Today's mortgage market is very competitive and, as a result, the best way for individual lenders to compete is by specializing in a few products at a time. These products are unique to each lender and always changing. They are not always tailored to your needs. As a Mortgage Broker I can offer you access to virtually every mortgage product available ensuring that you find the one that is right for you. If you would like another opinion, please read this article in Canadian Business Magazine or National Post.

As soon as I receive your application I begin packaging your loan request. If you wish to download the application from this WebPage and fill it in, I can pick it up in person or you can send it to my confidential fax or mail it to me. Once I receive your application, your mortgage request will be tendered through a secure electronic system to several of a large pool of lenders. While you work on more important purchase or investment decisions with your Realtor or Financial Planner, you can rest assured knowing that your borrowing needs are being cared for. Unlike the bank, my business hours don't end at 4:30PM, I'm not closed on Mondays and I am often available evenings and weekends. I will do all the mortgage shopping for you allowing you time to do more important things like selecting furniture and decoration for your new home!

Renewing you current mortgage?

With rates so low, this is a great time to refinance your mortagage. Most people don't know that you can renew your mortgage through a Mortgage Broker as well. If you're unsatisfied with the rate or service that you are receiving with your current lender, I can help. I will find the best mortgage available to you and usually, with a straight transfer to a new institution, there are no legal costs to you.

First Time Buyer and/or RRSP down payment?

If this is your first time buying a home, a Mortgage Broker is one of the best ways to explore your options. Along with your Realtor I can help you through the entire purchasing process step by step. Together we can explore the various ways you can structure your purchase and discuss the pros and cons to each option. I am at your service and always available. If you are thinking of using your RRSP towards your down payment I have included the forms and information booklet at my links & downloads page.

Leverage loan for investment?

If you are looking to make an investment and require a loan, I have several options for you as well. I can provide secured lines of credit at leading rates, as well as several other mortgage options designed for investing, from a number of lenders. I also have access to a majority of the major Canadian banks and lending institutions where I can apply, on your behalf, to increase your current mortgage. That's right, there is no need to go to the bank yourself, I will do the work for you ensuring that you receive the best rates and options. I don't charge you any fees for this service and by shopping with me you will get to see other options that you wouldn't otherwise have known existed.

The Bank

Canadian Banks are changing their business. In order to serve you better where they can, Virtual Banking, Interact Cash Machines, Business Accounts, Visa Cards and Financial Planning are becoming their service priority. Branches are closing and as people see the benefits of using a broker, banks are looking more and more to Mortgage Brokers to offer their loan products. As a result, Canadians are finding out what the rest of the world has known for years. The only way to truly "shop" for your mortgage is by using a Broker. I understand banking regulations and requirements, I know who's offering the best products, I am independent and on your side. I look forward to helping you achieve your dreams today and for years to come.