One application is all you need. This ensures a singular credit check inquiry is put through for your mortgage application. Designed to protect your credit score, that application can be viewed by all our lenders, minimizing the number of inquiries on your credit bureau.
My clients are able to access a variety of programs that differ from those of traditional lenders. I offer a number of mortgage solutions designed to assist clients that are:
I proudly extend a complimentary mortgage pre-approval to my clients. Obtaining a mortgage pre-approval is a quick and easy process, and will help identify critical elements to consider during your home search.
I will lock-in your interest rate for up to six months, allowing you to shop for a home without stress or pressure. If interest rates drop during your home shopping experience, I will ensure your lender honors the lower rate. A mortgage pre-approval helps to determine critical details pertaining to your home search, and helps to ensure you’re shopping within your financial capabilities.
It will highlight:
Purchasing your first home is an exciting experience, and I will happily assist you in navigating this new landscape. There are progressive ways that allow first-time Canadian home buyers to process through the red tape associated with this process.
I’ll guide you through the options available to enhance your experience, and will work with you to explore Canadian Mortgage and Housing Corporation (CMHC) and Genworth Financial, in addition to many other programs that are currently offered.
There are a number of commonly promoted programs that may seem enticing at first glance, but they may not be taking your future finances and best interests into consideration. I’ll help explain the intricacies of each program, and will identify the pros and cons to establish the best scenario for your personal and financial needs.
The cost of living has increased exponentially in recent months, and as interest rates on existing debts continue to rise, disposable income has decreased significantly. More than ever before, families in Toronto and the GTA are spending money at a rate that far exceeds their ability to earn income.
Refinancing the mortgage on your home is a simple way to take advantage of the equity in your property, to consolidate high-interests debts to alleviate daily financial stress.
Mortgage rates are at an all-time low, and refinancing might help you gain traction on financial stability in the future. I’m happy to assess the value in your home against the debts that you carry, to ensure a holistic solution is put into place.
Many Canadians are overwhelmed by their day-to-day responsibilities, and are intimidated by the mortgage renewal process. This often means people renew their mortgage with their existing bank or lender, for the sake of simplicity. Unfortunately, that isn’t always a financially sound decision. Mortgage lenders frequently send offers for early renewal that may sound enticing, but in actuality, may be locking you in to interest rates far greater than what I’d be able to find through alternative sourcing.
Your home is your biggest investment. I’m happy to work with you as early as 120 days prior to your renewal with your existing lender. Together, we can take a more prudent approach to securing your investment. I’ll shop out your mortgage with other lenders and will work hard to obtain the lowest possible rate for you, prior to the maturity date on your existing mortgage.
The best part of all of this is that there’s no effort required on your part at all. Simply contact me in advance of your mortgage maturity date, and leave the rest to me. I’ll explore every potential avenue for cost-savings and will present you with the options that work best for your personal needs and finances.
