GET TO KNOW US A BIT BETTER

FIND OUT WHAT MAKES US TICK AND WHAT PASSION DRIVES US

  • My mission is to educate home buyers along the way and to prepare you for the future of your mortgage.
  • I care about what happens to my clients, evident through their trust in me to come back with their next mortgage quest.
  • I can apply my expertise to ensure you have the solution that is right for you.

One of life’s main events – purchasing a home – is something to be treated as an experience to remember, not just as the necessary evil of excruciating negotiation, bank visits and paperwork.

Humanizing the mortgage experience is what gets me excited about what I do. There is an emotional investment in every transaction, sometimes elation at a first home purchase and sometimes through life’s challenges when things go wrong.

Life doesn’t just happen between 8:00 and 4:00, so I offer the flexibility of being a mobile mortgage broker – I’ll come to you! Give me a call, I’m here to help.

SEE WHAT MAKE US DIFFERENT FROM OTHER BROKER’S

HUMANIZING THE MORTGAGE EXPERIENCE

WHY SHOULD YOU DO BUSINESS WITH US?

WHAT IS THE BENEFIT IN WORKING WITH US?

  • Knowledge of industry and mortgages
  • People focused
  • Very detailed oriented
  • Extremely passionate and has high integrity
  • Full disclosure and transparency
  • Help you to get on the right path to a great mortgage
  • Very loyal and empathetic
  • 14 years financial experience (10 years in mortgage)
  • Keeps promises
  • Will keep you in the loop at all time
  • An Honest Partner
  • Quick responses and turn around time
  • Mobile (can meet client anywhere)
  • Comes with a team of people willing to help you (Lawyer, etc)
  • Hassle free (we do all the paperwork)

SEE WHAT MAKE US DIFFERENT FROM OTHER BROKER’S

HUMANIZING THE MORTGAGE EXPERIENCE

WHY SHOULD YOU DO BUSINESS WITH US?

  • Knowledge of industry and mortgages
  • People focused
  • Very detailed oriented
  • Extremely passionate and has high integrity
  • Full disclosure and transparency
  • Help you to get on the right path to a great mortgage
  • Very loyal and empathetic
  • 14 years financial experience (10 years in mortgage)

WHAT IS THE BENEFIT IN WORKING WITH US?

  • Keeps promises
  • Will keep you in the loop at all time
  • An Honest Partner
  • Quick responses and turn around time
  • Mobile (can meet client anywhere)
  • Comes with a team of people willing to help you (Lawyer, etc)
  • Hassle free (we do all the paperwork)

CHOOSE A PRODUCT THAT BEST SUITS YOUR NEEDS

WE HAVE MANY PRODUCTS TO CHOOSE FROM CALL US IF YOU HAVE ANY QUESTIONS

Purchase

Refinance

Renewal

Heloc

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If you are unable to prove income, have a damaged credit history or owe income tax arrears there are mortgage options available to help you.

You can access the equity in your help to help with the purchase of vacation home abroad!

With a minimum 20% down payment, purchasers have many options available to them when buying investment/rental property.

A mortgage Pre-Approval is the first step before starting to look for a new home for two reasons:

  1. The pre-approval gives you a good idea of how much of a mortgage you can afford before looking at properties.
  2. The pre-approval will hold a rate for up to 120 days, protecting you from rate increases and allowing you enough time to find the home of your dreams.

CMHC, Genworth and Canada Guaranty recognize the unique financing challenges of self-employed Canadians and have mortgage insurance programs available.

Alternatively, there are other non-insured stated income mortgage options available.

CMHC, Genworth and Canada Guaranty insured financing is available to borrowers with permanent and non-permanent residence status, helping newcomers to realize their dream of homeownership in Canada. You can purchase a home in Canada with as little as 5% down payment.

Did you find your dream home but didn’t like the kitchen, bathroom or flooring? A purchase plus improvements allows you to purchase the home of your dreams and add the renovation costs to your mortgage.

Do you want a cottage or a weekend getaway retreat? Is your child going to university? As your family grows or your lifestyle demands change, so do your needs. CMHC, Genworth and Canada Guaranty have a product to make this process more feasible - with as little as 5% down payment!

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You can refinance your home up to 80% loan to value. This is a great option if you’d like to:

  • Lower your mortgage payments
  • Pay off or consolidate debt
  • Purchase a vacation or second home
  • Purchase an investment Property
  • Pay for your children education

And many other options using the accumulated equity in your home

Love your home but want to refresh it? Did you purchase a new build with an unfinished basement and you’d like to take advantage of the extra living space? You can refinance and add the cost of the renovations to your mortgage.

If you are unable to prove income, have a damaged credit history or owe income tax arrears there are mortgage options available to help you.

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Is your mortgage coming up for maturity in the next 120 days? Do you want to access equity or leave the maturing balance and amortization at maturity? When your mortgage is coming up for maturity you have options. You can transfer/switch your mortgage to a new lender for a lower rate, access equity or leave your maturing mortgage balance and increase the amortization to lower your payments. Start looking at your mortgage options four months prior to maturity as this will ensure you receive the best rate.

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Use the equity in your home to get a secured line of credit today! With a Home Equity Line of Credit or HELOC, equity can be released to be used for any purpose.

