A juxtaposition of an older, brick office building with a large advertisement for business space, and a modern, sleek glass skyscraper in the background. The older building features multiple windows and a vintage sign promoting Adams & Co. Real Estate at 411 5th Ave.
A juxtaposition of an older, brick office building with a large advertisement for business space, and a modern, sleek glass skyscraper in the background. The older building features multiple windows and a vintage sign promoting Adams & Co. Real Estate at 411 5th Ave.
First time Home Buyer Mortgage

Special programs and guidance for first-time buyers in Nova Scotia, including down payment assistance.

  • 5% Down Payment Options

  • First-Time Buyer Programs

  • RRSP Home Buyers Plan

A large, modern building with a prominent red logo of a financial institution on its façade. The building has a geometric and industrial design, surrounded by other urban structures. A rooftop with various equipment and antennas can be seen, along with a cityscape in the background.
A large, modern building with a prominent red logo of a financial institution on its façade. The building has a geometric and industrial design, surrounded by other urban structures. A rooftop with various equipment and antennas can be seen, along with a cityscape in the background.
A large, concrete building with an imposing architectural style features a prominent sign for Banco Hipotecario. The frontage displays vertical columns and large glass windows. Pedestrians and vehicles, including a white van and several cars, are visible on the street.
A large, concrete building with an imposing architectural style features a prominent sign for Banco Hipotecario. The frontage displays vertical columns and large glass windows. Pedestrians and vehicles, including a white van and several cars, are visible on the street.
Investment Property Mortgage

Financing solutions for rental properties and real estate investments across Nova Scotia.

  • Rental Property Loans

  • Multi-Unit Financing

  • Commercial Mortgages

Multi-Unit Mortgage

Secure financing for duplexes, triplexes, apartment buildings, and other multi-residential properties with competitive rates and tailored terms to fit your investment goals.

  • Financing for 2–4 unit properties

  • Customized solutions for larger apartment buildings

  • Competitive rates for investors and owner-occupiers

A wide street scene at night features a distinctive round building with multiple stories labeled in Arabic and English as 'Real Estate Bank.' On the left, there's a tall, open-structured stone tower. Streetlights illuminate the area, casting a soft glow. Trees line the sidewalk, and a few modern buildings are visible in the background under the clear deep blue sky.
A wide street scene at night features a distinctive round building with multiple stories labeled in Arabic and English as 'Real Estate Bank.' On the left, there's a tall, open-structured stone tower. Streetlights illuminate the area, casting a soft glow. Trees line the sidewalk, and a few modern buildings are visible in the background under the clear deep blue sky.
Commercial Mortgage Solutions

Special financing options and guidance for commercial property buyers in Nova Scotia, including flexible terms and tailored solutions.

  • Low Down Payment Options

  • Solutions for retail, office, industrial, and mixed-use properties.

  • Equity Take-Out for Business Growth

Refinancing Options

Lower your payments or access equity with competitive refinancing options.

  • Rate Reduction

  • Debt Consolidation

  • Home Equity Access

Equity Takeout Services

Unlock the value in your property with tailored equity take-out solutions for your needs.

  • Equity Take-Out for Business Expansion

  • Equity Take-Out for Debt Consolidation

  • Equity Take-Out for New Commercial Investments

What types of mortgages does Pahul specialize in?
Pahul offers a comprehensive range of mortgage solutions, including First-Time Home Buyer Mortgages, Investment House Mortgages, Multi Unit Mortgages, Commercial Mortgages, Refinancing, and Equity Takeout options.

Q: What makes Pahul a good choice for my mortgage needs?
Pahul is an expert in the Nova Scotia market, providing personalized solutions that are tailored to your unique financial situation. The process is designed to be fast, efficient, and stress-free.

Q: Is there a special program for first-time home buyers?
Yes, first-time home buyers can take advantage of special programs, including a 5% down payment option and guidance on using the RRSP Home Buyers Plan.

Q: What is the typical mortgage rate I can expect?
Pahul offers a starting rate of 3%, but final rates will depend on your individual circumstances and the specific mortgage product.

Q: How long does the approval process take?
Quick approvals can be completed in as little as 24 hours. The overall timeline for a full application will be discussed during your consultation.

Q: Can Pahul help me if I want to purchase an investment property?
Absolutely. Pahul is experienced in securing mortgages for investment properties, including single rental homes and multi-unit buildings like duplexes and apartments.

Q: What is the difference between refinancing and an equity takeout?
Refinancing is a process to get a new mortgage with better terms, often to lower your monthly payments. An equity takeout allows you to access the equity you've built up in your home for other purposes, such as debt consolidation or business expansion.

Q: How can I get in touch with Pahul?
You can reach Pahul directly by phone at (902) 789-9399, or by email at pahul@HarbourTownGroup.ca. There is also a contact form on the website for your convenience.

Q: Where is Pahul's office located?
The office is located at 1741 Lower Water St Suite 200, Halifax, NS B3J 0J2.

Q: How can I get the latest updates on mortgage news?
You can subscribe to Pahul's updates through the website to receive timely information and news about the mortgage market.

Frequently Asked Questions