First-Time Buyers

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 confusing maze of lender options, mortgage documentation, and terminology you are dealing with as you work your way through this process. 

I will provide a mortgage pre-approval, which strengthens your position when negotiating the purchase price of your home. Call or apply online now, and we will get the ball rolling for you.

Repeat Home Buyers

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.

I can help you through the entire process, helping you explore all your options.

With electronic access to over 60 lenders I will ensure that you receive the best rate for the mortgage product of your choice, usually within 24 hours.

Vacation Properties

I can make this happen for you with the purchase of a secondary homes be it for vacation or retirement eventually.
Whether your preference is a lakeside cabin or a resort condominium we can help with the necessary financing plan to meet your needs. My lenders can and will provide mortgage financing for anywhere in Canada.

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

Different properties have different criteria from various lenders' perspectives and I can have this all sorted out for you well in advance.

Non-Lender Lending

If your financial situation is a little more complex than most - no credit history, bankrupt or recently discharged, no verifiable income - you can still achieve your dreams of home ownership.

I can get you a mortgage in most situations regardless of your circumstances. Where traditional financial institutions have given the answer “No”, non-traditional or private lenders may be able to offer you solutions. These lenders may charge higher rates and fees, but the end result is that you will still own your own home.

New Immigrants

This program is specifically designed for new immigrants. 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 in most situations regardless of your circumstances. Where traditional financial institutions have given the answer “No”, I  say “Yes” and get you a product that suits your needs at an extremely competitive rate. 

Below is a list of the most common non-traditional situations, however, please note, that not all situations are listed and each is looked at on a case-by-case basis to fit with the appropriate lender – each situation is unique and looked at accordingly. This is where our expertise and knowledge is essential in taking care of you and your family.
 
 

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
Financial	- Zero-down	- Purchase plus improvement

If you fall into one of the categories above, or if you have a different situation, I know where to go and how to structure the deal. 

For self-employed workers you will have to provide 2-3 years of Revenue Canada Notice of Assessment.