Services

Tailored Mortgage Solutions to Meet Your Unique Needs

Mortgages are not always a one-size-fits-all solution. I negotiate the absolute best rates and options with access to more than 50 lenders.

Along the way I simplify the mortgage process by communicating with you, your closing lawyer, realtor, and lender while updating you every step of the way.

After funding the absolute best rate and mortgage option for you, you will be in The Mortgage Trail CRM and will receive a mortgage renewal reminder well in advance of your renewal date providing enough time to position you to again renew into the very best mortgage available for you.

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.

Contract Worker Mortgages

These days we see more and more people going from being salaried income jobs holders to contract work income in the same industry or field where they have experience and work history in. Lenders usually require a 2-year history of consistent income. If this is the case I can pair you with a mortgage lender that considers cases where we can demonstrate recurring contract renewals. We can make the case showing stability of income shown on tax returns rather than just the current contract.

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.

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.

Debt Consolidation

Roll high-interest credit card balances and lines of credit into one fixed payment- often at lower blended rates with predictable amortization.

Internal Refinances

With some lenders I can blend your existing mortgage into a lower rate or extended term (where eligible) to reduce monthly obligations without increasing overall risk. This flexible debt management lending solution strategy helps borrowers regain financial control.

Contract Worker Mortgages

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.

93% of Canadians want to age in place, in the home they love. A Reverse Mortgage allows you to stay in the home you love and access the equity you have built up in your home to live retirement your way.

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. If you’re a self-employed professional, contractor, or realtor, you know how it can be a nightmare to deal with come mortgage time. Your accountant does their job (minimize taxes), and your bank punishes you for it. For over 15 years I specialized in getting business for self clients approved when banks say no.

Business For Self Less Than 2 Years

Business for self clients don’t always fit into thorough lending underwriting standards. But there are a lot of lenders out there that offer cash flow underwriting product solutions that capture a businesses Net Cash Flow.

A Net Cash Flow statement shows all money moving in and out of a business. Deposits equal a businesses revenue and business expenses will be shown in business bank account debits. A positive net cash flow indicates more money coming in than going out and more importantly positive cash flow can be used as income that allows a business owner to qualify for a loan. Of late, many lenders have introduced lending products to help fund business owner needs.

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.

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 cash flow is the foundation of tax efficiency and a smarter way to make your mortgage work for you.

Debt Consolidation

Roll high-interest credit card balances and lines of credit into one fixed payment- often at lower blended rates with predictable amortization.

Mortgage Renewal

Understanding Your Mortgage Renewal Options Whether you’re renewing for the first time, or have renewed before, I’m here to help you choose the right mortgage options for your needs and goals. It pays to get ahead of your mortgage renewal and begin your renewal strategy early so that you can get ahead of any renewal risks, such as credit challenges, high credit card balances, or new lines of credit that may have been added to your debt obligations. I provide tailored options for upcoming renewals ensuring you obtain the best rate and term available at the time of your mortgage renewal.

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.

Niche 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 neighbourhood 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.

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.

Mortgages Within A Holding Company

I help experienced investors obtain a mortgage in a holding company. This is ideal for those who don’t want to have multiple mortgages in their personal name and on their credit report, allowing them to increase their real estate portfolios.

Mortgage Rate Type Optimization

I help borrowers by presenting them with fixed and adjustable-rate options tailored to their unique needs.

Co-borrower and Guarantor Mortgage Options

I help clients that have thin or bruised credit with solutions that allow them to secure mortgage financing.

Frontline Worker Mortgage Program

If you are a Frontline Worker I can help qualify you with a rate discount and a Cashback mortgage offer. Available to frontline workers including Paramedics, Police Officer, Registered Nurse, Registered Practical Nurse, Registered Physician, Teacher, Teachers Aide, Professor, Principal, Firefighter, and many more.