Services
Borrowed Down Payment
Most mortgages require you to come up with at least 5% down. If you don’t have that saved yet, there are still options. We work with products that allow you to borrow your down payment through a loan or line of credit and still access sharp, insured-mortgage rates, and we can help you set that line of credit up if needed.
This approach lets you get into the market sooner instead of waiting years to save, so you can potentially benefit from today’s prices and interest rates rather than tomorrow’s. The relatively small interest cost on the borrowed funds is often outweighed by what you might pay if rates or home values rise while you’re still saving. Reach out to us any time to talk through whether a borrowed-down-payment strategy makes sense for your situation.
Purchases
Purchases
Whether you’re purchasing your very first home or you’ve bought several properties before, we can connect you with competitive mortgage options and rates from a broad range of Canadian lenders.
Before you write an offer, we’ll walk you through options such as borrowed down payment programs, self‑employed solutions, rental and vacation property financing, and other specialized products so you understand how best to structure your purchase and how quickly you could be moving into your next home.
Renewals
Renewals
Close to 60% of homeowners simply sign the first renewal offer their lender sends out, without ever checking to see if there’s a better deal elsewhere. That can mean leaving thousands of dollars on the table over the next term.
Instead of automatically accepting the posted renewal rate, it’s smart to start exploring options four to six months before your term ends. Long before your lender reaches out, we can shop the market for you, compare lenders, and negotiate on your behalf so your renewal works in your favour—not just your bank’s.
Refinancing
Refinancing
There are many reasons you might consider a refinance. You may want to switch from a variable to a fixed rate for more payment stability, move to a better product now that your credit has improved, or access some of your home equity to fund renovations, investments, education costs, or to consolidate higher‑interest debt.
Tapping into your equity can be one of the most cost‑effective ways to access larger amounts of money, especially if your existing mortgage rate is strong. It’s important, though, to understand the pros and cons before you proceed. A conversation with a licensed mortgage professional—and ideally your financial planner as well—can help you decide how to structure a refinance so your equity is working for you, not against you.
Purchase Plus Improvements
Purchase + Improvements
Finding a home that’s perfect right out of the gate is rare. With a purchase‑plus‑improvements mortgage, you can buy the property that’s “almost right” and roll the cost of planned upgrades into your mortgage from day one.
Whether it’s a new furnace, updated flooring, or a full kitchen overhaul, improvement funds can be added to your mortgage and repaid as part of your regular payments. In many cases, you can finance up to roughly 10% of the purchase price for renovations under this type of program, often at rates that are lower than unsecured renovation loans or lines of credit. Talk to us to see if this structure fits your purchase plan.
Spousal Buyout Program
Spousal Buyout Program
Separation or divorce is never easy, and sorting out the family home is often one of the hardest pieces. With a formal separation agreement in place, we can help you use a spousal buyout program to refinance up to 95% of the home’s appraised value so that one partner can stay in the property, buy out the other’s share of the equity, and potentially tidy up joint debts at the same time.
These programs are not limited to married couples—they can also apply to common‑law partners or even siblings and friends who co‑own a property. If you’re in the early stages of this process, we’re happy to review your options, answer questions, and coordinate with your lawyer so the financing aligns with the terms of your agreement.
New To Canada
New to Canada
We’ve helped many newcomers purchase their first Canadian home and understand how overwhelming it can feel at the start. My role is to slow things down, explain each step clearly, and help you build a plan that works with your income, status, and available down payment.
Even if your Canadian credit history is limited and you only have 5% down, there may still be viable mortgage options. Whether you’re here as a permanent resident or on a work permit, we can also connect you with trusted realtors, lawyers, and home inspectors so you have a full support team around you.
Second Properties
Second Properties
Thinking about an income property or a second home? The required down payment depends on how you structure the purchase. If you buy a property specifically as a rental, you’ll generally need at least 20% down. If, instead, you purchase a new home as your primary residence and keep your existing home as a rental, your new place may qualify with as little as 5% down.
We can arrange for an appraiser to provide a market rent report so projected rental income can be used to help you qualify. The same applies when you’re buying a home with a legal suite—forecast rent from that suite may support a larger mortgage approval. For vacation homes that won’t be rented out, down payment requirements can also be as low as 5%, though using them as short‑term rentals brings different rules. Building equity in more than one property can be a powerful long‑term strategy, and we’re here to help you evaluate whether it’s the right move for your situation.
Vehicle Financing
Vehicle Financing
Beyond mortgages, we can also help with vehicle and recreational financing. Often we can restructure an existing auto loan by extending the amortization or improving the interest rate, which lowers your monthly payments. That freed‑up cash flow can support goals like saving for a home down payment or cleaning up other debts.
If you’re co‑signed on someone else’s vehicle loan, we may be able to help you exit that obligation, improving your debt‑service ratios for mortgage qualification. And when you’re ready to purchase a new vehicle, trailer, boat, or RV, we can access multiple lenders to seek out competitive financing options, at no cost to you.
Reverse Mortgages
CHIP Reverse Mortgage
For homeowners 55+ who are “house‑rich and cash‑flow tight,” a CHIP Reverse Mortgage can be a tool to turn equity into accessible funds without having to sell or make regular mortgage payments. It can help consolidate existing debt, supplement retirement income, cover rising living costs, or provide a buffer for unexpected expenses.
Clients who use reverse mortgages typically fall into a few categories: those needing relief from debt payments, those facing unplanned expenses such as home modifications or in‑home care, retirees wanting more cash flow to fully enjoy their retirement years, and those simply looking to maintain their current standard of living despite reduced income. If you see yourself in any of these scenarios, we can walk you through how a reverse mortgage works, what it costs, and whether it fits your broader retirement plan.
Insurance
Mortgage Life and Disability Insurance
Your home is a major asset, but your ability to earn an income is what makes the mortgage payments possible. Mortgage protection insurance is designed to help safeguard both. Plans like Manulife’s Mortgage Protection Plan (MPP) can step in to cover the mortgage balance or payments if you pass away, suffer a serious illness, or become disabled.
Unlike many bank‑tied products, portable coverage can follow you when you switch lenders or move homes, giving you flexibility in the future. Underwriting is generally flexible, and even if you don’t qualify for full protection, there are usually alternatives such as accidental disability coverage. Given how common disability‑related income interruptions are, adding mortgage protection at any point in your homeownership journey can provide meaningful peace of mind for you and your family.