If you are considering purchasing your first home, it is likely that you will have a lot of questions. We will discuss all aspects of the home buying process including determining how much you can afford, what down payment you will need, your credit and income.
We have access to a large network of different lenders to find the right mortgage for each client. We will walk you through the process, providing education and communication every step of the way.
Working with a mortgage broker before you start looking for a home is an important first step. We can provide you with a full pre-approval, so you know exactly where you stand.
Real estate has become a very popular investment vehicle in Canada. The rules are a bit different than buying a primary residence so it’s a good idea to speak to a qualified mortgage professional before pursuing this purchase.
There are many lending options available to clients looking to buy a rental property – let’s discuss your plans and find the best solution for you to access this investment strategy.
Whether you need to access equity in your home for renovations, debt consolidation, or paying for your child’s education, there are many options available for you to refinance your mortgage.
Let’s have a conversation and discuss what the best options will be for you and your financial well-being
Before you renew your mortgage with your current lender, let’s review your situation and see if there is a better option for you that will save you money over the next term.
If you have unmanageable credit card and other debt, refinancing your mortgage is a great solution to help you take back control of your finances
We can consolidate your high-interest credit cards by adding the balance to your mortgage, saving you on interest charges over the long term, and freeing up cash flow to be directed to more important things for you and your family
If you are purchasing a “fixer upper”, a Purchase Plus Improvement mortgage is a great solution, allowing you to include reno costs into your mortgage. This type of mortgage allows you to immediately increase the value of your home without breaking the bank
If you already own your home but would like to do some improvements, we can look at accessing some equity in your property to cover the costs of the renovations. Let’s have a conversation and see which options will be the most cost-effective for you to turn your home into your dream home
Whether you are a first time homebuyer or currently own and are looking to upgrade, or perhaps buy a second property, getting a pre-approval is a crucial first step to making sure you can afford the house that you want, and deal with any potential issues related to your income and credit
A pre-approval may increase your chances of getting that accepted offer on your dream house
If you’ve been living in Canada less than 5 years, you may qualify under a New to Canada mortgage program. This program allows lenders to use different lending guidelines to qualify new residents for a mortgage in this country, while still accessing the most competitive interest rates in the market
If you are dealing with credit issues, we can help! One of the benefits of working with a mortgage professional is that we can look at your current credit situation and help you repair your credit so you can qualify for a mortgage
We work with a number of alternative and private lenders that will say “yes” to bad credit when the banks say “no”, helping you achieve your dreams of home ownership while also working on improving your credit over time
Have you been dreaming of a vacation property, or perhaps a 2nd home that will be the place of your retirement dreams later in life? Let’s review your goals and make those dreams a reality
If you have a good amount of equity in your current home, we can look at using that equity to put toward your second home. Now is the time to plan for the future!
Being self-employed and getting approved for a mortgage may seem impossible, but there are lots of great lender options available to you if you are a sole proprietor/partner or incorporated.
We will review your business income and taxable income to determine the best mortgage options available to you. The rules around lending to self-employed clients is changing all the time. We as mortgage professionals are here to help you navigate this increasingly complicated market and get you into your new home
One of the most painful life experiences is going through a separation and divorce. When a house is involved, often the couple needs to decide if they will sell the matrimonial home, or if one will keep it and buy out the property from the other
A spousal buyout is technically a refinance, but the rules are different. Let’s review all the options and determine which will work best for the both of you, ensuring that you will both be in a good financial situation as you move on with your lives separately
We serve clients across Calgary, Cochrane, Airdrie, Chestermere, Strathmore, Langdon, and Okotoks, Alberta.