Here are some additional services to help make your home purchase easier and more secure.

Mortgage Insurance
Protect your home and your family's future with The Mortgage Centre's Mortgage Protection Plan. This convenient insurance package, which pays your mortgage balance in the event of your death, can now be added to any existing Mortgage Centre mortgage.
We also offer insurance that covers your mortgage payments if you become totally disabled. If you're unable to work for 60 days or more, disability coverage will pay up to 100% of your monthly payments for up to one year. Disability coverage is available only at the time of mortgage funding and is packaged with life coverage.

The Mortgage Protection Plan's life coverage or life and disability package is very affordable because premiums are calculated on special group rates. Non-smokers save even more. You're eligible to apply if you're working or medically capable of working.


Home Closing Services
While there's nothing like taking possession of your new home, all the effort it takes to get there—with endless paperwork, surveys, closing delays and occasional problems with titles—can be frustrating and costly.

First Canadian Title's Home Closing Services eliminate many challenges and worries commonly associated with the closing of a real estate transaction, all for a fixed cost.

Through Home Closing Services, you acquire the broadest title insurance protection available with the added comfort of knowing exactly what it will cost.

First Canadian Title is Canada's foremost real estate related financial and information services company. The parent company, First American Title Insurance Company, is one of the world's oldest and largest title insurers. Headquartered in Mississauga, Ontario, First Canadian Title introduced title insurance to Canada in 1991. Last year, First Canadian Title issued over 180,000 title insurance policies to Canadians.

First Canadian Title's expertise is just one more way The Mortgage Centre helps your real estate transactions go that much smoother.

Here are some of the other services offered by First Canadian Title:

Independent Legal Representation
Along with its Home Closing Services, First Canadian Title offers independent legal representation. If you don't already have a lawyer, you can select from their network of dependable, professional legal representatives. They'll help to expedite the closing process, improve your protection, and minimize uncertainty and costs-all for one low price.

Title Insurance
Protect your greatest asset: your home. When bundled with other closing-related services, title insurance gives homebuyers great value and peace of mind. Title insurance protects your investment against fraud, forgery, title defects and survey problems. It even insures you against problems that could affect future ownership. First Canadian Title's Gold Home Ownership Policy* is the most comprehensive title insurance policy in Canada. For title matters covered under the policy, the insured is compensated for loss or damage as well as any legal costs incurred while defending the title.
Title insurance offers greater coverage than a traditional Solicitor's Opinion and is accepted by lending institutions in lieu of a survey. This represents a typical cost saving of $600. Not only that, but you eliminate delays and costs of fixing problems that may have been revealed by an up-to-date survey.

First Canadian Title has a proven claims history and a highly responsive, innovative approach to resolving title issues. And because you've obtained First Canadian's title insurance, your property is protected for as long as you own your home. Now that's peace of mind!

*Title Insurance issued and underwritten by First American Title Insurance Company.

Fixed Closing Costs
Buying a home is expensive enough, so closing costs that exceed estimates are always an unwelcome surprise. First Canadian Title offers fixed closing costs so you know exactly what to budget. Other features available with our Fixed Home Closing Costs include independent legal representation, legal fees and disbursements, First Canadian's Gold Title Insurance Policy and discounts on home-related products and services. Some restrictions may apply.

Deferred Closing Costs
The cost of buying a home can be overwhelming. Fortunately, First Canadian Title offers a Deferred Closing Cost option that allows you to defer your closing costs—interest-free—for up to six months (on approved credit). Legal fees, title insurance premium, land transfer tax and other related closing expenses are included for a small administration fee:
6 months: $105
3 months: $55