Mortgage Services
Whatever your homeownership goals, I have the expertise and lender access to make them happen.
First-Time Home Buyers
Your first home purchase is exciting — and can feel overwhelming. I guide you through every step with patience and expertise.
- Help accessing the First-Time Home Buyer Incentive
- Explanation of the Home Buyers' Plan (RRSP withdrawal)
- Down payment strategy and gift letter guidance
- First-Time Home Buyer Tax Credit optimization
- Pre-approval to strengthen your offers
- Step-by-step guidance from start to keys
Refinancing
Unlock your home equity, consolidate debt, or access better terms. Strategic refinancing can save you thousands.
- Home equity access for renovations or investments
- Debt consolidation to simplify payments
- Rate-and-term refinancing opportunities
- Break-even analysis on penalties vs. savings
- Cash-out refinancing strategies
- Investment property refinancing
Mortgage Renewal
Don't just sign what your bank sends. Let me shop the market to ensure you're getting the best renewal terms.
- Rate comparison across 50+ lenders
- No-cost switch to better lender if available
- Early renewal options (up to 120 days)
- Term length strategy based on rate outlook
- Blend-and-extend options analysis
- Negotiation with current lender
Investment Properties
Build wealth through real estate. I help investors navigate the unique requirements of rental property financing.
- Rental income qualification strategies
- Multi-unit property financing (up to 4 units)
- HELOC for down payment on investment properties
- Portfolio lending for experienced investors
- Short-term rental (Airbnb) financing options
- Commercial property introductions
Self-Employed & Business Owners
Traditional lenders often struggle with non-traditional income. I specialize in solutions for entrepreneurs.
- Stated income programs for qualified borrowers
- Business-for-self (BFS) lending options
- Tax optimization strategies that don't hurt approval
- Alternative documentation programs
- Bank statement lending options
- Asset-based qualification strategies
New to Canada
Building credit in a new country takes time. Special programs exist to help newcomers achieve homeownership faster.
- New-to-Canada programs with reduced requirements
- Work permit and PR-based qualification
- International credit history consideration
- Down payment flexibility programs
- Co-signer and guarantor options
- Connection to settlement services
How It Works
A simple, transparent process designed to reduce stress and get you the best outcome.
Discovery Call
We discuss your goals, timeline, and current situation. No obligation — just a conversation to understand how I can help.
Pre-Approval
I gather your documents, run the numbers, and secure a pre-approval. This strengthens your position when making offers.
Shop the Market
I compare options from 50+ lenders to find your best rate and terms. You see the options; you make the choice.
Close the Deal
I coordinate with your lawyer, realtor, and the lender to ensure a smooth closing. You focus on moving in.
Bank vs. Mortgage Agent Level 2
Understanding the difference can save you thousands.
Going to the Bank
- ✗Limited to that bank's products only
- ✗Employee incentivized to sell bank products
- ✗Standard 9-5 hours
- ✗May not disclose all costs upfront
- ✗Less flexibility on unique situations
Working With Me
- Access to 50+ lenders, including banks
- I work for YOU, not the lender
- Available evenings & weekends
- Full transparency on rates and costs
- Creative solutions for complex situations
Ready to Explore Your Options?
Get a free, no-pressure consultation. I'll review your situation and show you what's possible.