Our Rates

Find out how much you can afford for your home purchase

A mortgage pre-approval is an important step in the home buying process and we can help you out. We can help with your financial strategy, your mortgage amount, down payment amount, purchase price and give you an overall idea of what you can realistically afford.

we will advise you about the documentation (income confirmation, down payment confirmation, etc.) you'll need to supply upon conditional approval of your mortgage. Any conditions must be met for your mortgage to be fully approved. Pre-approvals are subject to your continued good credit and are usually good for 60, 90 or 120 days depending on the lender.

Thinking about buying your first property?

Tired of passing your hard earned rent over to your landlord? Maybe you've built up some savings and have a downpayment for your own property. No matter what your situation is, we 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. We are here to help you beat the banks ... Give us a call today.

Make sure you get pre approved first and lock in your rate!

Each mortgage application is different and we will help you figure out the numbers so you can stay focused on shopping for properties within your approved price range. You and your real estate agent will know exactly how much you can comfortably afford along with the assurance of a locked in rate - all at no cost to you.

Whether upgrading, moving out, or expanding your real estate portfolio, buying your next home is exciting and fast-paced. It’s crucial to secure the best rate and mortgage strategy to maximize savings.

No matter how simple or complex your situation, we ensure everything is handled quickly, professionally, and on time.

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 me 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 are considering 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. We 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.

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!

A range of financing options to meet your home improvement needs

Whether you're planning a major home renovation or a small project, we offer financing options to help meet all your home improvement needs. 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 full details and a FAST mortgage pre-approval!

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.

we can help you take advantage of real estate opportunities and unique mortgage options if you're looking to seriously build your portfolio. Give me a call and let's see what we can do for you.

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 full details and a FAST mortgage pre-approval!

Mortgages for People New to Canada

With newcomers to Canada playing an ever increasing role in Canada's future population growth, mortgage financing is available to borrowers with a permanent and non-permanent residence status with the goal of helping newcomers to Canada realize their dream of home ownership.

Most lenders have policies in place which can accommodate clients who have immigrated to Canada within the last 36 months and who are looking for an insured mortgage. CMHC offers financing that is available to borrowers with both permanent and non-permanent residence status; helping new comers realize their dream of home ownership in Canada.

We will help you find the best rates and best mortgage options to help you buy your home.

Having a bad credit rating doesn't mean you can't get mortgage financing

we see all kinds of credit ratings every day and there are strategies to help improve and even heal damaged credit. You may be surprised to know that you can still obtain a mortgage. Whether you've had a bankruptcy or your credit is only slightly bruised, you can still obtain financing.

we have access to non-traditional lenders who offer financing solutions to individuals who have some credit challenges that cannot be addressed by the major financial institutions. Together we can quickly assess your situation and decide on the best way to move forward. The worst you can do is do nothing.

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

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.

we 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.

We are here to help you beat the banks ... Give us a call today.

What is a CHIP Reverse Mortgage?

It's a financial solution designed for Senior Canadian homeowners

Unlike a traditional mortgage where you make payments to a bank or someone else, a reverse mortgage pays you. You can use the money in anyway you see fit and live your retirement comfortably knowing you don't need to leave your home.

The biggest benefit of the CHIP reverse mortgage is that you are not required to make regular payments for as long as you or your spouse lives in your home.