Professional Mortgage Services to Fit Your Needs.

The Samantha Garrod Mortgage Team is a dedicated group of industry professionals. Our clients have access to a wide range of mortgage and financial services delivered by a committed team. Personal financial assessments that focus on short and long-term goals are our strength. We work with clients to improve financial profiles and secure mortgages in an efficient and timely manner.


Financing the purchase of a home does not have to be complicated. Beginning the home search with a mortgage pre-approval lets clients know how much they are able to borrow towards the purchase, and the amount required for a down payment. If you are a first-time homebuyer, we will provide extra support to guide you through the steps from beginning to end. Our proficient team of licensed mortgage professionals simplify the options and processes to connect homebuyers with the right loan.


Working with a local broker that understands the requirements and restrictions of financing a cottage property is essential. Mortgage lenders require different percentages for a down payment dependent upon the intended use of the
property. The structure and facilities of the property also determine the minimum amount a buyer will have to put towards the purchase. The Samantha Garrod Mortgage Team is well versed in the regulatory requirements for property classification, and can help you secure the best financing option.

Rental Properties

Having a rental property that generates monthly income can help you achieve your financial goals in a shorter period of
time. Rental property mortgages are specific to borrowers that are looking to invest in a property with the intentions of renting to tenants. The process to qualify for purchasing a rental property is similar to buying a home, including a calculated down-payment. Our experienced team can review competitive rates and terms to find a match that is right for you.

Refinancing & Debt Consolidation

Refinancing an existing home loan enables clients to find a new lender with a better interest rate, different loan terms, or to withdraw equity. As you pay off an existing mortgage, or the value of your property increases, the equity you have in your home grows. A percentage of your property’s appraised value can be borrowed in a loan, which has the option of being combined with debt consolidation.

Debt consolidation occurs when a single loan is acquired to pay off multiple liabilities and consumer debt at a lower interest rate. It allows clients to pay off unsecured debts or amounts owing on items such as vehicles, credit cards, lines of credit, and student loans. Your broker will assemble a comprehensive debt management plan that will provide some relief from interest costs.

Purchase Plus

Buying a home that requires renovations is possible with a Purchase Plus Improvement Mortgage. This type of mortgage
is an affordable option for homebuyers who are interested in purchasing a property that needs improvements. Lenders
review and approve upgrades that add value to the property. Market value is determined by an appraiser. A portion of the improved value of the home can be added to the mortgage. Our qualified team works with clients to certify
improvements and include the costs in the home financing.

“Samantha was such a pleasure to work with. I felt extremely confident that she had my best interests in mind, and that she would find the best mortgage provider for me. I trusted Samantha with everything, and it was great to know that she was willing and able to answer any question I had, and explain it in a simple to understand way. I would highly recommend Samantha’s services!”

Sophie Lovell