New Home Purchase – Buying a new home? Let me help you get a mortgage.
Refinancing & Renewals - If your current mortgage is coming up for renewal, let me shop for you for the best rate and switch you to another lender.
Home Equity Loan - Are you wanting to do renovations on your home? or make other investments? If you have equity in your home I can help you take equity out.
Debt Consolidation – For existing home owners who have other debt (ie. credit cards, loans, lines of credit) I can help you refinance your mortgage to consolidate debt and lower your overall monthly payments.

A Wide Variety of Mortgage Solutions.
I know that different people need different things in a mortgage. I offer homebuyers access to rate information and mortgage options from a wide range of lenders, including major banks and other lenders. 

Finding the Best Mortgage at the Best Rate. With the wide assortment of options and features available today for a mortgage, shopping around takes a lot of time and effort. The mortgage process can be intimidating to many Canadian homebuyers so it’s wise to begin with some advice from a professional. Simply talking with a Mortgage Professional can help you understand how much mortgage you can manage and allow you to explore both traditional and innovative mortgage options.

Finding the right mortgage for you is my business. What’s more, I know the system and have the industry knowledge required to present a proposal for financing to lenders to successfully obtain your mortgage financing.

Plus, as a VERICO Vivid Mortgage Professional I am compensated by the lenders, and in most cases I offer my services free of charge to our clients.

There are many reasons to refinance your home, such as pulling out equity from a property for other use, decreasing your monthly payment or simply looking to get a lower rate and save on interest. Whatever the case may be, it’s important to determine your motivation behind refinancing prior to moving ahead with the application. If you’re currently in a closed mortgage, which most people are, then you’ll likely be faced with a penalty when paying out an existing loan. It’s recommended that you call your bank to get a quote on what your penalty will be in advance to ensure the numbers make sense.

Good Debt and Bad Debt. Mortgages generally qualify as good debt; they are usually available at the lowest possible rates, represent a good investment in an appreciating asset, and make home ownership possible. Bad debt saddles you with high interest rates - often on depreciating assets. High credit card debt is one of the worst kinds of debt. But if you have equity in your home, then you have an opportunity to turn bad debt to good debt - by refinancing and rolling high-interest debt into your mortgage for big interest savings. I can talk to you about refinancing at any time.

Manage all of Your Debts. Often a new mortgage may be the best way to manage all of your debts. Moving your high-interest debt into a lower-rate mortgage is a great way to save on your overall interest costs, improve your cash flow, and begin the process of improving your credit rating. It’s great news that the right mortgage can help establish your reputation for credit-worthiness.

Sometimes the House of Your Dreams is the one You’re Already Living in. Maybe it just needs some new landscaping, an extra wing for your growing family, an expanded kitchen, or a swimming pool in the backyard. A record number of Canadians have taken advantage of the historic low mortgage rates and rising real estate values and have tapped into their home equity. There’s never been a better time to access the extra funds that can help bring your home to that next level of comfort. Consider accessing the cash you need for the improvements you’ve been dreaming about.

Types of Mortgage Rates
Fixed Mortgage
This implies the rate is fixed for the duration of the term. A typical fixed mortgage is for 3 to 5 years.

Variable Mortgage
The rate fluctuates with the prime rate, with a discount usually given below prime, but sometimes it is a premium added to prime. ie. Prime minus or prime plus x.

Closed Mortgage
Most mortgages are “closed” as these rates are lower and the only drawback is that a penalty must be paid if the term is broken early.

2nd Mortgage
A home equity loan can help to consolidate debt or be a quick and easy way to generate money quickly. Use your home equity, with a higher interest rate, as a temporary way to help your situation.