Are you in the market to buy a home? Contact our experts to help you on your purchasing journey. We will fit you with the right solution at an incredible rate!


Every journey into home ownership is unique. Perhaps this is your first home and you are navigating the winding and often confusing road to home ownership. Or maybe you are looking at buying that house down the block as an investment opportunity. Don’t worry, our experts have seen it all. We will set you on the right path to ensure one of your most important investments is done right!

3 Common Situations

Traditional Mortgage

This would be the most common scenario. You are in the market for a new home, your income and credit are good and you have saved up a 5-19% down payment. A lower cost, government insured mortgage could be ideal.

Amortization maximum is 25 years.

20%+ Down Payment

Having a larger down payment is a great, however you will no longer qualify for a government backed mortgage. For this reason you will often pay a higher rate however the terms can be much more flexible.

Amortization period 30-40 years.

Self Employed

If you are self employed and are finding it challenging to get a traditional mortgage we can help. Perhaps your net income is low but you gross income is very good. Maybe you have run into some tax problems in the past. Our staff have a wealth of experience dealing with self employed people and their complex financial situations. Contact us today to find out how we can get you the mortgage you are looking for.

Contact Us

The Graeme Moss Solution

No matter the situation our experts can help you with your home purchases!
Contact us today for a free, confidential review of your situation. We are here to help.

People we’ve helped.

  • I first met Graeme over the phone when we were living in Hamilton and finding it difficult to make our payments. He was so helpful and we knew he genuinely wanted for us to be successful. Ever since, we have gone to him when purchasing a new home or refinancing because we trust him and we know he cares. He always goes above and beyond to help us when we need it. We went from struggling to make payments to living in our dream home in a few short years.  I truly believe that it is because of his knowledge and passion for helping people build their futures that we are where we are today. Thank you, Graeme!!

    M. V. Hamilton, ON
  • Thank you Graeme, for everything you did to help us with our mortgage, for your patience with my questions and professionalism. We truly appreciate yours and Deborah’s efforts on our behalf.  We’ll be sure to recommend you to anyone we know who needs help like we did. Thanks so much for everything.

    J. M. Hamilton ON
  • Graeme Moss has provided stellar customer service and was a key player in ensuring due diligence. It was both a pleasure & very professional dealing with Graeme when I turned to Fair Mortgage Solutions seeking an interim solution.  He, once again was very accurate in advising me, he is not a lawyer. What prompted me to negotiate the legal fees was associated to why this crucial “matter” between legal departments was not finalized in 2017.  Moving forward, Graeme’s diligence directed me immediately to the right department. Your department honoured negotiating and we established completion of the task at hand, the Discharge of the MTG. Thank you!

    K. W. Burlington, ON
  • We refer clients to Graeme who are either having serious financial issues, or are recovering from a bankruptcy or proposal filing. They are challenging situations. I can count on Graeme to treat people with compassion and respect. I trust that if there is a mortgage solution to be found, Graeme will make it happen. He truly cares about people and helps them to succeed.

    Christine Zuk President, Vine and Williams Inc.
  • You and your team are awesome. You truly care and you saved my life. Thank you.

  • This is great. We were so worried. Hearing how others helped who were in a similar situation. This is a godsend. We appreciate the roadmap. Glad it is within 3 days. The advice free, can’t go wrong.

    H.H Mississauga
  • My wife and I were stunned at the speed you got this done. The fee was very low. We are thrilled. Thank you for your help!

    D.H. St. Catharines
  • You guys are friggin awesome! We feel so happy. Thank you so much.

    S.R. Oshawa
  • You have been a godsend. An absolute godsend. I can finally sleep at night. My children thank you. We have 6 options instead of being forced what to do.

    L.E. Mississauga
  • I'm a first time home buyer and had a very positive experience working with Graeme Moss, he gave good advice and made the process very easy.