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  • Purchase Loan Types
  • Why Consider Unimor?

Our Home Loans At-A-Glance:

Found a new home? Congratulations! Now all you need is the right mortgage loan. We can help. First, request a free mortgage quote. Next, review a range of up to 4 personalized mortgage loan options. Our lending partners have many low rate mortgages available for primary residences, second properties, vacation homes, cottages, and even investment properties.

At times, finding the right home loan can feel a little overwhelming. We simplify it by walking you through the entire process. We guide you through every step and take the time to explain any aspects of the transaction. Unimor Capital offers a wide variety of mortgage loans to fit your unique needs:


Fixed Rate Mortgage:

Provides a secure interest rate that stays the same for the entire length of your mortgage term.

What is it? A fixed-rate mortgage loan is a fully amortizing loan where your interest rate remains the same through the term, as opposed to variable rate purchase loans where your interest rate may “float” (based on economic conditions).

Who is it for? If you are more comfortable with the stability and security of paying a fixed amount every month, and plan to stay in your home long-term, a fixed rate mortgage through Unimor may be right for you.

Compare historical savings between fixed and variable rate.

Variable Rate Mortgage:

A favourable choice for many Unimor clients. The past 30 years indicate that purchasing with a variable rate mortgage is a better loan option than a fixed rate by more than 80% of the time.

What is it? A variable-rate mortgage interest rate may periodically adjust based on prime lending rate. This adjustment can affect the cost of borrowing (increase or decrease) on your loan. Long-term, variable rates have proven to be the least expensive.

Compare historical savings between fixed and variable rate.



When shopping for a home, knowing how much you can afford, what you can spend, and locking… Read More

Up To 25 Year Amortization:

The main benefit is a smaller monthly mortgage payment than with a longer amortization.

Who is it for? Ideal if your goal is a lower monthly payment. A Unimor 25 year mortgage can be what you are looking for. Take longer to payoff your mortgage and bring down your monthly payment, we can help you decide if a 25 year amortization loan makes sense for you.

Conventional Home Purchase Loan:

If you have 25% or more as a down payment, a conventional mortgage (uninsured mortgage) may be a good option for you. Lenders look at this as instant equity and less risk for them. They pass on this lowered risk in the form of favourable rates and terms.

With over 25% down payment you can avoid paying an insurance premium. As an added benefit you will have access to a lower interest rate bringing down your overall cost of borrowing. Unimor offers highly competitive rates and terms when purchasing with a conventional mortgage. We can help you decide if this mortgage loan type is right for you.

Damaged Credit Mortgages:

Getting a mortgage in Ontario with bad credit can be a challenge. Many banks simply refuse to deal with people who have poor credit. Unimor offers a network of high-ratio and non-conventional lenders that can help you get approved.

Even with damaged credit, there may still be mortgage loan solutions available to you. Unimor has relationships with several traditional and non-traditional lenders. For over 30 years we’ve been helping clients with bruised credit get approved. The Unimor team specializes in finding mortgage products for people who may have been declined for mortgages in the past or who are struggling to service their existing debt. So smile, more often than not we can help. Request your quote today.

Interest Only Mortgages:

Normally for shorter periods, interest only purchase loans offer lower monthly payments.

What is it? An interest-only purchase loan is a loan set for a term, wherein the borrower pays only the interest on the principal balance, but with the principal balance unchanged. At the end of the term the borrower may continue the interest-only mortgage, pay the principal, or (with some lenders) convert the loan to a principal and interest payment (or amortized) loan at his/her option.

Who is it for? If your goal is a smaller payment with the option to renew into a principal and interest mortgage when the term is up, a Unimor interest only purchase loan may be right for you.

Business for Self / Self Employed:

Mortgage options for self-employed borrowers who can explain and prove capacity to repay without traditional GDS/TDS requirements.

What is it? A purchase loan designed for those who are self employed or a business owner. Instead of T4’s our lenders look at your credit history and 3 year’s financial statements, notice of assessments and/or tax returns… or combination of. Without having to fit into traditional GDS/TDS guidelines, self employed borrowers have a better option when purchasing a mortgage.

Who is it for? For business owners or self employed individuals who are able to present financial history by either 3 years notice of assessments, tax returns and/or financial statements. Contact us today, we can help you decide if this is the option for you. If you are unable to prove income and are self employed, a No Income Verification Loan might be better for you.

