In fact, after the first year we seriously considered cancelling it - but I can tell you that we are very glad that we kept it.
Here is why...
In the middle of the night (3:00 AM) on December 19th something inside our boiler failed causing the system to overheat, which in turn caused some of our heating pipes to burst. We were home and immediately shut down the system to prevent further damage to the boiler and to the house from the water coming out of the system.
We reported the problem to Encompass via the toll free number on the morning of the 19th and they dispatched a technician to our house to assess the problem. The technicians arrived with small space heaters to use until the furnace could be accessed and repaired.
After a careful review of the cause of the failure - Encompass approved the repair and subsequently the technicians replaced the faulty components as well as the damaged heating pipes. They thoroughly tested the system and everything is now back up & running smoothly. They were very professional and had the system back up for us before the holidays. Even working through a Sunday before Christmas to get it done.
Out total cost for the repair was the $50.00 consultation fee (deductible) - which is incredible as the actual repair cost was approximately $8,500.00.
This cost would have been a major unplanned home expense for us just prior to Christmas...
Lisa & I just wanted to say thanks for providing such a service as part of your mortgage offerings - it certainly saved us a costly repair and we will be telling everyone we know about the experience that we had. We will be keeping the insurance going forward. Please pass along our comments to your contacts at First National. Thanks again & Lisa & I hope that you & your family have a great holiday season.
Lisa and Lee McLeod
Better Late Than NeverHi Wayne, Living by the moto, 'Better Late Than Never', I just wanted to send you a quick note to say thank you for your help in securing us a new mortgage. It would have been easier for us to renew with our current lender, but I feel we did the right thing in switching over to a product (with MCAP) that better suits our needs and in the future.
Thanks for your help and attention. We received your thank you card in the mail a while back, but it's been a busy few months, and just hadn't had time to respond to it.
PS - We have your cards and would gladly refer friends and family your way in the future.
Sandi and Neil
Personalized Service That Makes a DifferenceWe were so impressed with Wayne and his company. We'd had mortgages through a bank before, but by comparison working with Wayne was so much nicer. He gave us the personalized time and attention that we never got from a bank before. He made us feel like people and we knew he genuinely cared about us. He went above and beyond the call of duty and made our dream home come true.
If you're thinking about getting a mortgage through Wayne, I urge you to do it -- I'm sure you'll be as impressed as we were! Thank you Wayne. You're just the best!
Laura and James
Excellent Service!We used Wes Sudsbury's services recently to re-mortgage two of our income properties and for another mortgage on our new house. Wes went above and beyond to ensure that we were getting the best rates and best products for our needs. He was very thorough in explaining everything with us and we really appreciated how he listened to us to understand our needs. Wes was very professional and accommodating with our busy schedules. We felt very comfortable with him from the first meeting and really enjoyed the entire process. Thanks Wes! We are thrilled with our new house and we really enjoyed working with you!
Jennifer & Casey, Barrie
Honest Service Delivered as PromisedIf you are looking for a mortgage look no further than Homeguard Funding. Wayne Sudsbury, Wes Sudsbury, Sheilah Sudsbury and their team were able to get us exactly what we were looking for. Jacklyne and I were looking to find our dream home and Homeguard made it possible. They put our needs and budget first and worried about their bottom line second. They were honest and most of all delivered on everything they said they could do. If you're buying a home call HomeGuard like we did. We haven't been happier. #thankshomeguard
Regan & Jacklyne Irvine
Referal Partners Use Us PersonallyWes Sudsbury helped us refinance a rental property and get financing for an upcoming demolition and build project! We have been very happy with the service, rates and communication. Being a Realtor, this has meant a lot to us. Keep up the great work guys!
Darcy Toombs, Newmarket Real Estate Broker
Repeat Clients Rely On Our Professionalism
We wanted to follow-up with a heart-felt 'thank you' to you and the whole team at Homeguard for assisting us with the new mortgage on our family home.
The Homeguard application and approval process was quick and professional with the turnaround on the final mortgage being much faster than we expected. Everyone we dealt with, form your team at Homeguard, to the property appraiser and legal counsel were friendly, courteous and very professional.
We look forward to working with you at the end of our mortgage term and intend on bringing you all of our mortgage business in the future. We have enthusiastically recommended Homeguard to any of our friends who are in the market for a mortgage.
