Offering Canadian homeowners a variety of mortgage options
First Time Home Buyers
You’ve been renting, saving, dreaming, and planning for a long time. Now you are ready to buy. Can I get pre-approved? How much do I need for a down payment? Getting into a Canadian mortgage can leave you with a lot of questions, but I am here to help guide you through the mortgage landscape.
I take time to explain everything right to the final stages in the lawyer’s office. I continue to provide no-nonsense answers throughout the process. You will be an experienced and knowledgeable first-time homebuyer once we finish. This approach will put you at ease, confident in your investment.
Separation or Divorce Mortgages
Life doesn’t always go the way we plan. How we handle the bumps is so important. This is especially true when it comes to separation and divorce. It is crucial to have professional help to structure a spousal buyout or a split of real estate assets.
I have helped many couples through this process over the last 17 years. People in these situations want a quick and pain-free solution. I can do this because I know what the lenders and national regulatory guidelines require. I can guide you through the process of setting up a divorce mortgage, step by step.
New to Canada Mortgages
Newcomers to Canada may find it difficult to buy a home. If you have immigrated to Canada, there are mortgage programs that can help you purchase a home. Finding and qualifying for the right program isn’t easy. It is best to get professional help. I have extensive experience helping new Canadians get a mortgage.
New Construction Mortgages
It’s exciting to design your dream home. It’s also a lot of work! Let me take the stress out of the mortgage process. We can connect you with a construction mortgage that suits your needs and the requirements of your home builder. I have helped many clients (including myself) with construction mortgages.
I have also set up builders mortgages to fund projects for contractors until the home is sold.
Self Employed Mortgages
Anyone who has ever owned a small business and tried to get into a mortgage in Canada, knows that it’s difficult. The good news is that there are mortgage solutions for the self-employed. I have access to lenders and programs that work well. Each situation is different so please contact me for details.
Having real estate in your investment portfolio is a great way to diversify. Many lenders are putting restrictions on the number of homes you can finance with them. This is not a big deal since I have access to many lenders who do investment property lending. I can help you secure and organize your mortgages.
Purchase Plus Improvement Mortgages
You love the lot, you love the neighbourhood, you like the home… somewhat. If only it had another bathroom in the basement or a garage in the backyard. I hear this all the time. You could use a Purchase Plus Improvement mortgage. You can buy a home that might not “tick all the boxes” and get renovations put into the mortgage. I can even get you a list of trustworthy contractors to help with the renovations.
Frequently asked questions
Is my information kept confidential?
Everything we talk about is confidential. The only time I share information is when we fill out a mortgage application. Only the lender will see this.
Will there be multiple credit inquiries?
Generally, I will only check your credit once. Most lenders will use the information I find and not do their own search.
What if I don’t get approved?
If we can’t get it done today, we can look through other types of mortgages. I will devise a plan to get us where we need to be.
How much does it cost to work with a broker?
For 99% of the deals, there are no fees at all. Some “Alternative Lenders” charge a fee but this isn’t normal.