Our Mortgage Solutions
What we do
Committed to providing you with a wide range of services.
Purchase financing — first‑time buyers & move‑ups
Rapid pre‑approval, Down payment counseling, Offer support, Closing coordination
Refinancing & equity take‑outs
Break‑even modeling, Structuring options, Tax‑aware planning
renewals & rate reviews
Present side‑by‑side renewal options, Negotiate retention offers, Model the cost of staying vs. switching
Self‑employed & alternative documentation
Prepare lender‑ready files, Bank deposit summaries and cash‑flow narratives, Lender matching to identify products
Investment property financing
Cash‑flow modeling, product selection, acquisition financing, refinance for portfolio growth, and bridge loans for repositioning assets
Newcomer & international clients
International credit verification, documentation needs, deposit timing, and strategies to build Canadian credit fast.
Specialized solutions
Construction/renovation financing, reverse mortgages and retirement financing, Private lending referrals
Why Us
Who we serve
We work with first‑time buyers, move‑up purchasers, self‑employed borrowers, investors, newcomers, retirees, and anyone seeking specialized financing. Our approach scales from simple pre‑approvals to complex portfolio structuring.
Why timing matters
Interest rate volatility and lender pricing windows create moments where acting saves material dollars. We monitor markets and advise on locking strategies, balancing hold fees against potential savings. For purchases, coordination of appraisal, inspection, and closing date is critical to avoid expired holds or rushed paperwork.
Pricing & transparency
We provide clear, written fee disclosures at the initial meeting. Typical third‑party costs include appraisal, title insurance, and legal fees. If a lender supports “no‑closing‑cost” products, we model long‑term cost versus upfront fee options so you can make an informed choice.
Our Process
We handle everything for you
We are the ones that will guide you to the future.
1. Intake & discovery (30–45 minutes)
We document goals, timeline, liabilities, and special considerations.
2. Comparative analysis (24–72 hours)
We do comparative analysis on various lender options and present the best choice
3. Recommendation & decision
We present a recommended plan plus alternatives with clear pros/cons and expected monthly and lifetime cost impacts.
4. Underwriting advocacy
We act as your advocate in underwriting, responding to conditions, providing clarifications, and negotiating exceptions.
5. Closing & ongoing service
We coordinate legal and funding logistics until the closing
6. ongoing service
We schedule annual reviews to capture savings or restructure when appropriate.
Sample Case Studies
- First‑time buyer: We helped a young couple secure a $450,000 purchase with 5% down and RRSP withdrawal strategy. By negotiating downtown condo appraisal timing and choosing a lender with a generous portability clause, they closed on time and reduced mortgage default insurance through blended contributions.
- Self‑employed contractor: A seasonal contractor lacked two full tax years. We packaged 12 months of deposits, year‑to‑date P&L, and client contracts. The borrower secured a near‑prime rate with a flexible lender by demonstrating recurring cashflow.
- Investor portfolio growth: We structured cross‑collateral financing for a client buying a second rental; this preserved the rate on their existing financed property and provided a manageable amortization that maintained positive cash flow.
Frequently Asked Questions (FAQ)
No matter your income, credit score, or how long you’ve been in business, we’re here to help you secure the mortgage you need.
How long to get pre‑approved?
With complete documentation, many straightforward pre‑approvals are returned within 24–72 hours. Complex files—self‑employed income, recent credit events, or international documentation—may take longer as lenders require additional verification. We provide estimated timelines during intake and update you at each milestone.
This is preliminary information only. For additional details a contact mortgage broker
What fees should I budget for?
Closing costs typically range from 1.5%–4% of purchase price depending on region and transaction complexity—covering legal fees, title insurance, appraisal, and transfer taxes. We provide a tailored Estimated Closing Cost worksheet.
This is preliminary information only. For additional details contact mortgage broker
Can you help with bad credit?
Yes. We match borrowers to lenders who consider compensating factors such as larger down payments, significant savings, or co‑signers. Timelines and rates differ; we outline realistic paths and rebuilding strategies.
This is preliminary information only. For additional details contact mortgage broker
Is mortgage insurance inevitable with low down payment?
In many cases, mortgage default insurance is required for down payments below standard thresholds; however, we model scenarios (e.g., blended down payments, gift letters) to minimize costs where possible.
This is preliminary information only. For additional details contact mortgage broker
What fees and closing costs should I expect besides the down payment?
Expect closing costs roughly in the range of 1.5%–4% of the purchase price, depending on region and transaction specifics. Typical items include land/property transfer tax, legal/notary fees, title insurance, appraisal and home inspection fees, and lender or broker fees where applicable. If mortgage default insurance is required (for down payments below conventional thresholds), a premium applies—often added to the mortgage principal or payable upfront. Prepaids may include property tax or condo fee adjustments and utility holdbacks.
For refinances, include appraisal, legal, and registration fees and any mortgage discharge costs. Quick checklist to budget: (1) estimated transfer tax, (2) legal fees, (3) appraisal/home inspection, (4) title insurance, and (5) mortgage default insurance premium (if applicable). We’ll produce a tailored Estimated Closing Cost worksheet for your deal so you can plan exact amounts before commitment.
This is preliminary information only. For additional details contact mortgage broker
What is a rate hold (rate lock), how long can I secure a rate, and does it cost extra?
A rate hold — also called a rate lock — guarantees a lender’s interest rate for a set period while your mortgage application, appraisal, and closing proceed. Typical hold windows are 30, 45, or 60 days; some lenders offer shorter (7–14 day) or longer (90+ day) holds for a fee. Holds are most useful in purchase transactions where closing timelines are fixed or when rates are rising and you want price certainty. Costs vary: many lenders include a short free hold as part of the product, while extended holds or custom lock extensions may incur a flat fee or a rate premium (e.g., 0.05–0.25% added).
If your deal closes sooner than the hold length, you keep the locked rate; if it closes after expiration, you receive the prevailing rate at closing unless an extension is negotiated. To secure a hold, we’ll confirm the hold length at pre‑approval, document the lock in writing, and advise on extension options; we’ll recommend a hold only when the timing and cost make sense for your transaction.
This is preliminary information only. For additional details contact mortgage broker