Stephen & Jennifer Brash
Highly RecommendedI used Wes Sudsbury as a mortgage broker to purchase a house with a closing date of April 30th. At the time I had an existing broker who was not getting me the best rate and was slow to respond to my questions why I was not getting the best rate. Wes was recommended to me by my friend who used his service and was happy with the service he received because one of the things Wes did for my friend was redo the paperwork a few days prior to closing because a lower rate was available. I contacted Wes on a Friday after exchanging some information (which I had in full because I already went through one application) over the course of that evening and weekend, we agreed on a rate and signed the mortgage disclosure papers on Tuesday (or Wednesday, I don't recall). Although I don't generally demand people work during their evenings and weekend - because everyone deserves time off from their work - it was refreshing to get quick responses to my detailed questions, and get a mortgage sorted over a course of just under 3 business days. I feel the information Wes provided directly answered all my questions, and was detailed such that there have been no surprises. He explained the mortgage product well, with information about things like applicable penalties. I'd contact Wes again for my future mortgage needs.
First Time Home BuyerAs a first time home buyer, I was new to the world of real estate and the financial concepts behind the scenes. Wes really helped put the big picture into perspective for me as to what type of payments I would be looking at and what would be affordable to me in my situation. He promised me results and he did not disappoint. Wes prepared me for what I should expect and kept up daily communication using visuals and terminologies that were easily understandable, which made me feel confident in the work he was doing for me. The deal on my new home has now closed and I have not had any surprise costs or fees associated with my mortgage. Wes dedicated his time and resources to ensuring I was a happy customer, and indeed, I am. My experience with Homeguard Funding has been a smooth breeze and I thank you for your hard work and commitment Wes, I look forward to working with you again in the future!
Very Belated ThanksThis is an incredibly belated but sincere thank you to you and your team for the great service you performed last May in securing an equity loan on my behalf. It truly was the reason my wife and I were able to eliminate the very niggling and stressful credit card debts we had accumulated, and more importantly created a repayment vehicle that has proven to be very comfortable to our lifestyle. Thanks again Wayne.
Praise From a Real Estate LawyerWe are successfully funded and everything has been registered. Thanks for all your work on this file. Homeguard certainly exceeds the standards I am accustomed to in dealing with some other mortgage brokers. I hope our paths cross again.
Benjamin F. Real Estate Lawyer - Mississauga
Proud First Time HomeownerIt's official !!!! I'm a home owner ! I want to say a huge thank you to the amazing people who helped me through this crazy experience Mel you showed me so many places and wouldn't settle till you found the perfect place you are the best ever thank you for everything ! My amazing broker Wes Sudsbury at Homeguard Funding who went above and beyond for me and saved me a ton ! if anyone is buying a home you need to use their services!
Stephanie A - Toronto
Service That Makes a DifferenceBelieve a while back I mentioned how great Wayne Sudsbury of Homeguard Funding was and again I have to repeat myself. He is just incredible!!! Everything you would want in a person representing you in this situation. He constantly knocks my socks off in providing services that exceeds my expectations. I will be the first to tell you that I am very particular, do a fair bit of research on everything and have no tolerance for bad customer service. Therefore when I write this, it is worth checking out for yourself. Last year a co-worker of mine that lives in Leaside gave me his card and said he was her broker. I literally looked at her and said, are you kidding me? You leave all the way from where you live in Toronto and drove to Newmarket? She replied, he was recommended, and he pulled one out of the hat for her with the mortgage. So I gave him a call. Here I am as a repeat customer, singing the same praise. I have an appetite for sharing great experiences as other Cornell residents can benefit as well. Homeguard Funding Ltd 83 Dawson Manor Blvd. Newmarket, ON L3X 2H5 Phone: 905.895.1777 Wayne Sudsbury personal extension is 125.
Complicated Transaction with Ease
Just a quick note to let you know that Jonathan Griffiths' office (Alana) called today to advise Veronica that everything was finalized and that the cheques were about to be distributed. She mentioned that there was a bit of a shortfall, which as you already know since you and I had discussed this, but in the end it all worked out.
A lot of creative work was done to get this through at this interest rate and with a five year term; and not often do all of us understand exactly what goes on behind the scenes to make these transactions proceed and proceed seemingly seamlessly. I happen to know some of it and I want to register on behalf of myself and Veronica our heartfelt gratitude for all your hard work and excellent negotiations.
