What products do I offer?
Let me save you time by finding the right mortgage solution
Whether it’s a variable rate mortgage, a fixed term mortgage, an open or closed term mortgage, insured by CMHC, Genworth or Canada Guaranty, or even a second mortgage, I will help find the mortgage that will fit your budget and save you money.
To find the right home financing solution, please contact me
First Time Home Buyer mortgages
Buying your first time is an exciting and anxious time. Let me walk you through the home financing process. With as little as 5% down payment, I can help you secure a mortgage that fits your budget.
Do you report minimal income and have excellent repayment credit history? Do you have only 10% down payment to buy a home or looking to refinance up to 80% of the property value? Let me save you time by reviewing your documents first.
New to Canada, Temporary or Non-Resident mortgages
Perhaps you’re new to Canada with a landed immigrant status, did you know you may qualify to buy a home with as little as 5% down payment? Or maybe your international company has recently relocated you to work in Canada for a specific period of time, did you know home financing is available with just 10% down payment? Or are you a non-resident and looking into the possibility of buying a Canadian property? I can help you with any of these scenarios.
Before you sign that renewal statement, let’s discuss your mortgage options. There may have been some life changes since your last term. We can review your new or current financial goals and how they fit your mortgage needs.
Construction financing or renovation mortgages
Do you have land and want to build that custom home? Or maybe your family is growing and you need to finance the construction of an addition or renovation. Let’s talk about how you can finance the construction of your dream home or renovation.
Purchase Plus improvement mortgages
So you have purchased your new home… Congratulations! But it needs a new kitchen or bathroom. Did you know you can finance the renovations into the purchase of a new home? A purchase plus improvement mortgage may be right for you.
Debt Consolidation mortgages
Are you only making minimum monthly payments or perhaps falling behind on your credit card payments? If you own a home, you can refinance your mortgage and use the equity in your home to consolidate credit cards, loans or unsecured line of credits. By consolidating your debts into one mortgage, this will help lower your payments, and make debt more manageable. Let’s review your debt obligations together.
Alternative A or B lending mortgages
These mortgages help clients who don’t’ fit into traditional lending guidelines perhaps due to income or credit issues. Perhaps you have bruised credit due to extenuating circumstances, bankruptcy or consumer proposal? These mortgage products are for you.
Mortgages for or rental or investment properties
Looking to buy your first investment property? Multiple investment properties? Looking to maximize your tax deductions? Is your bank afraid to lend you money for an additional rental property? If so, let’s talk and get approved on your investment properties.
Mortgages for commerical properties
Are you looking for finance solutions for the purchase of an apartment building? How about an industrial or retail plaza? Let’s not forget those office buildings and store front units. I can help you secure the financing.
Mortgages for secondary homes & vacation properties
Are you looking to buy your first investment property? Or looking into multiple investment properties? Or maybe you’re looking to maximize your tax deductions? Is your bank afraid to lend you money for an additional rental property? If any of these apply to you, let’s talk and see how you can get approved on your investment properties.
Home Equity Line of Credit (HELOC)
Need funds to buy investments or down payment on a new property? Looking to renovate your basement? How about consolidating some of those higher interest credit cards or loans? With a home equity line of credit, you can advance funds at your convenience. It is a credit account that you can access funds at anytime, and payments are as little as interest only.
CHIP Reverse Mortgage
It’s a financing solution designed for senior Canadian homeowners where you can access up to 55% of the value of your home. One of the many advantages is that you maintain ownership of your home and never have to move or sell. If you are 55 yrs old or older, this product may fit your needs.