Mortgages for Mattamy Homeowners
A mortgage strategy built around a new-construction timeline, from your first deposit to the day you get your keys.
The Elite Mortgage Experience for Mattamy Homeowners
Building a home is a journey that takes time. Your mortgage strategy should provide security at every stage. We deliver a customized Track-to-Close system engineered specifically for the unique timelines of new construction.
Building with Mattamy Homes?
Five Ways We Protect Your New-Build Mortgage
18-Month Elite Rate Protection
Insulate your future home from market volatility. Lock in today’s discounted rates for up to 1.5 years while you build.
The 6-Point “Track-to-Close” System
Complete peace of mind from groundbreaking to key handover. We provide proactive file management and dedicated status updates at every construction milestone.
Unrivaled Market Access
We leverage relationships with 30+ prime lenders to secure aggressive rates and maximize First-Time Home Buyer incentives that big banks often overlook.
A Billion-Dollar Legacy
Expertise you can trust. Over $1 Billion in funded volume built on a foundation of safety, integrity, and genuine human connection.
Sub-Prime & Specialty Lending
We also specialize in sub-prime lending and can cater to any situation, so no file is too complicated to bring to us.
Rate protection terms depend on the program and lender. Ask us how it applies to your closing date.
Your New-Build Mortgage, Step by Step
Before you sign
Get pre-approved so you know your budget, and plan for costs beyond the price.
After you sign
We choose a rate strategy around your expected closing date.
During the build
Keep your credit steady and tell us about any job or income change.
Months before closing
We refresh your file, re-check the market and confirm lender conditions.
Closing preparation
Your lawyer prepares closing and you arrange home insurance.
Keys in hand
Funds advance, you take possession, and we flag your first renewal.
A Few Things New-Build Buyers Should Watch
- Closing dates can move. If your rate hold ends first, you may lose the rate. See how one buyer handled it and how rate holds work.
- Budget past the price. Read closing costs and land transfer tax in Ottawa, and ask your lawyer about any GST/HST rebate.
- First-time buyer? See the first-time buyer guide for FHSA, the Home Buyers’ Plan and rebates.
- Credit challenges or self-employed? We specialize in sub-prime lending. Explore bad credit mortgages and alternative lenders.
Download the Handout
The one-page summary, in English and French. The QR code on it brings you back to this page.
Start Your Personalized Strategy
Tell us where you are in your build and Sean or the team will reach out, no pressure.
Thank you. We will be in touch shortly.
New-Build Mortgage Questions
Yes. Rate holds are available, and the length depends on the lender and program. For new construction, some lenders offer extended holds. Our Elite Rate Protection lets eligible buyers lock in today’s rates for up to 18 months while they build. Terms depend on the program and lender, so ask us how it applies to your closing date.
Closing dates on new builds can move. If your rate hold ends before the new date, the rate may change, and it could go up or down. Tell us as soon as you hear about a change so we can look at extensions or a re-shop.
Before you sign, so you know your budget. We then revisit your approval as your closing date gets closer, because lenders re-verify your file before closing.
Yes. We specialize in sub-prime lending and specialty files. Your options depend on your situation, and we will walk you through them honestly.
Sean Rankin is a Mortgage Agent Level 2 (License #M20000492) with Smart Debt Mortgages, a network partner of Mortgage Intelligence (Brokerage #12236). TopRankin is not affiliated with or endorsed by Mattamy Homes.
Building Your Home? Let’s Get the Mortgage Right.
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