Take care and we must now move on to complete the next project.Regards
3rd Time Buyers Enjoy Our Expertise
You make our dreams come true!
We want to express our thanks to you for securing yet another mortgage for us. We have enjoyed a business relationship with you for 7 years now and have settled into home #3. Your professionalism, expertise and going above and beyond the call of duty is what keeps us coming back. Whatever our needs may be, you make it happen. Your advice and guidance are also very much appreciated. Our thanks also go out to your loyal and dedicated team.
We look forward to continuing our business relationship with you into the indefinite future.
Many thanks for your Christmas cards over the years.Best Wishes and Continued Success!
Ann and Milan
Tough Situation Turned Positive Thanks to Homeguard FundingEvery mortgage situation is different, and when every bank you speak to gives you the same feedback, it can be really discouraging. Everybody deserves a chance to fix the mistakes they have made and that's exactly what Grant did for me. He analyzed my situation and came up with a solution which made sense, and cost me the least amount in penalties. If it wasn't for his knowledge and genuine concern for my well being, I would not still have my home today.
Thanks Grant, I look forward to working with you in the future!
I will recommend anybody I speak with about home ownership to Grant, because I think If he could help me out of my bind, he could make any mortgage experience better.
Out of Town Clients Feel Like Neighbours
There is no place like home and there is no mortgage place like Homeguard Funding! Wayne and Beth, it was like 'coming home' when we arranged our last mortgages with you. We very much appreciated the caring and consideration as you took us through the process.
Although we are miles apart it felt like we were just next door and the best of neighbours. Colin and I are already looking forward to many future contacts, no matter where we move to!Warmest Regards,
Linda and Colin Wu
Stress Relieved with Quick ServiceJust to let you all know that I wish I had heard of Grant Brown sooner! If I had, my family and I would not have had to endure 6 months of stress!
I contacted Grant Brown on July 6th, and we closed on July 31st. He got us a mortgage without any hassles. Instead of giving up on your clients and referring them to private lenders maybe you can refer them to Grant.
Ed & Lisa Hovinga
Thank you for sticking with us!
I got Ralph's phone number from a close friend who highly recommended him. The first time that I talked to him, I really didn't know what to expect, it was going to be our first time buying a home and we didn't have the first clue what to do.
Ralph's calming and friendly tone set me and my husband at ease right away. He had us fill out a financial report and then he said that we could go from there. At that time we really didn't have a good financial history, so Ralph told us exactly what we would need to do to clean it up.
I just want to say that I felt that Mr. Ralph Larin went above and beyond to get us into our first house, I mean he helped us for 3 years and who does that? He was the most professional person that I have ever had to deal with. I would like you to know that I would 100% recommend him and your company Homeguard Funding Ltd. to any and all my friends in the future.
When we are ready to upgrade we won't be making a move without him.Thanks so much for making our first home so special.
Kathryn & Barry Lewis
Thanks for keeping in touch, it makes a differenceDear Wayne and the Homeguard Funding Team,
I have been dealing with you all for several years and have had nothing but excellent things to say about the company as a whole. As a first-time home buyer, Wayne and Beth are amazing to deal with and are always helpful and patient when I have questions. I have and will continue to refer their service to anyone I come across.
One thing that definitely sets your company apart from others is your Thank You cards that I receive every few months. I love the added personal touch that this gives and appreciate the thoughtfulness behind it. It makes me feel as though I am truly important to you and I am just not another number in your bottom line.
Thank you Wayne and Beth for all that you do.Sincerely,
Dreams to Reality
My brother and I had a vision to become real estate investors by purchasing several residential investment properties in Barrie close to Georgian College.
Our plan was to purchase good quality houses close to the college that could be easily rented to students. Once established, the properties would provide us with a steady flow of income and secure a nest egg for the future. At the same time, we would be providing quality accommodation to college students at an affordable price.
With a few assets and an excellent credit history, HomeGuard Funding Ltd. was able to secure several mortgage commitments on our behalf. Not only did we purchase and close three residential properties in six months, but Wayne and Beth were able to provide mortgages with amazing interest rates and terms. They worked with us providing advice and guidance. The level of service we received was excellent and closing days came with no last minute surprises.
Thanks to the dedicated people at HomeGuard, my brother and I have been able to accomplish some of our goals in life in a very short period of time.
Thank you Wayne and Beth for your high level of professional service and guidance over some of the stepping stones in our lives.
Scott Joyce and John Joyce