• Purchase
• Refinance
• Renewal
• Private Mortgages
• Reverse Mortgages
• Pre-approvals
• Self-Employed mortgages
• Equity-Take Outs

You can apply online through our secure portal or schedule an appointment that is convenient for you.

Once all documents are received a residential pre-approval typically takes 1-10 days. Download my free Mortgage Tool Mobile App and get a pre-qualification instantly!

Rates are primarily influenced by market conditions, your credit score, the loan-to-value (LTV) ratio, and the mortgage type and terms. Contact us now to get an idea where you stand. We'll help you take steps to qualify for lower rates.

Your payment typically includes Principal, Interest, property Taxes, and default (CMHC) Insurance if applicable (often referred to as PITI). Check out our Purchase Calculator on our Mortgage Tools Page

Yes, typically percentage of a mortgage can be paid off without a penalty, but this varies with every mortgage product. We will always explain your options, discuss your future goals, and help you choose what is best for you. Contact Us Now if you have any questions at all.

Yes, in-person consultations can be arranged! You can schedule an in person, telephone or video appointment using our online booking link, or by calling us at 780-520-5466

A mortgage broker acts as an intermediary between you and potential lenders, helping you find the best mortgage product suited to your financial situation. They guide you through the application process, ensuring you understand all terms and conditions. For more information read Broker vs Banker

Mortgage brokers are typically paid by the lender once a mortgage deal is finalized. This means their services often come at no direct cost to you, allowing you to benefit from their expertise - for free.

Yes, mortgage brokers have access to a wide range of lenders (90+), hundreds of products, and exclusive deals that may not be available directly to consumers. This is what most often allows us to secure better rates and terms for you. If we can't find you a better rate, we're obligated to tell you so.

Using a mortgage broker offers several advantages, including access to a broad range of lenders, expert advice tailored to your needs, and assistance in navigating complex paperwork efficiently. Additionally, we work around your schedule and use integrated process to make it easy for you.

Typically documents include proof of income, identification, credit history, and details of other  debts and assets, along with details about the property you are purchasing, renewing or refinancing. Your broker will guide you on the exact requirements based on your situation. 

 Yes, in Canada, mortgage brokers are regulated by provincial authorities to ensure they adhere to industry standards and protect consumer interests. This means we have legal duties to be confidential, give you unbased advice, and suggest products that are the best choice for you today and to help you reach your goals tomorrow. All this for free.

Absolutely. A good broker will present you with multiple options and help you understand each one so you can make an informed decision that best suits your needs, but ultimately we are here to give you expert advice and act for you.

The process can vary depending on your circumstances but generally takes between 2-4 weeks from application to approval. Your broker will keep you informed every step of the way. It's BEST to start the process at least 60 to 90 days in advance to accommodate any bumps in your Credit Bureau, get hard to find documents, and make the process smooth and stress free. Lenders will typically hold rates for this long too - so it makes sense.

Yes, brokers specialize in finding solutions for clients with unique financial situations, such as self-employment or less-than-perfect credit histories. If you have a situation - there's probably a lender that specializes in it. Contact Us in confidence today - we are here to help.

Not all brokers offer additional services but most will provide advice on refinancing, debt consolidation, and other financial products that can help improve your overall financial health. With a 10 year background helping small business owners  - we can provide advice on everything from Credit Score Improvement to Government and community programs and services that can help you. We love to help. Connect Now!

We are readily available by phone, email, video conferencing, or in person -  to address any questions or concerns promptly throughout the entire mortgage process. Connect now.