Mortgage pre-approval

Find out how much you can afford before you go house hunting! This will keep you focused on shopping for homes within your price range.

Why get pre-approved for a mortgage?
Find house-hunting easier with the advantages of mortgage pre-approval:
 
You can take advantage of low mortgage rates by locking it in against increases through pre-approval.

First Time Home Buyer

Purchasing your first home is an exciting time! You're about to take one of the biggest steps of your life, and I am here to provide you with advice as a qualified and experienced mortgage professional.  You can take comfort in knowing that I will provide you with all the necessary information, advice and assistance you will need. With access to over a hundred different lenders, I will find the best rate and best mortgage product for your individual situation.
 
With mortgage rates at historic lows there’s never been a better time to buy.
 
SIMPLY, fill in this online form with your details and click submit, and I will get back to you with a mortgage product that best suits your needs.

 
Buying a Second Home

There are many reasons why consumers choose to purchase a second home; an investment property, a vacation home, or a place for children to live while they study away from their home town are just a few of the reasons.
With mortgages interest rates at a historic low, there has never been better time to purchase a second home.

However, buying a second home can difficult and tricky due to lending criteria for a 2
nd mortgage. 
As professional and seasoned Mortgage Agent, I will assist you to find the right mortgage product and make the entire process as smooth and worry-free as possible.

Don’t wait, call today, and shortly you will be enjoying quality time with family and friends in your vacation home.
 

Mortgage Renewal

Mortgage renewal is a moment of opportunity. You may want to get a better rate, more suitable terms, extend your mortgage in order to decrease monthly payments or you may find your mortgage needs have changed.

Perhaps this is the right time for a renovation, or maybe you’re considering a cottage or vacation property, or you would like to make some extra income through an investment property. If paying less interest on your other obligations make positive impact in your budget, call me today to discuss.

If your mortgage is up for renewal, fill the following simple online form and we will sit down and discuss changes in your financial situation and review some approaches that could help you to achieve your financial goals.

 
Mortgage Refinancing

There are many reasons why you might be thinking of refinancing your mortgage.
 
With interest rates being at the historical low, there has never been a better time to refinance your mortgage. This can significantly save you money and increase your monthly cash flow.
 
You may want to refinance your existing mortgage and purchase an investment whether it is stocks, bonds, investment property or new business opportunity.
 
The interest rates on a variable rate mortgage might be low initially, but the fluctuations are unpredictable. Some people find these constant variations in the interest rate concerning and prefer to refinance the mortgage into a secure fixed rate.
 
You may want to refinance your mortgage and pay off credit card bills and other high interest obligations. This will allow you to save a considerable amount of money and free up your cash flow.
 
Whether you always dreamt of taking a dream vacation, buying new car, renovating your house or sending kids to university or college, mortgage refinancing can make those dreams come true.
 
The decision to refinance your property should be carefully evaluated to avoid any complications at a later stage. By carefully studying the status of your current mortgage terms and evaluating your current financial situation, I will help you to find the refinance solution that suits your unique needs and requirements.


Private mortgage

There are many reasons why Canadians can be seeking for private mortgage.
You may want to borrow money to remodel your house, start up new business or maybe you have a medical situation that requires some money to help with hospital bills. Perhaps you decide to go back to school or your child may want to get an education at university or college.

Whether you have less than perfect credit, a reduced income, or a life event that has impacted your current financial situation, a private mortgage may be an option for you.

I work with over 200 private lenders.Let’s sit down and look into financing options that may suit you best.

 
Debt Consolidation

Are you stressed and struggling to keep up with all of your debt payments? Would you like to pay less of interest on your credit obligations? Would you rather be paying one monthly payment to one institution instead of paying multiple payments to various banks?

High interest debt on credit cards, auto loans, or other consumer loans can be difficult to pay off and may create a significant barrier to your financial goals.

Today more and more Canadians are taking advantage of consolidating their debts. A debt consolidation loan allows you to borrow against the equity in your property to reduce or repay your credit card or other debts.

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! Turn bad debts into good debts and get them out of the way.

Call me today to review your options. It's time to make a step towards your financial freedom!

 
Self- Employed

Entrepreneurship should be rewarded.  But when it comes to mortgages, it hasn't always paid to be self-employed.  This is especially true, if your business is less than 2 years old. Many lending institutions impose stricter qualifying criteria on entrepreneurs because they may not have the stable income of a salaried employee.

Many do not understand the creative accounting procedures used by many entrepreneurs. I understand business owners because I am business owner myself.

I work with extensive list of institutional and private lenders who understands the specific of self-employed industry and offer excellent mortgage options for self-employed Canadians. You may not be requested to prove your income through tax returns and financial statements. A reasonable estimate of your annual income may be sufficient to qualify.
 
Let the Lenders compete for your business. Don’t wait, call today


New to Canada
Welcome to Canada!

Welcome to a new life, new opportunities new discoveries!

You've made Canada your new home and now you are in the process of searching for a house for you and/or your family. Looking for a home can be a very exciting experience but it can also be stressful and challenging. I will provide you with a strategy that will simplify the process.

Regardless of what country you’re coming to Canada from, I have a variety of cost-efficient financial solutions to help newcomers settle into Canada as quickly as possible.

Just fill in a simple form and let me make your home-ownership dreams come true.

 
Home Equity Line Of Credit

Use the equity in your home to get a secured line of credit today! With NO use restrictions, NO expiry date, and NO maximum limit on repayment, this may be a suitable option for you.

HELOC (Home Equity Line Of Credit) is easy to access and can used for just about anything. It is fully open for prepayment without penalty and can be used for home renovations, investments, a vacation, a child's education, or debt consolidation.

You can borrow as much as you need, up to your available credit limit, and for first 5 or 10 years you may qualify to pay only the interest.

Don’t wait to have HELOC, with changes in our lives on a daily basis you never know when you will need access to funds. Secure yourself today with a Home Equity Line.

 
Commercial Mortgages

Commercial financing is completely different and much more complex than residential lending. Commercial mortgages are subject to different laws and regulations. Having higher risk factors involved, the lenders tend to be extremely picky and careful when it comes to commercial financing. Every application for commercial financing is unique and being considered on case-to-case basis. There are no set rules or standard documentation package. The requirements for qualifying are extensive, and often can be overwhelming.

Commercial financing requires longer and more serious preparation from the applicants, involving preparing and providing financial statements, business plans, personal tax returns, applicant’s biography and experience in the industry, appraisals, environmental reports and this is only basic list of documents that can be required by the lender.

Commercial mortgages are much lengthy. Unlike a residential loan which can take a few days, commercial mortgage can take several months in some cases.

Working with an experienced mortgage professional in financing your commercial property purchase is crucial. Having an expert guide you through the complexities of applying for a commercial mortgage can save you a lot of stress and time, making application process smooth and efficient.  

Let me shop for best mortgage solution for you and guide you through application process. I have strong relationship with multiple major banks and mortgage specialist-only lenders, what allows me to provide you with the best rate and choice for your unique situation.

Commercial Lenders want a deal that is properly structured and organized in order to provide financing. I will structure and organize your deal so that it will present well to Lenders, which will minimize objections lenders may have in financing your commercial investment.

Don’t wait, call now, and I will assist you with all your commercial financing needs.