Tools & Answers to Put Your Mind at Ease

This depends on your income, debts, down payment, and the current interest rates. A pre-approval will give you a clear number — and it's free and no-obligation.

A fixed rate stays the same for your entire term — predictable and worry-free. A variable rate can change with the market, sometimes saving you money, but with more uncertainty. I'll help you decide which fits your comfort level.

In Canada, you need at least 5% down for homes under $500K. For homes $500K–$999K, it's 5% on the first $500K and 10% on the rest. Over $1M requires 20% down.

If your down payment is less than 20%, you'll need mortgage default insurance (like CMHC). It protects the lender, but the cost is added to your mortgage. I'll explain exactly how this affects your payments.

Absolutely. Self-employed mortgages are one of my specialties. Even if your income is harder to prove on paper, there are flexible programs designed for your situation.

Your bank offers only their own products. As a broker, I shop across 50+ lenders to find you the best rate and terms. My services don't cost you anything extra — lenders pay my fee.

We start with a conversation about your goals. Then I gather some documents, get you pre-approved, and handle everything with the lender. I keep you updated every step of the way — no surprises.

Pre-approval can happen within 24–48 hours. Full approval depends on the lender and your situation, but I work to make it as fast as possible.