Every project is unique. Your mortgage strategy should be too.
First-time buyer
Personalized guidance to help you understand each step, confirm your borrowing capacity, and move forward with your home-buying plans with confidence.
Mortgage renewal
Optimize your mortgage terms at renewal rather than simply accepting the first offer from your current financial institution.
Mortgage refinancing
Access the equity in your property to bring your plans to life or reorganize your finances strategically.
Self-employed
Get mortgage solutions tailored to the financial realities of self-employment, with a flexible, clear, and well-structured approach.
Reverse mortgage
Use the value of your home while continuing to live in it, based on your goals and situation.
Income properties
Structure your financing strategically to support your current projects while preserving your borrowing capacity for future opportunities.
The mortgage journey
Four simple steps to understand where your mortgage application stands and what comes next.
Initial meeting
We start with your situation, not a rate. We discuss your income, plans, and timelines to identify the options that truly fit your needs.
Application preparation
Together, we gather the necessary documents and I prepare your application for review. A complete, well-prepared application helps streamline the process and may support access to better terms.
Analysis and negotiation
I identify the lenders and solutions that fit your profile, then compare rates, terms, prepayment privileges, penalties, and flexibility to assess the financing as a whole.
Signing and follow-up
I oversee your application through the finalization of the financing and the transmission of the required documents to the notary. I remain available after signing to answer your questions and support your evolving needs.
Frequently asked questions
Simple answers to the questions I hear most often.
What is the difference between working with a mortgage broker and a bank?
A bank offers its own products and only its own products. I work with more than 20 financial institutions, which allows me to identify the lenders whose criteria are best suited to your profile. Lender requirements can vary significantly, and an application that does not fit one lender's criteria may be approved by another, sometimes on the same or better terms.
Do mortgage broker services cost anything?
For the vast majority of residential mortgage applications, there is no cost to you for my services, as my compensation is paid by the lender. Certain situations may involve fees, and these are always explained before any commitment is made.
I work for you, not for the banks. My role is to compare your options and advise you based on your situation and goals.
What documents should I prepare for a mortgage application?
The required documents vary according to your situation, but you will generally need two valid pieces of identification, proof of income, documents showing the source of your down payment, and details about your debts and assets.
For example, an employee may need recent pay stubs, T4 slips, and an employment letter, while a self-employed person will generally need more documentation to demonstrate income, including certain tax documents from recent years.
After our first call, I send you the exact list of documents required for your situation so you know precisely what to prepare.
What is the difference between fixed and variable mortgage rates?
With a fixed rate, your interest rate stays the same for the entire term. A variable rate changes with the lender’s prime rate, and its mechanics can vary depending on the product you choose.
The choice is not based only on the advertised rate. Your tolerance for fluctuations, plans, need for flexibility, loan conditions, and potential penalties should all be considered before making a decision.
How much should I plan for a down payment and closing costs?
The down payment required depends in part on the price and type of property as well as your situation.
In addition to the down payment, plan for purchase costs such as the notary, inspection, land transfer tax, tax adjustments, and other closing costs. Lenders generally ask you to show liquid funds equal to at least 1.5% of the purchase price, in addition to your down payment, to cover these expenses.
Actual costs vary depending on the property and transaction, which is why they are considered from the start when setting your budget.
My mortgage renewal is coming up: should I stay with my current lender?
Not necessarily. A mortgage renewal is an excellent opportunity to review your financing and determine whether the terms still align with your situation and future plans.
Changing lenders at renewal can generally be done without a prepayment penalty, although a new qualification and certain fees may apply.
Ideally, contact me four to six months before your renewal date. This gives us more time to analyze the possibilities, compare options, and prepare for what comes next.
I am self-employed: is it harder to get a mortgage?
It is different, not harder. Lenders assess your income differently, often over two years, and some accept calculation methods that others do not.
The key is to present your income and financial situation appropriately and identify the lenders whose criteria are best suited to your circumstances.
Let’s talk about your project
Do you have a real estate project, an upcoming mortgage renewal, or simply want to explore your options?
Share a few details about your situation and your needs. This will help us better understand your project and guide you toward the next steps that best fit your situation.
Every request is handled with care to help guide you toward the right next step.