Who should use my services??

Anyone who wants to finance a piece of real estate can gain an advantage using my services. It's that simple. Here are some examples of why people come to me.

REPRESENTATION:

Statistically, financing a home purchase is the largest single debt you will take on in your life time. It only makes sense that you should retain PROFESSIONL REPRESENTATION when applying for your mortgage. This is the most crucial part of what any independent mortgage professional does. I represent YOUR best interests. My responsibility is to you, my client, not to any bank or financial institution. I make sure that your application package is properly compiled, ensuring a hassle free approval the first time out of the gate. The best part is if you are a qualified borrower, my services cost you nothing.

GREAT CREDIT, NO TIME

A1 clients who could get a mortgage anywhere often don't have the time to check every lender for the best rates and terms. Time away from the office is time badly spent, so they count on the expertise and convenience that I provide.

RELOCATION

With no contacts in banking and little knowledge of financial regulations in a new country, clients use our services to expedite their purchases. We're not only a one-stop shop for financing but a conduit to other real estate professionals.

SIMPLE RENEWALS

Over 70% of property owners automatically sign back their mortgage renewals. By using my services, these individuals can potentially save themselves thousands of dollars over the term of their mortgage.

SELF EMPLOYMENT

I have a host of lenders who recognize the advantages and challenges of self employment and provide mortgage solutions tailored to this segment of the borrowing public.

FIRST TIME BUYERS

I love first time buyers. There is nothing like helping a first time buyer realize their home ownership dream. I am well versed in this discipline and will ensure that your application is complete and organized for potential lenders. You worry about looking for your first home and let me worry about your financing.

BEST OF ALL, IN 90% OF OUR MORTGAGES, THERE ARE ABOLUTELY NO FEES PAID BY THE CLIENT.

CHALLENGED CREDIT

Previously bankrupt? Challenged credit? Don't despair. Give me a call. I have a host of private and institutional lenders who are geared specifically at servicing the challenged credit market.

THE FOLLOWING ARE SOME EXAMPLES OF THE PRODUCTS WE OFFER:

FIRST MORTGAGES:

I have a long list of first mortgage lenders including but not limited to all but one of the major Canadian banks. I also utilize the services of many alternative "A" lenders who will compete head to head with the big banks to earn your business.

SECOND MORTGAGES:

I have resources to supply institutional and privately funded second mortgages. Second mortgages can be used to unlock equity from your existing property, providing funds to consolidate debt, use as a down payment on a recreational property or possibly to renovate. It's up to you.

SECURED LINES OF CREDIT:

Much like a mortgage, a secured line of credit uses the equity in your home to unlock funds for other purposes. This type of credit facility allows you to access an available balance and re pay based on the interest owing only. If a consumer loan bares interest at a higher rate than a secured line, this may be the way to finance that next big purchase.

EXTENDED AMORTIZATIONS

25, 30, 35 year amortizations are available. These programs have been put in place to assist prospective home owners in affording the monthly payments in an ever increasing housing market. The longer the amortization, the lower the payment. Give me a call and I'll explain how.

HIGH RATIO FINANCING!!

That's right. There was a time when the minimum down payment on a mortgage was 25%. No longer. You can now finance as much as 95% of your home ownership loan. Give me a call and I'll explain how.

INVESTING YOUR MORTGAGE FUNDS.

I can supply what I call a fractioned mortgage. This type of loan is based on the equity in your home. The mortgage is "fractioned" into separate credit facilities at different rates allowing you to free up funds for investment purposes and benefit from the resulting tax advantages.

Our Lenders: