Services

I’m here to help you find your mortgage.

Every situation is different, and the mortgage that is right for someone else isn’t necessarily the mortgage that’s right for you.

I’m here to listen to your needs and to work with you to find your best mortgage solution.

Purchasing a Home?
Whether you are first-time buyer or an experienced buyer with excellent credit, I have access to the very best products and rates available across Ontario. Now, more than ever, financial institutions are regularly launching new products and programs, making it easier to get into that new home sooner. I’m here to help you get the best mortgage for you … give me a call today.
First-time Home Buyer?
Tired of passing your hard earned rent over to your landlord? Maybe you’ve built up some savings and have a down payment for your own property. No matter what your situation is, I help simplify the buying process and worry about all the financing details so you can get down to finding just the right property as fast as possible. I’m here to help you beat the banks … give me a call today.
Buying from a Builder?
Buying a home already under construction from a new home builder is an option for those who wish to buy a brand new house, but don’t want to go through the motions of planning and construction themselves. This is common when a new neighborhood or housing community is in the midst of being built. Closing the purchase of a new home may occur months, or even years, after signing the Agreement of Purchase and Sale, which impacts financing options. No matter how long it is until closing, I’m here to help you get the best mortgage for you … give me a call today.
Want to Refinance your Mortgage?
Use the money in your home to pay off high interest debts and be mortgage-free quicker!

Refinance up to 80% of your home’s value quickly and easily to pay off high-interest credit card debt that has caused your cash flow to slow to a trickle.  Worried about penalties? Don’t think it can make much difference? Think again.  By using your home equity to consolidate your debt, you can improve monthly cash flow, have one easy payment, and be mortgage-free quicker.

Call or email today for full details and a FAST mortgage pre-approval!

Want to Switch Mortgage Lenders? Mortgage up for Renewal?
Most homeowners stay with their existing mortgage lender because they believe it is too time consuming to get a better mortgage rate!

If your mortgage renewal is fast approaching, then now is a great time to look at the many excellent options and competitive rates available. Lenders send out renewal forms just prior to renewal dates to those with good payment histories, with about 70% of homeowners sending it back without asking any questions!  In today’s hectic world, that can be the easiest and best route, but you should ask yourself some questions before you sign on the dotted line. This is an important moment of opportunity.  This is where an independent mortgage professional like myself can help offer advice and options to help you get ahead!

Maybe your mortgage needs have changed. This is the time to decide. For example, you may want to consolidate high interest debt in with your mortgage or you may want to tap some of your home equity for a renovation project? Or maybe you reconsidering a cottage or vacation property. Are you confident you will get the best rate at renewal?

Having multiple lenders compete for your business is a great way to ensure you get the best rate for your situation. I deal with multiple lending institutions, including major banks, credit unions, trusts and other national and regional lenders, which means significant negotiating power behind finding the best mortgage to fit your specific situation.

Call or email today for full details and a FAST mortgage pre-approval!

Want to Consolidate Debt?
Are you held back by high-interest rate debt? Get debt-free sooner and immediately increase monthly cash-flow by consolidating all your debts into one lower interest rate!  Why pay high interest rates on your bank’s credit card debt when you can add that debt to your mortgage and pay a much lower interest rate!  One important part of a strategy is knowing “good debt” from “bad debt”. A well-planned mortgage can help you turn those bad debts into good debts and get them out of the way.

1. Consolidate high interest rate credit cards to one lower rate.
2. Save money and increase cash flow.
3. Reduce stress knowing that your financial situation is now manageable.

If you want to reduce your debt, contact me today to review your options and immediately start saving money.  It’s time to beat the banks and credit card companies!

Separating from your Spouse?
Getting separated is never easy. If you have a home with a mortgage, please allow me to help.

By working with a mortgage broker such as myself, I can help you navigate whatever scenario best applies to your situation all while coaching you on how to maintain a positive credit rating.

A traditional Refinance would limit the access to the equity in your property to 80% of its value (minus the mortgage). I have the ability to work with you and free up the equity to 95% of the value of your (minus the mortgage) all while maintain AAA rates.

I can only sympathize that this is a difficult period in your life. I have help several individuals in your exact situation get back on track.

Please contact me today so that we can discuss your current situation and explore all options to help you move on with you life.

Are you New to Canada?
Welcome to Canada!

Just because you are a new immigrant does not mean that you have to wait to purchase a home. If you have been in Canada for less than three years, have landed immigrant status, and have been employed in Canada for a minimum of three months, you can qualify for a mortgage.

Call or email today for the best rates, mortgage advice and a FAST mortgage pre-approval!

Self-Employed?
Low rates and excellent options for self-employed individuals looking to get mortgage financing.

When it comes to mortgages, it hasn’t always paid to be self-employed namely because reducing your taxable income can make it difficult to qualify for the mortgage you deserve.

I work with lenders that offer excellent mortgage options for self-employed Canadians. These lenders understand that self-employed individuals have tax write-offs creating significant reductions in their declared income. With these mortgage lenders, you will not be required to prove your income and a reasonable estimate of your annual income will be acceptable.

Call or email today for the best rates, mortgage advice and a FAST mortgage pre-approval!

Buying an Investment Property?
Build your long term wealth with real estate!

Investment properties, particularly smaller residential properties, are accessible to many average Canadians.  Real estate has been one of the most attractive investment categories in Canada for the past decade.

I can help you take advantage of real estate opportunities and unique mortgage options if you’re looking to seriously build your portfolio.

Call or email today for the best rates, mortgage advice and a FAST mortgage pre-approval!

Buying a Vacation Home or Cottage?
More Canadians than ever before are spending quality time in their own vacation property!

Build your net worth with a beautiful asset while providing you and your family the perfect spot to relax and unwind.  Cottages and other vacation properties are providing family memories for many average Canadians, who are taking advantage of low rates and innovative new mortgage products that put these getaway homes within reach!

Call or email today for the best rates, mortgage advice and a FAST mortgage pre-approval!

Want to Renovate?
Bring your home to that next level of comfort!

Maybe it just needs some new landscaping, an extra wing for your growing family, an expanded kitchen, or a swimming pool in the backyard. A record number of Canadians have tapped into their home equity for improvement projects.  There’s never been a better time to access the extra funds that can help bring your home to that next level of comfort. Consider accessing the cash you need for the renovations and improvements you’ve been dreaming about.

Call or email today for the best rates, mortgage advice and a FAST mortgage pre-approval!