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Welcome to

Premiere Mortgage PEI

We understand. Mortgages can be complicated, we are here to help. We are here to support you for the life of your mortgage.

We have options. We aren’t tied to one bank. We work with large banks as well as lenders exclusive to the broker channel to make sure you are getting the best mortgage for you. This means that we will work with you to find out your individual needs and will match you to the best lender for you.

We work for you. Your credit score can be impacted each time you have a credit check. Why go to multiple banks, when we can do the work for you. We pull your credit bureau once, and can shop the best product for you.

We work with your schedule. We don’t work a 9-5 schedule. We will work with you to meet at a time that suits your needs, we can also work with you through email and phone, to make it more convenient for you. We will even give you our cell phone numbers.

We get paid by the banks. There is generally no cost to use our services. In most cases, we get paid by the bank. In certain circumstances, such as private and commercial financing, a broker fee will be charged. Such fees will not be charged unless your mortgage is funded. It costs nothing to speak with us.

We have experience. We have 29 years combined experience. As business owners, we have a direct interest in providing you with quality advice to arm you with the knowledge you need to make the right decision.

Premiere Mortgage PEI

Call us today at 1 (902) 303-5996 and get started.

Meet the

Premiere Mortgage PEI Team

Today's Rates.


Today's variable rate.

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Today's fixed rate.

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How it works

Our process is quick and painless.


Start the process with our application. You can apply online or by phone.


We'll review your application with you to make sure everything perfect.


We'll do everything we can to find the best deal for you.

Our Products

Self Employed Mortgage Options

Are you one of the thousands of Canadians who are self-employed and wish to purchase a new home or refinance your current property and the income you declare is not reflective of your gross business income? There are many mortgage solutions available to self-employed individuals, and depending upon your own unique circumstance, we can offer you a mortgage solution that can help you facilitate your mortgage requirements. Some programs offer up to 90% percent financing on a new purchase!

New Construction

Many of us desire to build our dream home that meets all of our needs for many years to come. Construction mortgage financing is a popular choice for many Canadians; however, building a new home does not come without its challenges. There are many financial considerations and steps to be taken. At times, the process can feel overwhelming. We are here to help you create a budget and guide you through the home building process with your new construction home. We will show you what the lenders require in order to grant a new construction home mortgage.

New to Canada

Have you relocated or immigrated to Canada within the last 5 years and are looking to purchase your first home in your new country? We can help!

There are many programs available to for those that are new to Canada to help you realize your dream of home ownership. Most programs allow as little as 5 percent down of the purchase price, subject to some conditions and which are not limited to: permanent residence status, some Canadian credit history and gainful employment. We can help you navigate through the many mortgage programs and products, and to help you with your present and future borrowing needs when you?re new to Canada and setting down roots.


Are you and your family wanting to buy a new home but aren't quite sure if you would qualify to do so? Do you have more questions then answers?

In the pre-approval process, our team will sit down with you and go over your budget and your credit history while we educate you on all of the factors that lenders are looking at when reviewing your application. Additionally, our team will review the costs that come with closing a home, such as legal fees, down-payment amount, cost of transferring land, appraisal fees and any other fees that could potentially affect you when purchasing a home.

Purchase Plus Improvements

Many re-sale homes may require some updating such as and not limited to: new doors, flooring, roof repair, exterior improvements, and interior finishes. The latest purchase plus improvements solutions help the home buyer manage these updates. You will need to provide copies of the certified quotes and /or a copy of the certified contract of the renovations being completed, coupled with the signed and executed purchase agreement to us for review. This will ensure that the purchase plus improvements will increase the overall value of your new home and confirm whether the lender has approved the renovations.

Bruised Credit

Many Canadians face financial hardship at one time or another due to poor financial information, job loss, divorce or illness, and do not know where to turn for advice or guidance once they develop bruised credit. At Premiere Mortgage, we are here to help you in a non-judgmental and fully transparent environment. Don't let past or present credit issues hold you back from taking the steps to realize your dream of home ownership or consolidating existing credit card and loan debt with your existing home equity. There are many alternative lenders in the Canadian Mortgage Market that have programs to help you get back on your feet following bruised credit.

Buying a Vacation Property or Second home

Do you dream of owning a cottage, second, or vacation home that you can escape to on weekends? We can help. Owning a vacation home for you and your family to enjoy is attainable with as little as placing 5 % down! There are many mortgage solutions available in today's market to help you realize your dream of vacation home ownership.

Mortgage Refinance

Have you worked diligently to pay down your mortgage, and want to take advantage of the current market and capitalize on your current equity? You can borrow up to 80% of the current market value minus your existing mortgage. There are many reasons to refinance your current home, vacation, or rental property: debt consolidation, home renovation, investment purposes including adding to your real-estate portfolio, paying for your children?s education and financing your dream vacation. The possibilities through a mortgage refinance are endless.

Commercial Mortgages

Commercial mortgage brokers have relationships with multiple lenders and have the ability to assist you finding the right mortgage for your needs. Whether you are in need of a construction loan, real estate financing, or purchasing a business, a broker will be with you every step of the way.

Investment properties

Are you looking to invest in real estate? Whether you are looking at options for your existing portfolio, or purchase a new rental property, we are here to help. We will tailor a solution to your individual needs.

Reverse Mortgages

Are you getting close to retirement and realizing you may have not put enough away in savings to maintain the lifestyle you would like? A reverse mortgage could be the right solution. You have worked hard all of your life, why not take advantage of the equity in your home and make it work for you? You can either take a lump sum, or draw a salary from your home, so you don't have to worry anymore about your monthly cash flow.

Frequently Asked Questions

Variable rate mortgages are a floating rate. You are guaranteed a discount of the lenders prime rate, however the interest rate fluctuates with the banks prime. These rates are typically lower as there is more risk involved.

Fix rates are set for a certain term, typically 1-10 years. The interest rate is the same over the term of your mortgage and will not change until it matures.

The pre-payment options also vary for fixed and variable rate mortgages. We will work with you to help tailor the mortgage to your unique situation, while taking into consideration your plans for the future.

Yes we are. We have multiple lenders available to us, and provide financing for purchasing or refinancing a mini-homes. Whether the property is on it's own land, or leased land, we have a solutions for you!

Mortgage insured is required on all properties where less than 20% down payment is provided. This cost is percentage based depending on your mortgage amount and down payment. This insurance protects the lender in the event of default. There are also additional products available through insured properties which may not be available through conventional lending. The fee is typically added to your mortgage amount, so you do not have to pay any additional costs up front.

A pre-approval helps take the guesswork out of buying a home. We will work with you to help determine a price range for you to go house shopping! It is a good idea to get a pre-approval, even if you are relatively sure of your limit, as this can help lock in rates. It also helps to avoid any surprises, so when you put in an offer, you an shop with confidence!

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