Every situation is shopped across my lender network through Mortgage Architects, not limited to one bank's products.
Buying your first home starts with knowing what you can actually afford, not just what a bank says you qualify for. I'll walk you through pre-approval, explain how programs like the FHSA (First Home Savings Account) and various down payment options can help, and make sure you understand every number on the page before you start house hunting.
Start an ApplicationRecent pay stubs, your last two T4s or Notices of Assessment, proof of down payment, and a void cheque or pre-authorized debit form. I'll send you the full checklist once we talk.
When your mortgage comes up for renewal, your current lender will mail you an offer, but it's rarely their best rate, just a starting point. I compare that offer against the market across my full lender network. Refinancing can also let you consolidate higher-interest debt, fund a renovation, or access equity for whatever's next, often at a better rate than a line of credit or personal loan.
Compare My RenewalReach out 4 to 6 months before your renewal date. That gives enough time to compare options properly, and most lenders allow rate holds well in advance of your actual renewal.
Traditional bank underwriting wasn't built for self-employed, commission, or contract income, even when that income is strong and consistent. I work with lenders across the Mortgage Architects network who specialize in stated-income and alternative documentation, so your file gets evaluated on the full picture, not just a T4.
Discuss My SituationSelf-employed and business owners, commission and contract income, rental income, multiple existing properties, and newcomers to Canada still building credit history.
Several lenders offer newcomer programs designed for people with limited Canadian credit history, often accepting international credit reports, employment letters, and a larger down payment in place of a long local credit file.
Whether it's your first rental property or your fifth, I'll help you structure financing that accounts for rental income in your qualification and fits your longer-term plan for growing a portfolio.
I can also walk you through mortgage protection insurance: life and disability coverage that ensures your mortgage is taken care of for your family if something happens to you.
That's normal. Most clients aren't sure either. Let's talk it through.