Purchase ยท Refinance ยท Renew
Whether you're buying your first home, refinancing to access equity, or coming up to renewal, the approach is the same: I shop your mortgage across 50+ lenders โ major banks, credit unions, monoline lenders, and alternative lenders โ to find the best rate and terms for your specific situation.
Unlike going directly to your bank, a mortgage broker works for you, not the lender. I'm paid by the lender when your mortgage closes โ at no cost to you.
First-Time Buyers
Buying your first home in BC is one of the largest financial decisions of your life. I make the process clear and stress-free. I'll walk you through the First Home Savings Account (FHSA), the First-Time Home Buyer Incentive, BC's Property Transfer Tax exemptions, and how to structure your mortgage for maximum flexibility.
Pre-approval in as fast as 24 hours โ so you can make an offer with confidence when you find the right home.
Refinancing
Refinancing your existing mortgage can lower your monthly payment, consolidate debt, access equity for renovations, or restructure your mortgage at a better rate. I'll calculate the break cost of leaving your existing mortgage and compare it against the savings of refinancing โ so you know exactly whether it makes financial sense.
Mortgage Renewal
Your bank's renewal offer is rarely their best offer. Before you sign your renewal, let me shop the market. Switching lenders at renewal costs nothing and could save you thousands over your next term. Contact me 120 days before your renewal date to give us maximum time to find the best option.
Investment Properties
Growing your real estate portfolio in BC? I work with investors purchasing rental properties, secondary suites, and multi-family homes (up to 4 units). I understand how rental income is calculated by different lenders and how to structure purchases for optimal financing.