Mortgages
Every kind of mortgage, one trusted guide.
From your first purchase to rental properties and everything in between. Pick what fits your situation, or just call and we'll figure it out together.
Home purchase
Shopping for a home is much less stressful when your financing plan is in place. I'll get you pre-approved, hold your rate, and help you move quickly when you find the right home, so you can buy with confidence.
- Rate holds of up to 120 days
- Fixed, variable and hybrid options compared
- A clear breakdown of monthly costs
First-time buyers
Purchasing your first home should feel exciting, not overwhelming. We'll review how much you can afford, how much down payment you need, and the mortgage programs that can help.
- FHSA and RRSP Home Buyers' Plan guidance
- 30-year amortizations for eligible first-time buyers
- A personalized document checklist
Mortgage renewals
Your lender's renewal letter isn't always their best offer. Prior to your maturity date, I'll review the market and either negotiate a better deal or help you switch.
- Market-wide rate comparison
- Switching lenders is often simpler than people expect
- A chance to adjust your amortization or payments
Refinancing
The equity in your home can consolidate high-interest debt, fund a renovation or free up monthly cash flow. I'll lay out the numbers side by side so the decision is clear.
- Borrow up to 80% of your home's value
- Home equity lines of credit (HELOC)
- Penalty and break-even calculations
Self-employed
Smart tax planning can make your income look lower on paper than it really is. We have lenders that look beyond the tax return, and I'll help you show what your business really earns.
- Business-for-self and bank-statement programs
- Incorporated, sole-proprietor and contract income
- Help presenting your income clearly to lenders
New to Canada
A short Canadian credit history doesn't have to keep you renting. Newcomer programs can help you buy sooner, and I'll guide you through the paperwork along the way.
- Programs for permanent residents and work-permit holders
- International income and credit considered
- Tips for building your Canadian credit
Investment & rental properties
Whether it's your first rental, a multi-unit or a property in another province, I'll structure your financing to protect your cash flow and leave room for the next one.
- Rental income counted toward qualifying
- Lenders who specialize in portfolios and multi-units
- Properties anywhere in Canada
Alternative & private lending
Not every situation fits a bank's rules, and that's okay. Alternative and private lenders can offer flexible solutions, and I'll help you find the right fit and plan your next step.
- Private and alternative options explained in plain language
- A credit-rebuilding plan
- Confidential and judgment-free
Ready when you are.
Whether you're buying next month or next year, I'm happy to talk it through. There's no pressure and no obligation.
or call 403.660.6048, anytime