How Do Mortgage Lenders Calculate Affordability in BC?
From big banks to B lenders, everyone calculates affordability slightly differently. Review the main differences and learn which lender type might be best for your financial situation.
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No matter what your financial situation, Auxilium Mortgage is here to get you into the home of your dreams
Over 2000 Happy Clients in Langford and Across Vancouver Island
From first-time home buyers to seniors looking to leverage their home’s equity, we specialize in helping Vancouver Island residents find the mortgage solutions that work best for their current financial situation and future goals.
HOW TO GET A MORTGAGE
The Mortgage Application Process with Auxilium
01
Complimentary Consultation
Meet with our expert team in a no-obligations consultation to learn more about your situation and explore possible mortgage solutions.
02
Mortgage Approval
We present you with mortgage options and you select the one you’d like to move forward with. Then, we submit the paperwork and secure a formal approval with a lender.
03
Lawyer Instruction & Closing Review
We forward all necessary documents to your lawyer for their review before you close on your new home.
04
Lawyer Visit
You meet with your lawyer to review and sign all mortgage and home purchase documents.
05
Move In
You receive the keys and move into your new home!
MORTGAGE RESOURCES
Expert Advice for Langford Homeowners
Does a Rental Suite Help You Qualify for a Mortgage in BC?
Purchasing a home with a rental suite is an increasingly popular strategy for Canadians to offset the price of a larger home and make the mortgage payment work for their budget. Here’s what potential homeowners need to know.
Can You Buy a Home Without a Down Payment in Canada?
While you can’t purchase a home without a down payment, there are plenty of ways to reduce the financial burden saving for your new home can cause.
Fixed vs. Variable, Open vs. Closed: How to Choose the Right Mortgage Option for You
Learn the differences between fixed, variable, blended, open, and closed mortgages and understand the best mortgage option for you.
Supporting our Local Langford and Victoria Communities
When you purchase a home, you’re getting more than just a roof over your head. You also become a part of the community alongside Auxilium Mortgage and many fantastic local organizations. We’re proud to actively support these local organizations in Victoria and the Westshore, because we live and play here too!
