If you are planning to buy your first home it’s a big change and I can make that process easy. Biggest considerations for Canadians who are ready to buy a house is credit history and the down payment part. You do not need to worry. I am here to save you from the trouble on credit, and all the paperwork. I can streamline all that process for you and if you do not have any established credit, we can still help you qualify for a mortgage with three months of employment history and by demonstrating credit worthiness to your lender…

It doesn’t matter if your office is a garage, a downtown shared space or the front seat of your pickup truck, being your own boss is truly a thing of beauty. Of course, being self-employed comes with a lot of perks like flexible working hours, charting your own destiny, and the allure of a cubicle-free paradise. But, does it seem like the Canadian mortgage products were designed for the typical T4 employee? In the scenario when you are self-employed most lenders require that personal tax notices of Assessment from the past 2-3 years be included with the mortgage application. If you…

Mortgage renewal is an important financial decision that is equally as important as selecting your first one. At the time of renewing your mortgage, it is important to remember that you are in a stronger financial position, because you have enough equity grown in your house by that time. By decreasing your principal loan balance you are in a much stronger position to negotiate. Approximately 60% of borrowers simply sign and send back their renewal that is first offered to them by their lender without ever shopping around for a more favourable interest rate. This can often result in higher…