Looking Out for Your Best Interest

Our focus is simple, to Best Serve our clients . Our main goal is helping our clients SAVE MONEY when making a large financial decision that will impact their future, whether it’s a home purchase, refinancing or a renewal of an existing mortgage. We provide our clients with the Best discounted rates available on the market. As mortgage specialists, we are independent and deal with over 40 different financial institutions.

Through our experience and expertise we know the quality of products offered by the various lenders and can quickly short list the ones that best match your individual needs. Our clients end up with the best features and the best rates, all in one stop. It also means that our advice is unbiased and based solely on your specific requirements. In conclusion, we want to provide our clients with the knowledge and fast professional service to ensure that all their finances are handled properly.

Get Expert advice to the following common questions:
  • How much do I qualify for?
  • How to save money and pay off your mortgage quickly
  • What mortgage can you afford?
  • Variable vs Fixed Rate, what’s best for you?
  • Why are terms and conditions so important when determining my mortgage?
  • What is my credit score and why is it important?
  • What is my credit score and why is it important?
  • Is 100% financing still available
  • Can I qualify for a mortgage as self employed
We are available for a FREE consultation 7 days a week.

We are committed to excellent service and customer satisfaction. Why settle for posted rates and taking time off work to make appointments, when you can do it all within hours online with us.

Most banks offer a “limited product shelf ” of 2-6 mortgage types, no reduced rates, no service after banking hours, no suggestions for better options, no education to eliminate debt or improve credit. They very typically will turn away self employed customers, difficult credit consumers and they will commonly take days and even weeks to let you know if your mortgage is approved.

At Novik Financial, you’ll get personal service “after banking hours”. Our available mortgage products for self employed consumers are easy to obtain, credit issues will be addressed and rectified and you’ll get your approval notification within 24 hours of applying.

Get pre-approved in 24hrs and get 120 days rate hold!


Rates Effective as of:January 31, 2018
Prime Rate 3.00%
10 Year Fixed 3.69%
7 Year Fixed 3.79%
5 Year Fixed 3.39%
4 Year Fixed Regular 2.49%
3 Year Fixed Regular 2.59%
2 Year Fixed Regular 3.39%
Variable 2.6%

*Rates are subject to change without notice
Apply for your mortgage. Click here

Our Specializations

  • 1st, 2nd and 3rd Mortgages
  • Pre-approvals
  • Debt consolidation
  • Debt settlement
  • Renovations
  • Renewals
  • Refinancing
  • Home equity line of credit
  • Self-employed with stated income
  • Bank declines
  • Equity take out
  • And so much more!

Centum Mortgage Professionals Corp. Lic#10266

J.J. Maxwell
Novik Financial was the most responsive brokerage I have ever dealt with. Phone calls were returned quickly and I never had to wait long for an answer. I never felt as if I was imposing when I had an urgent need or question. Thanks Novik Financial!
J.J. Maxwell President, Property Investors Co.