First-Time Buyer
Are you a first-time buyer? The property you are about to purchase is probably the largest single purchase, and biggest investment decision, you will ever make. Let me help you through the task of different lender options, mortgage documentation, and terminology you are dealing with as you go through this process. 

I will provide a mortgage pre-approval, which helps determine what you can afford and strengthens your position when negotiating the purchase price of your home. Call or apply online now,  to get started

Would you like to know what you can afford? Use my Home Budget Calculator to do that.

With electronic access to over 50 lenders we will ensure that you receive the best rate and product of your choice. 

Repeat Buyer
As a repeat buyer, you need to know what your options are. With a changing mortgage marketplace, you need to be kept up to date so that you can make a decision that is tailored to your current situation with the flexibility that you require. 

New Immigrant?
As long as you have a valid work visa or confirmation of application for Permanent Residency, full-time employment, credit references from your home country and down payment from your own resources, you may qualify for home ownership sooner than you think. 

Self-Employed?
I can get you a mortgage that suits your needs in most situations, at a competitive rate. 

Below is a list of the most common non-traditional mortgage situations.  Please note that not all situations are listed and each would be looked at on a case-by-case basis to fit with the appropriate lender. 
 

Employment - Self-employed	- Recent job start/change - Work experience outside Canada	- Lack of work history - Part-time
Income	- Income - Non-verifiable - Salary + commission - Seasonal	- Commission - Salary + OT and/or bonus
Credit	- Spotty/bad credit - No credit	- Good, but a lot of credit - Previously bankrupt
Property	- Rental - Construction - Cottages/vacation homes - Multiplex - Investment	- Rural/acreage - Mobile homes
Status	- Non-resident	- New immigrant

If you fall into one of the categories above, or if you have a different situation, let me help determine what your best options are. 
For self-employed workers you will have to provide 2-3 years of Revenue Canada Notice of Assessment.

Vacation Properties
Whether your preference is a lakeside cabin or a resort condominium I can help with the necessary financing plan to meet your needs. 

The process involves an interview to establish the type of property you are looking to buy, what your financial obligations are currently and sending you off to purchase with a clear picture of what you're able to afford.