For standard residential mortgages, my services are paid by the lender — not by you. There's no fee for advice, applications, or approvals.

Most clients get a real, lender-issued pre-approval within 24–48 hours of submitting documents.

Most A-lenders prefer 680+, but I have B-lenders and private lenders that work with scores from 550 and below. There's almost always a path.

Depends on your cash-flow tolerance, time horizon, and the rate spread. I'll model both scenarios for you before you decide.

Absolutely. Self-employed and BFS mortgages are a specialty — I have lenders comfortable with stated income, T4A, and corporate financials.

For homes under $500,000, the minimum is 5%. Between $500,000 and $1.5 million, it's 5% on the first $500,000 and 10% on the rest. Homes priced at $1.5 million or more require at least 20% down.

I'm licensed in Ontario, but I work with a Canada-wide network of mortgage professionals. If your purchase is in another province, I'll connect you with a trusted partner there who can handle it locally.

Send me your renewal letter. I'll benchmark it against the market within 24 hours and tell you whether to switch or stay.