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Term's of Service

Acceptance of Terms

By accessing or using the PMT Mortgage website and services, you agree to these Terms of Service.


Services Provided

PMT Mortgage provides mortgage-related services across Canada, including:

  • First-Time Home Buyer Programs

  • Mortgage Renewals

  • Mortgage Refinancing

  • Home Equity Line of Credit (HELOC)

  • Pre-Approvals

  • Renewal Strategy

  • Equity takeout consultation

  • Debt consolidation analysis

  • Cost vs. Savings analysis

  • 30-year amortization qualification guidance

  • FHSA and HBP education

  • Stress Test qualification support


No Guarantee of Approval

Mortgage approvals, rates, and lending terms depend on:

  • Credit score

  • Down payment size (less than 20% vs 20%+)

  • Income documentation

  • Lender qualification criteria

  • Canadian lending landscape conditions

While we provide expert guidance and negotiation support, final approval decisions are made by lenders.


Financial Strategy Disclaimer

Strategies discussed on the website include:

  • Switching lenders

  • Extending amortization

  • Debt consolidation

  • HELOC structuring

  • Tax-deductible investment structuring

  • Short-term fixed vs variable analysis

  • Renewal negotiation

All financial decisions should be reviewed carefully. Market conditions may change


Educational Content

Content provided on:

  • Pre-approvals

  • Mortgage default insurance

  • Credit score requirements (680+ recommended)

  • Self-employed buyer documentation

  • Insurable vs uninsurable mortgages

  • Stress Test qualification

  • HELOC structuring

  • Break penalty analysis

is intended for educational purposes and does not replace lender underwriting policies.


User Responsibilities

By using our services, you agree to:

  • Provide accurate and complete financial information

  • Submit truthful documentation

  • Review all mortgage terms before signing

  • Not auto-renew without reviewing options (as advised)


Intellectual Property

All website content, branding, and materials including:

  • PMT Mortgage name

  • Marketing content

  • Mini e-book

  • Strategy descriptions

  • Team profiles

  • Recognition references

are property of PMT Mortgage Corp.


Updates to Terms

PMT Mortgage reserves the right to update these Terms of Service and Privacy Policy at any time.


Contact Information

PMT Mortgage Corp.110 Sheppard Ave E #640North York, ON M2N 6S2Canada

Phone: (647) 368-5009Email: info@pmtmortgage.ca

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