New Construction (Completion) or Progress Draw Mortgage Loans:

Building a new home can be a bit overwhelming but your mortgage experience shouldn’t be.

Unimor has two mortgage options for newly built or to-be built homes.

What is it? A Completion Mortgage is designed for new construction. A completion mortgage requires one payment to the builder from the lender once the house has been built. The down payment comes from your own resources. A Progress Draw mortgage is disbursed typically in 3 intervals, somewhere at approximately 35%, 65% and then final at 100% completion of the home.

Who is it for? For anyone looking to build their dream home, be their own contractor or buy one just built with the builder’s own funds. Contact us today, we can help you decide if this is the option for you.


Open and Closed Purchase Loans:

An open purchase loan is designed for those who are looking to payoff their mortgage sooner without penalties with a low rate, within lender`s guidelines. Opposite an open mortgage is a closed mortgage loan, which is designed for those who are happy to pay a set payment over the term of the loan and in turn receive an even lower rate then an open purchase loan.

Not sure which mortgage is right for you? We are here to help. Start your free quote online, or call us toll free.

Why Choose Unimor Capital?

No Hidden Fees or Commitment to Worry About
Unlike many other Ontario mortgage companies you won’t find any fees secretly buried in your mortgage loan. We believe in full transparency and disclosure throughout the entire process. We want you to feel completely confident about your choices. At Unimor there is no commitment, obligation, or cost for a mortgage quote. Our role is to provide you with details about rates, terms, related costs, and the best possible advice for your situation, but ultimately YOU decide if you are comfortable accepting a lender’s offer. If you choose to not move forward, there is no cost to you.

Access To Surprisingly Low Interest Rates
Millions of dollars in in mortgage loans have been processed through Unimor Capital. Why is this important? Because it is this volume that helps ensure our lenders offer you some of the most competitive mortgage rates on the market! Think of it as buying in bulk – the more we buy, the more you save.

An Array of Mortgage Lending Options
When you request a personalized mortgage quote, we screen rates and promotions of dozens of different lending partners, including chartered banks, trust companies, credit unions, non traditional lenders, or private lenders, to find you the lowest interest rate for your situation. With dozens of lending products at your disposal, we’re confident we can provide you with a mortgage quote you will smile about.

Quick Close
According to many past clients we close our mortgage loans in half the time as other brokerages they’ve worked with. We’re not just a 9 to 5 company. We work tirelessly to make sure you get the best possible quote and your loan closed in as short a time as possible! Even if it means working through the night to get your time sensitive deal closed. That is our unwavering commitment to you!

With thousands of clients and over 500 million financed since 1980, Unimor has the experience to get you approved at the lowest rate for your situation. You can feel confident knowing we will handle every detail of your loan efficiently from start to close.

Ongoing Communication:
We keep you informed and feeling comfortable about the details every step of the way!

Finding the right mortgage loan can be stressful. From the time you request your free mortgage quote, to the day you close on your loan, we make the entire process as convenient, easy, and as low stress as possible. Bottom line, we know you’re busy, so we cut the red tape out as much as possible.

Ontario Wide Service
Getting a mortgage anywhere in Ontario is easy through Unimor. For clients at a distance, we’ve streamlined the entire mortgage application process. Through phone, fax, and email, all paperwork is efficiently and securely handled in minimal time.

Trusted Experts in What We Do
For years we’ve been helping people like you find the perfect mortgage loans. Unimor is a member of IMBA – (Independent Mortgage Brokers Association of Ontario), which sets the “gold standard” in ethics and knowledge of its associates. We are also a member of good standing with the Better Business Bureau. More about us

The content provided on this website is presented or compiled for your convenience and is provided for informational purposes only. The information provided on this website should not be construed as offering legal, financial or other advice to be relied on by the reader to make or refrain from making any decision or to take any action. Please consult us first before making any decisions. Although we make every effort to ensure accurate mortgage interest rates on Mortgage Approval, rates are subject to change without notice at any time. Some rates may be subject to minimum credit score, loan amount and may only be available certain lending areas. Cash back mortgage Ontario residents only. Unimor Capital is a Windsor mortgage broker.