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A home loan Pre-Approval is a significant advance in the home purchasing cycle and we can take help you with this process. I can assist with your financial strategy, your mortgage amount, Deposit amount, and purchase price and give you a general thought of what you can reasonably afford.

I will guide you through the documentation (income confirmation, down payment confirmation, etc.) process, what you will need to supply upon conditional approval. Any conditions should be met for your home loan to be completely approved. Pre-Approvals are dependent upon you maintaining great credit and are generally consistent for 60, 90 or 120 days depending upon the Lender.

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.

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!

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.

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.

Use your home equity to reduce your credit card 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.

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!

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.

A range of financing options to meet your home improvement needs
Whether you're planning a major home renovation or a small project, I 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.

I 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.

I 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 I can quickly assess your situation and decide on the best way to move forward. The worst you can do is do nothing.

You would use a private mortgage under any of the following circumstances:

You want to purchase an unconventional property that a prime lender or bank won’t finance.
You need fast financing and don’t want to wait for a long approval process.
Your bad credit history means you are being turned down by conventional lenders.
You only need a short term loan.
You have non-confirmable income that is preventing you from obtaining a traditional mortgage.