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Instead of New Year’s Resolutions,
Auxilium Mortgage offers New Year’s solutions!

It is that time of year again when you plan out your goals and the resolutions you want to achieve. Whether it be healthier lifestyle changes, travelling or buying a house, the Auxilium Team is here to help. Instead of New Years Resolutions, Auxilium offers New Year’s Solutions!

Most Canadians have the goal to become homeowners, but that may seem daunting with interest rates rising. Getting your financial house in order can be complicated. You may think that becoming a homeowner is nearly impossible, or that you may not qualify when you need to renew or refinance your mortgage. Here are some simple steps to put into action to help achieve your real estate resolutions, with the help from the Auxilium Team!


The very first step (and the most important) is talking with a mortgage broker. Not only is the consultation free, but you will become more knowledgeable about the industry and develop a better understanding about your own personal situation. When you meet with our team, we will review your finances with you, explain step by step the process, and talk through all your possible options. Come prepared with any questions and concerns you may, such as if you have any debt or your credit is not the best it can be. This first meeting gives the mortgage broker a good idea of what not only you want, but what you can achieve!


We all know about budgeting, but after your first meeting with a mortgage broker, you will have a better idea of what you need to do. Having a clear plan can be much more motivating than just saving! Not only is managing your budget a good idea, but it can also help change your home buying options. Paying off your debt can change your mortgage application and can be viewed more desirable to lenders. We recommend writing a list of your debt expenses including credit cards, lines of credits, loans, etc. Another tip we recommend is to start saving what your mortgage payment could be. This can show you if it is even doable for your income and lifestyle. Not only will you save a lump sum of money quickly, but it will also give you a clearer picture of what your financial future could look like.


Each situation is unique. You might be ready to start achieving your real estate goal or you might need some more time to get your finances in order. If you’re ready to start on your mortgage application, getting all your documents into our team is the next step. From there, the broker will work on what amount you can qualify for and which lender will accept you. Don’t be discouraged if you need more time, the right time to get into the real estate market is only when YOU are ready! Our team can schedule a reminder to check in on how you are doing and will be ready when you are ready to activate your plan. The Auxilium Team is here, to help achieve your New Year’s Solution!  Auxilium means: care, aid, assist and support, and that is what we do, day in and day out!

Ready to find out if or how you can make your resolution come true? Our team is here to help. Fill out our contact form or give us a call at 250-590-6520 (toll-free 1-855-590-6520) to see how we can find the best solution for your situation.

Auxilium Mortgage Corporation is based in Victoria, BC and works with clients locally and across Canada. The Auxilium team has over 100 years of combined financial experience and access to dozens of lenders to help you meet your goals.

This post reflects the best available information at the time of writing/last update. To ensure that you have the most up-to-date information, contact us to confirm the details for your specific situation.

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