What I do for you
Six situations, one way of working: I build your file once, present it to several lenders, and explain every option in dollars per month.
Your first purchase
Minimum down payment, HBP, FHSA, land transfer tax rebate, CMHC insurance: we cover everything you're entitled to before you even start visiting.
Don't sign your bank's letter
The renewal rate sent by mail is almost always higher than the market rate. Write to me 120 days before maturity.
Using your home's equity
Consolidate high-interest debt, finance a renovation, help a child buy. We calculate together whether the monthly savings justify the breakage penalty.
Second property and plex
Four-season cottage, duplex or triplex: down payment rules and rental income calculations vary from lender to lender.
When the bank said no
Business income, dividends, two years of financial statements: some lenders are made for these files. A branch refusal isn't a final answer.
Know your budget before you visit
Rate guaranteed for 90 to 120 days, confirmed amount, letter same day. A solid pre-approval is often worth more than an extra thousand dollars on your offer.
Five steps, three weeks
From the first call to signing at the notary's. You only need to provide your documents once.
Call and pre-approval
Twenty minutes on the phone: income, debts, down payment, project. Pre-approval letter provided the same day in most cases.
Rate shopping
I submit your profile to several lenders and come back with a comparison table: rate, payment, penalty and prepayment privileges.
Building the file
Pay stubs, notice of assessment, bank statements, accepted offer. You send them to me through a secure portal.
Final approval
Property appraisal if the lender requires it, conditions lifted, mortgage commitment signed and sent to the notary.
At the notary's
I verify that the deed's numbers match what we negotiated, then stay available until renewal.
What I am asked most often
Another question? A twenty-minute call is all it takes, with no obligation.
How much do your services cost?
In the vast majority of files, nothing: the lender you choose pays me at closing. If your file requires a private lender, any possible fees are disclosed to you in writing before anything is done.
Do you check my credit on the first call?
No. The first call is to get a picture of your situation. No credit check is done before your written authorization.
When should I contact you about a renewal?
Ideally 120 days before your term matures: that is how long most lenders can hold a rate.
My bank turned me down. Is that the end?
Not necessarily. Some lenders accept profiles that branches turn down, especially self-employed people. I present the file elsewhere, often the same week.
How long does a pre-approval last?
The rate is usually held for 90 to 120 days depending on the lender, and the letter is delivered the same day in most cases.
Get your free pre-approval.
Twenty minutes on the phone, a letter the same day, a rate protected for up to 120 days. No fees, no commitment, and no credit check without your consent.