Let's chat: 1-306-281-9224
I don't just take care of clients when they buy the house. I'm hoping it's going to be life-long.
It would make me so happy to see you achieve your home ownership goals so please reach out at any point to discuss your options or ask questions. As I know we all have busy lives, I have a very flexible schedule that can accommodate even the fullest agenda. I look forward to working with you and helping to make your dreams a reality!
  • I love what I do
    Nothing gets me more excited than seeing my clients approved for their first home, or calling them to tell them that they can make an offer on their dream property. For me, it's about improving people’s quality of life and making their dreams come true.
  • I'll find the best fit for you
    With a decade of experience in the finance industry, I understand all options available to my clients, and work hard to find the best solution for them. Being a Mortgage Broker allows me to work with over 20 different lenders, and have more resources at my disposal so I can always find the best fit for clients.
  • No charge to you
    My services are 100% free for all of my clients, OAC, with a wide range of offerings available to serve all mortgage needs, including; down payment options, credit counselling, mortgage renewals, refinancing, mortgage and debt consolidation, home equity, lines of credit, and chip reverse mortgage.
Why Should You Use My Services?
It would make me so happy to see you achieve your home ownership goals so please reach out at any point to discuss your options or ask questions. As I know we all have busy lives, I have a very flexible schedule that can accommodate even the fullest agenda. I look forward to working with you and helping to make your dreams a reality!
THINK OUTSIDE THE BRANCH FOR YOUR MORTGAGE
New Mortgage
Need a new mortgage? I'll help you pick the right fit for you and your budget.
Renewal
When it comes time to renew your mortgage, I'll help you review your options and make the renewal process simple and easy.
Refinancing
Sometimes, refinancing is your best option for a variety of reasons. Let me review your options and do the hard work for you!
Investing Into Your Mortgage Is Investing Into Your Future.
I'm here to help with your mortgage needs, refinancing, new home purchases or mortgage renewals.
Types of Mortgages

 

A fixed mortgage is the best option for you if you want the security of knowing your monthly payments will be the same every month for the term of your mortgage. Terms for fixed mortgages range from 6 months to 10 years, and you will know exactly how much principal and interest you will be paying during that term. Fixed rate mortgages offer some form of pre-payment, ranging from 10% to 20% of the original mortgage balance each year, depending on the lender. The benefit of this type of mortgage is the peace of mind of knowing exactly what your payments will be. This can be an attractive option if you have no plans to pre-pay it in full during the term you select.

Penalties: With a fixed mortgage, if you wish to pay off your mortgage in full, there will be a penalty the greater of either 3 months simple interest, or an Interest Rate Differential (IRD).

 

A variable rate mortgage is a good fit for you if you are comfortable with the possibility of your payments fluctuating. The benefit of this type of mortgage is it allows you to take advantage of today's low Prime Rate. Most variable rate products are set below prime, and terms range from 3 to 5 years. Payments vary depending on the product or lender you choose. In some cases, you can fix your payments for up to 5 years, but the interest rate will fluctuate as the Bank Prime Rate changes. In other cases, your monthly payments will alter depending on how many times the Prime Rate changes during your term.

An open rate mortgage is the right mortgage for you if you are comfortable with higher payments that offer you more flexibility. This solution works best as a short-term solution for certain circumstances. The benefit of an open rate mortgage is it allows you the option to pay off some, or all of the mortgage at any time, without penalty. Payments are higher due to the freedom you are granted, but you usually have a higher interest rate that is tied to the Bank Prime for that extra option.

A secured line of credit allows you to access the equity in your home whenever you choose. To be approved for this type of financing, you must have positive equity in your home. This can be an attractive option for you if cash flow is important, as the required payment on the balance can be only the interest, if you choose. Rates are tied to the Prime Rate and is typically Prime + .50% for this type of option. The benefit of a secured line of credit over an unsecured line of credit is that the interest rate is lower.

The Rates, Today
Because I work with a wide variety of lenders I can access competitive, lower-than-advertised interest rates. Check back often to see how these rates compare to average bank rates.
How Much Can You Afford?
Find Out What Payments Are Achievable For You Given Your Current Financial Picture
My Happy Clients
Contact me! Let's get started today!

Get in touch with me today for your free consultation!

It would make me so happy to see you achieve your home ownership goals so please reach out at any point to discuss your options or ask any questions.