Your Home, Your Way

First-Time Home Buyers

Navigating your first purchase? I'll guide you through pre-approval, government incentives, and closing — making the process stress-free.

• First-Time Home Buyer Incentive eligibility
• RRSP Home Buyers' Plan assistance
• Down payment planning and strategies
• Pre-approval in as little as 24 hours

Mortgage Renewals

Don't just sign your bank's renewal offer. Let me negotiate better rates and terms — you could save thousands over the term.

• Start the renewal process 120 days early
• Compare multiple lender offers
• Switch lenders at no cost (in most cases)
• Lock in rates with rate-hold guarantees

Refinancing

Unlock your home's equity for renovations, debt consolidation, or investment. I'll structure the refinance to maximize your financial benefit.

• Access up to 80% of your home's value
• Consolidate high-interest debts
• Fund home improvements
• Investment opportunities with Smith Manoeuvre

Self-Employed & Non-Traditional

Self-employed, new to Canada, or have non-traditional income? I specialize in finding solutions for clients banks often turn away.

• Stated-income programs available
• New-to-Canada mortgage programs
• Business-for-self documentation
• Alternative & private lending options

1. Consultation

We discuss your goals, budget, and timeline to understand exactly what you need.

2. Pre-Approval

Get pre-approved so you know your budget and can shop with confidence.

3. Rate Shopping

I compare rates from 50+ lenders to find your best possible deal.

4. Closing

I coordinate with lawyers, realtors, and the lender for a smooth closing day.