Services Rendered
Existing Mortgages
Your Current Mortgage is coming up for Renewal, would like an Annual Review of your current Mortgage or having Difficulty paying bills and might have to declare bankruptcy/give up your home. Please reach out to me, theres options for everyone, would never want to see the last one, your help begins here
Renewals
I love this time to assist others in the Renewal process, majority of my clients are shocked at the low rates we can get them! Book an appointment, send an email, give me a call. I love chatting about the future.
Annual Mortgage Review
If you're considering taking advantage of the low rates, want to know where you stand with penalties or just want to discuss the future, book an appointment, I'm open to discussing.
Bankruptcy/Default
If you're feeling defeated and finances are unbearable, please reach out to me, there might be options for you!
High Ratio Mortgages
Whether it be a First Time Home Buyers Plan, New Resident to Canada, Purchasing First or Next Home you and your family has options for the Future! Using Registered Plans, 5% down payment up to 19.99% down payment a High Ratio Mortgage is needed to be Insured by one of the 3 Default Insurers CMHC (Canada Mortgage Housing Corporation), Sagen (formerly Genworth) or Canada Guaranty. You have a multitude of options that can become quite confusing. Let me guide you!
The Home Buyers' Plan (HBP) is a program that allows you to withdraw funds from your Registered Retirement Savings Plans (RRSPs) to buy or build a qualifying home. The HBP allows you to pay back the withdrawn funds within a 15-year period. You can withdraw funds from more than one RRSP as long as you are the owner of each RRSP account. Your RRSP issuer will not withhold tax on withdrawn amounts of $35,000 or less. Some Plans do not allow a draw from them.
Ask me how!
Eligibility
- Borrowers must have a valid work permit or permanent residency
- Borrowers must have a minimum of 3 months full-time employment in Canada (those transferred under a corporate relocation program are exempt)
First Home or Next Home
You don’t need to have Registered Savings to Purchase your first House! Many different options are available, whether it be 5% down payment from your own resources or whether it be from Gift from a family member! I got your back!! Reach out to me and let’s go through those options, I want to see you obtain your goals.
Conventional Mortgages
This is the glorious, putting 20% down and more that makes you feel like you have more freedom from the fearful debt load of Canada! If you’re looking for a debt consolidation, refinancing for the next renovation or an Investment Property has arouse. Let’s get that Conversation moving in high gear because these rates are smoking hot! Don’t let all this Jargon detour you! I’m here to make sense of it all and make sure you have an amazing understanding of where your opportunities lie!
Debt Consolidation Mortgage
Is your debt weighing you down like most of the Population of Canada? Lets have a discussion about your options on how to lighten that Debt load by moving it into your Mortgage!
Refinancing for the next Renovation
Renovating your Home is always a huge expense and once you get the renovation itch, it doesnt stop!! Dont worry I can help you with your itches and your Renos, from a Mortgage Standpoint, I wont come help you renovate sorry. I love hearing about them though!
Investment Properties
Rental properties are starting to become more common, we want to make money while we sleep! Usually we don't know where to start, lets work on a plan together and get the ball rolling.
Specialty Mortgages
If you're looking for a Builders Mortgage to make that dream come true, needing Collateral Charge Mortgage to Purchase that next home while your current sells on the Market or Divorce/Separation is difficult and you need to pay out the other Owner than I can assist in these Mortgage needs. Reach out to Plan your next steps, we will get through it together!
Builders Mortgage
Want your dream home Built the way you've envisioned it? Unsure how you will finance it? Please reach out to me, you have great options at your disposal!
Collateral Charge Mortgage
Also known as Bridge Financing!
Bought a house but havent sold your old property yet? No problem! Yup I said that! I have answers and products to assist you, no need to worry lets get you into the new place and comfortable!
_page-0001.jpg/:/cr=t:0%25,l:1.47%25,w:97.06%25,h:100%25/rs=w:360,h:480,cg:true)
Divorce/Separation Mortgage
I'm sorry you're going through this, the last thing you want to worry about is how to get your previous partner paid out, losing the house or debt accumulated during this time!! I will try to ease your mind by going through your options, lets start with a conversation and go from there!
Add a footnote if this applies to your business
Online Appointments
Planning steps to the Mortgage
Planning steps to the Mortgage
Planning steps to the Mortgage
Designated time to discuss the future! Bring IDs and all decision makers.
Refinance Discussion
Planning steps to the Mortgage
Planning steps to the Mortgage
Let’s discuss how we can make your debt load more manageable through your Equity
Rental/Investment opportunities
Rental/Investment opportunities
Rental/Investment opportunities
Let’s work together to obtain Revenue while you sleep!
Annual Review
Rental/Investment opportunities
Rental/Investment opportunities
If you are looking to know your options with your current property, I'm here for a chat.