Whether you're buying your first home, renewing an existing mortgage, unlocking equity for a renovation, or financing a commercial property, Breezeful works with 100+ lender partners to find the right fit. Here is a breakdown of the products Catherine and the team can help you access.
Residential Mortgages
From your first pre-approval through to your final renewal, the products below cover the most common situations New Brunswick buyers and owners face.
Most popular
A pre-approval confirms how much a lender is willing to lend you, at a rate that's typically held for 90 to 120 days. It tells you exactly what you can shop for, signals to sellers that you're a serious buyer, and shortens the time it takes to firm up an offer once you've found the right home.
Leverage your equity
Refinancing pays out your existing mortgage and replaces it with a new one — usually to access equity, change your rate or term, consolidate high-interest debt, or pull cash out for a renovation or investment.
Every 3 to 5 years
When your current term ends, your lender sends a renewal offer. Most borrowers simply sign it — but your existing lender doesn't always offer the most competitive rate. Shopping the market at renewal is one of the easiest ways to save.
Alternative lending
Private mortgages are funded by individuals or private companies rather than traditional banks. They're commonly used when a borrower can't qualify at a major lender — for example, due to recent credit issues, non-traditional income, or an unconventional property.
Behind your first mortgage
A second mortgage is an additional loan secured against your home, ranking behind your primary mortgage. It lets you access equity without breaking your existing mortgage's terms — useful for renovations, a down payment on a second property, or a one-time large expense.
Revolving credit
A HELOC gives you revolving access to your home's equity, similar to a credit card but with much lower interest rates. You borrow what you need, when you need it, and only pay interest on the amount you've used.
Path to ownership
A rent-to-own agreement lets you rent a home for a set period with the option (or obligation) to buy it at the end of the term. A portion of each month's rent is typically credited toward your future down payment, giving you time to save or rebuild your credit.
Commercial Mortgages
Commercial lending is a different world from residential mortgages — different criteria, different documentation, and a much smaller pool of qualified lenders. Catherine and the Breezeful team work with partners to support a wide range of business and investment scenarios.
Owner & investor
A broad category that covers most non-residential and mixed-use properties, including owner-occupied and investment real estate. Lenders focus on the property's income and the borrower's business profile, not personal residential ratios.
5+ units
Multi-unit properties — typically five or more units — are financed as commercial mortgages. Lenders evaluate the property's rental income, expense ratio, and the experience of the borrower or property manager.
Warehouses & plants
Industrial properties include warehouses, manufacturing facilities, distribution centres, and flex buildings. These are typically financed based on the strength of the business occupying them and the suitability of the building for its intended use.
Ground-up builds
New-construction commercial financing is staged — funds are released as the project hits milestones (foundation, framing, occupancy). Lenders will look closely at the project plan, contractor experience, pre-leasing, and exit strategy.
Ready to get started?
Every borrower's situation is different, and the right product depends on factors that are hard to capture on a webpage. A short call with Catherine is usually enough to figure out the best direction — no commitment, no pressure.