The maximum isn’t a target
A lender can qualify you for an amount well above the one where your budget stays comfortable. The gap between the two is taxes, heating, and what you want left over to live on. The maximum is a ceiling, not a goal.
Property purchase
You’re looking at a house, a condo, or a plex, and you want to know how much you can borrow, and more importantly, how much you should borrow.
I handle the financing, from the first calculation through to closing. You shop knowing exactly where you stand.
Discuss my projectI shop your mortgage for you
I have access to more than twenty lenders: major banks, credit unions, and specialized lenders. I compare rates, but also penalties, prepayment privileges, and transfer conditions: the clauses that cost you when life changes.
Your bank offers you its own products, and nothing to compare them against. I put the same file in front of more than twenty lenders and negotiate for you. If your file is straightforward, that often means a better rate. If it falls outside the frame (self-employed, newcomer, rental income), it means finding the lender who says yes, instead of taking a refusal and starting over.
How it works
- We talk
Fifteen minutes on the phone. Your project, your income, your down payment. No documents needed to start.
- Prequalification
I give you a realistic price range and the payment that comes with it. You shop knowing where you stand.
- You find the property
Send me the offer. I build the file and negotiate with the lenders.
- Closing
I coordinate with the notary and stay available until the funds are released.
Two figures to know before you make an offer
The down payment doesn’t cover everything
Legal fees, inspection, and transfer duty come on top, and they run into the thousands. That’s separate money, which you need in addition to the down payment, not inside it.
What it costs you
In most files you pay nothing: I’m paid by the lender that secures your financing. What it costs, in detail
Two useful calculations before making an offer
A starting figure, not a substitute for reviewing the file and the property.
Frequently asked questions
When should I speak with a mortgage broker?
Before the serious viewings start, ideally. We set a price range, check the down payment, and I spot what could block the financing. If you’ve already found the property, send me the price, the dates, and the planned down payment: I’ll update the scenario quickly.
Does a prequalification confirm my financing?
No. It’s based on what we know at the time of the calculation. The lender still has to review your situation, your credit, your documents, and the property securing the loan. I tell you what’s already solid, what still needs confirming, and which conditions to keep in your offer.
Which costs should I expect beyond the down payment?
Depending on the transaction: legal fees, inspection, appraisal, transfer duty, tax adjustments, moving, and the property’s first expenses. I keep them separate from the down payment, otherwise the same money ends up counted twice.
Can an employment change or new debt affect my capacity?
Yes. A new job, a probation period, a car loan, a credit card filling up, an increased line of credit: all of it changes the file. Tell me before the offer and before closing. I redo the scenario and explain what needs checking, rather than letting an old calculation stand as the reference.
Why does property type affect financing?
Because the lender also reviews the property securing the mortgage. A condo, an income property, a rural home, a building needing work, or an unusual construction can call for extra documents, an appraisal, or a different set of criteria. I check that early, so a general budget doesn’t get applied to a property that falls outside the usual frame.
Compare mortgage terms from different lenders.
Major banks, credit unions, and specialized lenders each apply their own criteria, products, and terms. A logo does not mean that a mortgage will be offered or approved.
Another mortgage need?
First purchase
Mortgage renewal
Mortgage refinancing
Debt consolidation
Self-employed borrower
Rental property
Newcomer mortgage
Private mortgage