We specialize in residential mortgages for: self employed, film industry, high net worth, investors (and yes, we can help everyone else too!).
Here is some information that may help you understand a little more of how we help our clients:
My team and I use the latest technology to work 100% remotely, so you can secure the very best financing for your specific situation without leaving your home.
We work with Canada’s leading Financial Institutions including Banks, Trust Companies, and Credit Unions. They include Scotia, Toronto Dominion, RBC, National Bank, CIBC, ING, and many, many others.
Our company is part of Dominion Lending Centres, who sends these lenders more than 8 billion dollars in mortgage volume annually. So these lenders provide us with exceptional rates, fast turnaround times and flexibility with approvals.
When you use us to find you the very best mortgage, and negotiate on your behalf, there is no cost to you except in the most challenging of cases (which typically requires private financing). With most typical mortgages, the lender pays us a fee for finding and bringing them the business. Remember, it saves them from the cost of additional employees in wages, vacations, training cost, office space, and benefits. So, there is no cost to you, and we only earn a fee if we arrange the mortgage for you.
Some of our lenders specialize in providing mortgages for clients who are self-employed, contract employees, have seasonal income, have trouble proving income, or lack some of the standard documentation. We have seen all situations and are experienced in getting the unconventional mortgages approved.
Many people think their bank will automatically give them the best rates because they have been loyal customers for many years, have multiple accounts with them or have high account balances. Don’t fall into that trap. That kind of thinking has cost many clients thousands (or tens of thousands…) of dollars in unnecessary interest.
We have fully licensed mortgage professionals on our team who are governed by BCFSA, the BC Financial Services Authority. The safety and security of your personal information is of utmost importance and all discussions, documentation and file management are completely confidential at all times.
People will often make the time consuming mistake of going to multiple lenders themselves attempting to negotiate the best rates. Each time a Financial Institution pulls your credit report, your Beacon score can actually drop. Sometimes the very exercise of trying to find the most competitive mortgage actually disqualifies you from qualifying. We forward your credit report electronically to our lenders so that it isn’t pulled over and over. We can usually use the same report for up to 90 days!
If you, like so many other Canadians, have high interest credit card debt, department store debt, line of credit debt or other outstanding payments, want to purchase your next (or first) investment property, or want to take advantage of your existing equity to make other investments, now might be the ideal time to refinance your existing mortgage and consolidate it all into one simple payment at the lowest rates of all time. This consolidation can sometimes reduce your monthly payments by more than a thousand dollars per month. I would be happy to calculate the saving for your specific situation.
There has never been a better time in history to consolidate debt, refinance your mortgage, or purchase investment properties.
We are your trusted mortgage experts and we work for you, not the banks. It’s our job to provide you with timely, expert advice and make certain our clients have the very best mortgage products for their specific situation. Your business is very important to us!
We can place mortgages in many areas throughout Canada! So no matter what area you are in, give us a shout and let us know how we can help you!
Contact us for a complete mortgage review. We’re ready when you are!
We welcome all introductions and will take amazing care of anyone you think who may find our services valuable.