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SERVICES

Arranging a mortgage and dealing with lenders can be both a stressful and confusing process. Whether you’re buying a home or renegotiating an existing mortgage, I’m here to guide you through this process as smoothly as possible, and support you in the years to come.

A Mortgage Broker offers an invaluable alternative to working with a single bank. In today's dynamic lending market, customer loyalty to one bank brand is a thing of the past. Savvy consumers understand that the financial landscape is vast and varied, presenting many more options both within and beyond the big banks.

 

Navigating this landscape requires a trusted, knowledgeable guide.

As your mortgage broker, I collaborate with numerous big banks and a wide range of other lenders to identify the best solutions tailored to your unique needs. You benefit from having an unbiased advocate in your corner, ensuring you receive the most competitive rates and terms available. With my expertise and dedication, you'll feel confident and supported every step of the way.

Buying a home is both exciting and stressful, whether it’s your first or a move to a new area. I’m here to help with your financing needs.

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We’ll create a budget tailored to finding your perfect home. I provide strategies to help you achieve your goals faster. I collaborate with realtors to form a supportive team, ensuring you secure your ideal home.

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PURCHASING

Refinance your home now or at renewal to:

  • Consolidate high-interest debt.

  • Lower payments by extending amortization.

  • Access equity for investments, renovations, or education.

  • Adjust your mortgage terms and features.

 

Let me help you find the best options.

REFINANCING

Unsure about your mortgage renewal?

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The market has changed, but I can help guide you.

Whether your renewal is weeks away, I'll help you maximize your options. Lenders are competing for new clients - let me help you secure the best deal.

RENEWALS

Modern reverse mortgages offer a way to access home equity with reasonable rates and no payments required.

  • Stay in your home as income decreases and care costs rise.

  • Support younger generations with education or homeownership.

  • Consolidate high-interest debts or eliminate mortgage payments.

  • Improve your home for accessibility and comfort... and more.

REVERSE MORTGAGE​

Buying your first home is exciting, but can bring uncertainty as you begin this new phase. Entering the market today may require a creative approach. I’ll help you or your loved ones strategize and leverage programs to secure your first home sooner. It’s never too early to start planning!

FIRST TIME HOME BUYERS

Being self-employed doesn’t mean limited mortgage options. With 25+ years as a small business owner, I specialize in helping self-employed clients find the right lender. I’m here to support your homeownership dreams.

SELF-EMPLOYED BUYERS

When it comes to rental properties, we enter a whole new landscape of factors in which lender policies vary GREATLY! Let me guide you through the process and find the best fit for your needs; from creating a rental suite in your home to buying your 10th door, I can help.

 

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INVESTMENT PROPERTY

Have a project in mind?

 

Be it a spec build, self-build or larger project, I work directly with industry experts to help you through all the stages, from planning to execution to completion.

CONSTRUCTION MORTGAGE

​Looking to lower your interest payments?

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Credit cards, lines of credit and car loans have the highest interest rates. By consolidating these loans into a mortgage product, you can pay off this debt faster!

DEBT CONSOLIDATION

Working with Tom makes putting a sale together so much easier. His knowledge of the current mortgage environment keeps us up to date in all aspects of financing. This, combined with his clear and punctual communication, means that we can rely on him to take care of our clients, and help us get the job done!
 
Tom is a huge asset for any realtor!

- Clayton + Lionel Lorence (RE/MAX)
 

LOOKING FOR MORE INFORMATION + TOOLS?

Tom Rahme is a professional mortgage broker based in Victoria, BC, Canada

CONTACT​​​

I acknowledge and show my gratitude for living and working on the traditional territories of the Coast Salish Nations.

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© 2024 TOM RAHME

Victoria, BC Canada

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