Home Purchase
Offering a variety of mortgage options, from financing the purchase of a new home with conventional, insured, or First Time Home Buyer programs. Available options designed to support different borrower needs and financial situations.
Income Property Financing
I help Canadian landlords turn debt into wealth with simple, advanced mortgage strategies. These CRA approved strategies help turn negative cash flow into long-term wealth. A clean cashflow is the foundation of tax efficiency and a smarter way to make your mortgage work for you.
FTHB Mortgage
Working with First Time Home Buyers is such a rewarding experience. From the first initial conversations, to providing a fully underwritten pre-approval all the way to the moment I find out that excited clients have the keys to their first home.
Business For Self-Employed Programs
Designed for self-employed individuals, offering flexible income verification alternatives including the use of business bank statements for income verification and offering a flexible alternative to traditional income documents.
Alternative “B” Lenders
Several great Alternative Lenders have stepped up great and competitive product offerings to cater to borrowers that don’t meet the “A” Lender criteria. These products offer borrowers extended debt-servicing ratios, up to 100% rental income offsets, and streamlined BFS bank statement approach using a percentage of gross revenue as net income.
Private Mortgage Exit to a better lender
As a FSRA-licensed Level 2 mortgage professional I help private mortgage borrowers navigate an effective exit strategy from a high interest private lender to an “A” or “B” lender. Nothing is more rewarding in this business than helping clients return to conventional, lower-cost financing.
Private and Second Mortgages
If for any reason you do not fit the criteria of the major banks or institutional lenders, a private lender may be the best and at times the only solution for challenged borrowers. With an ever growing amount of private lenders entering the market, I will present you with only the best private lender options available.
Business For Self Less Than 2 Years
I provide mortgages for self-employed borrowers who have recently started their own business in an industry that they have worked in previously.
Home Equity Line of Credit (HELOC)
By pairing up your mortgage with a Home Equity Line of Credit, I can help you cut years from your mortgage and free up monthly cash flow. I can show you how to refinance smarter and with this product you will have a credit facility available to you with readily available funds that you can use for almost anything. This type of Line of Credit is fully open for prepayment without penalty and can take many years off your mortgage if used properly.
Power of Sale Rescue
I understand how the power of sale process works and I have options that help stop the process and protect your equity. I can help borrowers take action before it’s too late and present refinancing options when traditional banks say ‘no.’ I help borrowers in this difficult situation with professional coordination and bring the right lawyers that can make a real difference.
Laneway Home/ Secondary Garden Suite Mortgage
I work with partner lenders that provide unique construction loans that allow homeowners to add a secondary suite to their residential property. This mortgage product allows homeowners to increase their home’s value, while enhancing their neighborhood and increasing access to housing in their community. Additional benefits include providing homeowners with additional income, while improving affordability of their own mortgage. Provide additional office, guest, or living space for a homeowners family, or use the space to downsize once children move out of their main property, without having to relocate.
CMHC Refinance to Add a Secondary Suite
CMHC Refinance allows homeowners to refinance their existing properties and create secondary suites. Borrowers access insured financing to fund the construction of self-contained secondary suites. This product is designed for project-related costs takeout allowing 100% recovery of initial invested equity capital. I help clients maximize their property’s potential while supporting gentle densification in the community.
Refinance
Provide borrower options to refinance existing mortgages to lower the interest rate, consolidate higher interest debts, provide best rate options, terms, or help access equity through cash-out of the equity you’ve built up with your home. Many choose this option to lower their interest rate. Even with penalties lying in the balance, it often pays to break your contract early if the numbers make sense to do so. The first step is knowing what those numbers are so we can compare and see which option is best for you.
Reverse Mortgage
I help Canadians aged 55 and over access up to 55% of their home value in tax-free cash while keeping the home they love and not needing to pay any monthly mortgage payments. A reverse mortgage can help boost retirement income, consolidate debt, pay for home renovations, pay for health care expenses, help provide a downpayment gift to a family member, or to help pay off debt while staying in your current home. Regardless of circumstance, I work with Canada’s top three most trusted federally regulated reverse mortgage lenders.
Commercial Mortgages
I help businesses secure commercial mortgages to develop or purchase land or buildings. Banks are starting to become more aggressive as new entrants cater to commercial borrower needs including; New Commercial construction, Income properties, Multi-residential properties, Low-rise, mid-rise or high-rise commercial, industrial or institutional edifices. I can secure Raw land financing or help businesses Refinance and Cash-Out to meet any urgent business expenses.
Power of Sale Rescue
I understand how the power of sale process works and I have options that help stop the process and protect your equity. I can help borrowers take action before it’s too late and present refinancing options when traditional banks say ‘no.’ I help borrowers in this difficult situation with professional coordination and bring the right lawyers that can make a real difference.
Laneway Home/ Secondary Garden Suite Mortgage
I work with partner lenders that provide unique construction loans that allow homeowners to add a secondary suite to their residential property. This mortgage product allows homeowners to increase their home’s value, while enhancing their neighborhood and increasing access to housing in their community. Additional benefits include providing homeowners with additional income, while improving affordability of their own mortgage. Provide additional office, guest, or living space for a homeowners family, or use the space to downsize once children move out of their main property, without having to relocate.
CMHC Refinance to Add a Secondary Suite
CMHC Refinance allows homeowners to refinance their existing properties and create secondary suites. Borrowers access insured financing to fund the construction of self-contained secondary suites. This product is designed for project-related costs takeout allowing 100% recovery of initial invested equity capital. I help clients maximize their property’s potential while supporting gentle densification in the community.