Whether you're buying your first home, renewing or refinancing, I'll compare your options with multiple lenders and walk you through every step in plain language.
Every situation is different. Here are some of the ways I help families every day.
From your first pre-approval to getting the keys, I'll show you what you can afford and what lenders need.
Don't just sign the bank's renewal letter. Let's compare your options before your term ends.
Use your home's equity for renovations, a big purchase or other goals.
Combine credit cards, loans and lines of credit into one manageable payment using your home equity.
Read the guide →New to Canada? There are mortgage options designed for you, even with a short credit history.
Income that doesn't fit the standard box? Let's find a lender that understands it.
Instead of juggling credit cards, loans and lines of credit, each with its own rate and due date, you may be able to combine them into one manageable payment using the equity in your home.
Every situation is different. Private lending has higher rates and fees, which I'll explain in writing before you decide.
Get a quick estimate of your payment, how much home you could afford, or what your renewal could look like.
Estimates only, not a mortgage approval. Actual rates and payments depend on your application and lender approval. Default insurance premiums are estimated using standard rates; provincial sales tax on the premium is not included.
You'll always know what's happening and what comes next.
We talk about your goals, and I send you your document checklist.
With your consent, I review your credit and prepare your file.
Shop with confidence, knowing your budget.
Once you have an accepted offer, I submit your application.
I follow up on every condition until your mortgage funds.
I'll check in well before your term ends.
Know exactly which documents to prepare before your pre-approval. Having them ready makes the process faster and smoother.
Identity verification is completed securely online.
In Canada, the minimum is 5% of the first $500,000 of the purchase price and 10% of the portion between $500,000 and $1.5 million. Homes of $1.5 million or more need at least 20% down. With less than 20% down, your mortgage needs default insurance, which is added to your mortgage.
Most lenders hold your pre-approved rate for 90 to 120 days. If you have not found a home by then, we can simply update it.
Yes. Several lenders have programs for permanent residents and some work permit holders, even with a short Canadian credit history. Your down payment and documents may differ, so let's talk about your situation.
About four to six months before your term ends. Many lenders let you secure a rate up to 120 days ahead, which gives us time to compare options instead of just signing the renewal letter.
For most residential mortgages, no. The lender pays the broker when your mortgage funds. If a fee ever applies, for example with some private or alternative lenders, I'll tell you upfront, in writing, before you decide.
Yes. Lenders usually look at your last two years of tax returns and Notices of Assessment, and some have programs for stated or newer business income. I'll help you find the right fit.
Start your application online, or book a free 20-minute consultation and we'll go through your options together.
Tell us where to send it and we'll email it to you right away.