  • You can access some or all of the funds available on your line of credit at your convenience
  • You only pay interest on the funds utilized
  • Repayment is flexible – interest only options, or the line of credit can be paid in full with no penalties
  • There is no expiration date

NOW THAT YOU HAVE FOUND THE PERFECT PRODUCT

CALL US TO GET STARTED

403.471.5884

STILL NOT CONVINCED... READ WHAT PEOPLE WHO WORKED WITH US HAVE TO SAY

NEED MORE INFORMATION TO MAKE YOUR DECISION

IT’S TIME TO GO INTO NUMBERS

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WHY PAY MORE INTEREST THAN YOU HAVE TO?

Because we work with a wide variety of lenders we can access competitive, lower-than-advertised interest rates.

Check back often to see how these rates compare to average bank rates.

This data is provided for information purposes only and is updated daily by Axiom Mortgage Solutions. Posted rates are subject to change without notice.

Rates are compounded semi-annually, and not in advance.

Mortgage Term
Our Best Rates
Most Banks
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Why use a mortgage broker?
  • Power of professional negotiating expertise.
  • One stop convenience for access to numerous mortgage products.
  • Unbiased knowledgeable advice.
  • Access to unadvertised rates.
  • Work for you, not the Bank.
What is the Homebuyers Plan?
  • The Home Buyers Plan is a federal government program that allows homebuyers to use $25,000.00 for each purchaser from his/her own RRSP.
  • You must not have owned a principal residence within the last 5 years.
  • Minimum repayment is 15 equal annual installments. This schedule can be accelerated.
  • The funds to be withdrawn must have been invested into the RRSP for a minimum of 90 days prior to withdrawal.
  • You must complete a Form T1036.
Do I qualify for the 5% downpayment program?
  • The home must be located in Canada and is to be occupied as your principal residence.
  • You have from your own resources a down payment of at least 5% of the purchase price of the home.
  • Your mortgage payment must not exceed 32% of your gross household income. This includes payment of principal + interest + property taxes + heat + condo fees (if applicable).
  • You must be able to cover closing costs equivalent to at least 1.5% of the purchase price.
  • You meet the lender’s eligibility requirements regarding income, employment and credit worthiness.
What should I expect for closing costs?

The following are approximate costs:

  • Appraisal Fee: $300.00+
  • Survey Certificate (if applicable): $250.00
  • Home Inspection (approximately): $350.00+
  • Legal Fees (approx): $750.00
  • Tax Adjustment (if applicable)
  • Interest Adjustment (if applicable)
  • Property Transfer Tax (if applicable)
What is Property Transfer Tax and do I have to pay it?
  • This tax is charged by the Provincial Government and is collected by your lawyer at closing.
  • Each Province varies as to the amount but it is usually a percentage of the purchase price. For example, in British Columbia, the amount the purchaser must pay is 1% of the first $200,000 and 2% of the balance.
  • You are exempt from paying PTT in British Columbia if you have never owned a home anywhere. You must finance at least 70% of the purchase price and the maximum home price must not exceed $300,000.00.
What type of income proof do I have to provide?

In most situations lenders require a comfort level that the borrower has sufficient income and cash flow to service the mortgage as well as any other obligations that they may have. The higher the Loan to Value (ie mortgage amount vs. purchase price) the more important this becomes as the lender is placing less reliance on the value and equity in the property and more on the earning power of the borrower. The following is a summary of what Lenders require depending on what type of job you have:

Salaried Employees

  • Job Letter – Lenders use 100% of the income. Verification is made on company letterhead, signed by appropriate individual. If you are a recent hire, the letter should confirm that probation period has been passed. Bonuses, car allowances and other forms of remuneration should be mentioned if applicable.
  • Pay Stubs – Many Lenders will also require your most recent pay stubs.

Hourly Employees

  • Pay Stubs – showing year-to-date income verification.
  • T4’s and/or Personal Tax Returns (T1 Generals)- 3 years to take an average.
  • Notice of Assessment – (NOA) – most recent to confirm no taxes owed.

Commission Income

  • T4’s and/or Personal Tax Returns – 3 years to take an average.
  • Job Letter – confirming position.
  • Notice of Assessment (NOA) – optional depending on Lender.

Self-Employed

  • Financial Statements of Company – 3 years average of net income used. Depending on Lenders policies, the add-back of various personal expenses run through the company may or may not be allowed (i.e. of allowable add-backs – Depreciation, Amortization, CCA (Capital Cost Allowance))
  • NOA’s (Personal Notice of Assessments)
  • Personal Tax Returns (T1 Generals showing personal net income)
  • Overtime – Will be used as long as there is a proven track record – 3 years evidence (T-4’s).
  • Bonuses – Once again a 3-yr track record required.
  • Part-time Job – should be in place for a couple of years before using the additional income.
  • Tips – generally not recognized unless declared for tax purposes.
  • Car Allowances – This varies from lender to lender.

Alimony and Support – Evidence that payments have been made regularly and a copy of divorce agreement is required. Investment Income – must be received continuously. This source of income is limited to interest, dividends or some type of ongoing revenue. Capital gains, which result from the liquidation of an asset is a onetime occurrence and can’t be used.

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