Buying a home
Purchase Mortgages
A financing plan built around the home you actually want.
Buying property is likely the biggest financial move you will make — so it deserves more than the one rate your bank happens to offer that week. I take a single application and shop it across 90+ lenders to find the combination of rate, terms and flexibility that fits the home you are buying and the life you are building around it.
More than the lowest rate
The cheapest advertised rate often comes with the most restrictive fine print — high break penalties, limited prepayment room, or a lender that is difficult to deal with at renewal. I look at the whole picture: your down payment, amortization, prepayment privileges and how long you plan to stay, then match your file to the lender that rewards it.
Get pre-approved with confidence
A proper pre-approval tells you exactly what you can afford and locks a rate hold while you shop, so you can make an offer without second-guessing your budget. Real-estate agents and sellers take pre-approved buyers more seriously, and you avoid falling in love with a home outside your range.
Down payment rules in Canada
You need at least 5% on the first $500,000, 10% on the portion between $500,000 and $1,500,000, and 20% on anything above $1,500,000. With less than 20% down, default insurance applies and is added to your mortgage. I walk you through the numbers so there are no surprises at closing.
Let's build your mortgage strategy.
One conversation. 90+ lenders. Zero obligation. Book a call or start your application whenever you're ready.