Business Details
Your Trusted Mortgage Partner in St. John's
APlus Mortgage has been a trusted partner in financial services for over two decades, offering comprehensive mortgage solutions and personalized financial guidance. Our team of seasoned professionals brings decades of combined experience in banking, insurance, and investment sectors, ensuring clients receive expert advice tailored to their unique needs. We prioritize client education, empowering homeowners and investors with the knowledge to make informed decisions about first-time purchases, refinancing, debt consolidation, and credit improvement.Our commitment to a personal touch is evident in our proactive client communication, including birthday greetings, loyalty discounts, and community-focused events like our annual Family Fun Day. With access to multiple lending institutions, we negotiate competitive rates while maintaining transparency and ethical standards, ensuring every client interaction reflects our dedication to long-term financial well-being.
Services
First Time Home Buyers
Debt Consolidation
Mortgage Refinancing
Mortgage Renewals
Credit Improvement
Self-Employed Financing
New To Canada
Investment Properties
Home Equity Renovations
Vacation Homes
Highlights and features
- We offer a complete suite of mortgage and financial services under one roof.
- Our team has over 30 years of combined experience in banking and finance.
- We provide personalized mortgage strategies tailored to individual client needs.
- Our client loyalty program offers exclusive discounts and partnership benefits.
- We guarantee fast mortgage pre-approvals with no upfront costs.
What people say
Exceptional service
Knowledgeable and professional
Stress-free process
Patient and thorough
Excellent rates
Services
First Time Home Buyers
Specialized mortgage solutions for first-time homebuyers, including down payment guidance and pre-approval processes. Our team simplifies complex mortgage terminology and offers access to government programs like the Home Buyers Plan. Clients benefit from personalized rate comparisons and real estate agent referrals, ensuring a stress-free transition to homeownership.
Debt Consolidation
Mortgage-based debt consolidation services that reduce high-interest credit card payments. We help clients access home equity to combine debts into a single lower-rate payment. This service includes cash flow analysis and long-term savings projections, transforming financial stress into manageable repayment plans while improving overall credit health.
Mortgage Refinancing
Comprehensive refinancing options to access home equity or secure better rates. Our brokers analyze penalty calculations and market trends to determine optimal timing. Services include renovation financing through equity release and strategic debt restructuring, with a focus on reducing amortization periods while maintaining financial flexibility.
Mortgage Renewals
Proactive mortgage renewal assistance that compares multiple lender offers to secure competitive rates. We evaluate changing financial goals and life circumstances to recommend appropriate term lengths. The service includes penalty negotiation support and transition guidance between fixed/variable rate structures, ensuring clients maximize savings opportunities.
Credit Improvement
Specialized mortgage solutions for clients with credit challenges, including post-bankruptcy financing. Our brokers connect clients with alternative lenders while providing actionable credit rebuilding strategies. This service includes personalized credit score analysis and step-by-step improvement plans, making homeownership accessible to those with non-traditional credit histories.
People
Lawrence George
President and CEO
With over 30 years in banking and finance, Lawrence leads APlus Mortgage's strategic direction. His expertise spans mortgage innovation, financial planning, and client relationship management. He personally oversees complex case resolutions and maintains key lender partnerships.
Nicole George
Mortgage Broker
Licensed mortgage broker specializing in first-time homebuyer programs and investment properties. Nicole provides personalized rate comparisons and market analysis, helping clients navigate mortgage complexities with clear, jargon-free explanations.
Stephen Stead
Mortgage Specialist
Experienced in debt consolidation strategies and credit recovery solutions. Stephen focuses on transforming financial challenges into structured mortgage plans, with particular expertise in self-employed financing and alternative documentation requirements.
Francine Synyard
Mortgage Broker
Specializes in mortgage renewals and refinancing opportunities. Francine helps clients optimize their mortgage structures during term transitions, with a focus on penalty minimization and long-term rate stability.
Jessica Cahill
Mortgage Broker
Expert in new-to-Canada mortgage programs and cross-border financial solutions. Jessica assists immigrants with credit establishment and helps connect international clients with appropriate lending resources.
Questions
What mortgage options exist for first-time homebuyers?
We offer specialized programs including down payment assistance, pre-approval guarantees, and government-backed mortgages with lower down payments.
How can I consolidate high-interest debt?
We use home equity solutions to combine debts into one lower-rate mortgage payment, improving cash flow and reducing interest costs.
What credit score is required for a mortgage?
We work with all credit profiles, offering solutions from prime lenders to alternative financing options for challenged credit situations.
Can I renew my mortgage early?
Yes, we help clients review renewal offers up to 120 days before maturity to secure better rates while managing penalty calculations.
Do you offer online mortgage applications?
Yes, our secure portal allows complete mortgage applications with real-time status tracking and document submission capabilities.
How do I start the mortgage process?
Contact us for a free consultation to discuss goals, receive rate options, and begin pre-approval documentation tailored to your situation.
