Let’s find the right mortgage for you!

Our priority is taking care of you!

We’re here for you every step of the way. Whether you’re a first-time buyer, upsizing, downsizing, looking to refinance or renew your mortgage, we promise to provide unbiased, expert advice as it relates to your financial situation.


A mortgage pre-approval is typically the first step in the home buying process as it pre-qualifies you for a maximum mortgage amount so you can submit an offer with confidence. A mortgage pre-approval will also provide you with interest rate and payment options while at the same time allowing you to become familiar with the mortgage application and home buying process. In some cases, an interest rate can be held for a specific time, which can be especially important in an increasing interest rate environment. Contact us to start your mortgage pre-approval application today!


Whether you are purchasing your first property, upsizing, downsizing, an investment, or cottage, we have you covered. Working with a mortgage broker gives you access to dozens of lenders with the best rates while at the same time providing you with unbiased, expert advice. When looking for mortgage financing for a recent purchase, we will guide you through each step and ensure you are set up with the proper mortgage product that fits your exact financial situation.


Refinancing is re-structuring your existing mortgage and can serve many purposes such as:

  • Improve Cash-Flow
  • Debt consolidation
  • Lower your interest rate and save on your overall cost of borrowing
  • Equity take out or set up a home equity line of credit (HELOC) for investment purposes or renovations
  • Spousal Buy-out from a separation/divorce

  • There are many factors to consider when refinancing to ensure that it makes sense for you and fits your short- and long-term financial goals. Contact us today to see if a refinance makes sense for you to improve your financial situation.

Mortgage Renewal, Transfer & Switch

Typically, within 6 months of your maturity date, your existing lender will contact you to provide you with mortgage renewal options. This is a great time to review your financial situation and look at options with other lenders as it could save you a bundle of money in the long term. We know lenders rarely offer the best deal upfront at renewal so we will negotiate on your behalf to ensure you get the best mortgage and interest rate possible to keep money in your pocket. We will explore all options to see whether it makes sense to stick with your existing lender or transfer/switch to a new one.

Purchase Plus Improvements

A purchase-plus improvements mortgage allows you to add in a renovation cost back into your mortgage so that you can customize a property to your liking while at the same time, reserving capital and having just one payment. We understand finding a property that meets your functional needs and budget can prove challenging in this real estate market, so a purchase-plus improvements mortgage is a terrific way to solve the best of both worlds. We will explain the process, terms and conditions and help you decide if this type of mortgage product makes sense for you.

Investment Property

If you are looking to diversify your investment portfolio, consider purchasing an investment/rental property. Typically, a minimum of 20% down payment is needed but if you do not have the cash available, we can look at other options such as tapping into the equity on your owner-occupied, if of course it makes sense. Qualifying for a mortgage on an investment property is different than on your primary residence and there are many factors to consider before potentially becoming a landlord. We will guide you through the process and explain the pros and cons so you can make an educated decision on whether owning an investment property is right for you.

Cottage Or Vacation Property

Have you ever dreamed of owning your dream cottage on a lake or second home in the country? We can turn your dreams into reality, and you can purchase this type of property with as little as 5% down. Down payment and financing requirements will vary, depending on the type of property and location so speaking with an expert is key before starting your search.

Reverse Mortgages

An increasingly popular solution for people 55 or older with plenty of equity in their homes but don’t have the income to qualify for a traditional mortgage. Can be used for purchases or refinances, and you retain full ownership and title to your property.

New to Canada Financing

Many lenders offer New to Canada programs which allow mortgage financing for those who have recently arrived within 5 years and may have limited credit and employment history. There are unique requirements and conditions that need to be satisfied for this type of mortgage so pre-qualifying is especially important if one is considering purchasing a property. We will explain the requirements needed to attain New to Canada mortgage financing so that your home ownership dreams in Canada can become a reality.

Alternative & Private Lending

For borrowers who don't qualify with a traditional "A" lender or bank, there are alternative financing options provided by "B" lenders as well as private lenders. Typically, this type of financing is needed for those with bruised credit including a consumer proposal or previous bankruptcy but also those who are self-employed showing low net income on tax returns. If you have been turned away by your bank or traditional "A" lender, we have options for you so that you can purchase a property or refinance and improve your financial situation.

Self-employed Financing

We understand the challenges involved for some self-employed borrowers in qualifying for the financing they require. Many self-employed individuals show less income on tax returns and notice of assessments than their actual take-home income and this can cause issues when trying to qualify for mortgage financing. We have many different programs and underwriting practices that allow us to maximize self-employed borrower income so that mortgage financing can be attained, including bank and "A" lending, not just alternative or private financing. If you are self-employed and have had challenges qualifying for a mortgage, contact us today and we would be happy to discuss and explore all options.

Commercial Property

Commercial property financing is different from your typical residential financing. It is important to discuss the process with an expert mortgage broker to make sure the requirements can be met, and expectations can be set. We have access to various lenders offering commercial financing while also working with some of the best commercial financing experts in the country to make sure the needs of our customers are satisfied. If commercial financing is needed, big or small, we have you covered.