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Mortgage Solutions

Personalized. Empowering.

Made to Fit You.

No two homeownership journeys are the same—and that’s why I don’t believe in one-size-fits-all mortgages. Whether you’re buying your first home, refinancing, renewing, building, or investing, I offer flexible, customized mortgage solutions tailored to your goals.

You bring the vision—I’ll bring the strategy.

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Purchase

Turning Homeownership Dreams Into Reality

Whether you're a first-time buyer or moving into your next home, I’ll work with you to find a mortgage solution that fits both your budget and your goals. With access to competitive rates and a wide range of lenders, I help you shop smart and buy with confidence.

Why Work With Me?

  • Fast, stress-free pre-approvals

  • Custom plans for new and experienced buyers

  • Ongoing support from offer to closing day

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Refinance

Make Your Mortgage Work For You

Refinancing can be a powerful tool—whether you’re lowering your payments, consolidating debt, or accessing equity. I’ll help you explore your options, assess the numbers, and secure a solution that strengthens your financial position.

 

Why Refinance with Me?

  • Reduce your monthly payments

  • Tap into home equity for renovations or major expenses

  • Consolidate debt with strategic refinancing

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Renew

Don’t Just Renew—Reimagine Your Mortgage

Mortgage renewals are your chance to reset, re-evaluate, and get the best possible terms. I’ll help you assess your current situation and explore better rates and features—so you don’t leave money on the table.

Why Renew with Me?

  • Competitive rates and flexible terms

  • Options to consolidate or adjust your mortgage

  • Personalized advice to align with your current goals

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Investment & Rental Properties

Smart Financing for Long-Term Growth

Whether you're purchasing your first rental or expanding your portfolio, I offer expert advice and financing options to support your real estate investment goals. Let’s build a strategy that supports your financial future.

 

I’ll Help You Understand:

  • Down payment & income requirements

  • Investment-focused mortgage structures

  • Long-term ROI and cash flow planning

First-Time Home Buyers

Your First Home, Done Right

Buying your first home is exciting—but it can also feel overwhelming. I’ll walk you through everything from down payment options to first-time buyer programs, so you feel supported, informed, and confident every step of the way.

Here’s How I Help:

  • Simplified mortgage education

  • Pre-approval support

  • Personalized advice tailored to first-time buyers

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Construction Financing

Building a Home? Let’s Build the Right Mortgage Too.

Planning a custom build? I specialize in construction mortgages that support your vision—step by step. From draw schedules to budgeting and lender coordination, I provide the financing structure and advice you need for a smooth build.

What I Offer:

  • Tailored construction mortgage solutions

  • Guidance on financing stages and timelines

  • Support from ground-breaking to move-in day

Mortgage Transfers & Switches

A Better Mortgage Could Be a Switch Away

If your current mortgage isn’t serving you, let’s find one that does. Whether it’s better rates, improved terms, or greater flexibility—you don’t have to settle. I’ll help you switch smoothly, with expert guidance to avoid penalties and maximize savings.

Why Switch with Me?

  • Potentially lower your payments

  • Access more flexible terms

  • Expert guidance on prepayment penalties and timing

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New to Canada

Mortgage Solutions for Newcomers to Canada

Are you new to Canada and ready to purchase your first home? I specialize in helping newcomers to Canada navigate the mortgage process with ease.

With access to lender programs designed for new Canadians, I’ll guide you through your options, including:

  • Understanding mortgage eligibility for newcomers

  • Accessing specialized mortgage programs

  • Establishing roots in your new home country

Not Sure Where to Start?

I’m here to help you navigate every option, answer every question, and find a solution that truly works for you. Let's design a mortgage plan that’s built around your life—not the other way around.

Contact Me 

Belleville, ON

Mortgage Agent Level 1
Lic.#M20001818

 

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© 2025 Mortgage Financing by Andrea Annicelli-Vigna

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