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Buying a Home

Buying a home whether for your first time, second, Purchase Plus Improvements, Vacation Property, New to Canada, Self Employed, previous bankrupt or bad or blemished credit - Life happens, it can all be a stressful experience if you are not properly prepared and informed. If your bank declines you because 'Your outside their guidelines' or bruised credit, I can help! I will walk you completely through the process up front and make you aware of what you can expect. 

Home Buyers’ Plan (HBP)

You can use the money accumulated in your RRSP towards a down payment for your home. You can borrow money for making an RRSP contribution which along with the resultant tax refund, can be used for a down payment on your house. There are certain qualifications for using your RSPs as a down payment so please contact me for full details!


Un-leash the equity from your home to payoff other debts, invest in your retirement or just have fun!
If you have built up e
nough equity in your property it may make sense for you to refinance in order that you can access the equity for any number of reasons such as investing, renovations or paying off other higher interest rate debts. Even if you have previous bruised credit or don't fit in your 'Banks Box' I can still help through non-traditional sources.
If you refinance your property for the purpose of investing, the interest you pay may be eligible for write off against investment income.

It is best to talk to your tax advisor for more information on this topic.

Mortgage Renewals

Don’t get stuck with a higher rate than you deserve! Don’t do what most mortgagors do!
If your Mortgage is coming up for renewal don’t just sign the renewal form that is sent out to you and return it to your bank or mortgage company. The majority of mortgage holders, as amazing as it seems, do. This will result in a higher rate and inflexible mortgage product for your changing needs!

The market is ever evolving with new and better mortgage products, and your best rate is secured through a mortgage broker.

Another lender will typically offer you a better rate and no cost to switch.

If your mortgage is not up for renewal yet, based on the remaining term and rate, it may be worthwhile to explore your options to see if I can help save you thousands in interest costs by obtaining a new mortgage at a lower rate.

Reverse Mortgage

Unlike secured lines of credit, conventional mortgages, or home equity loans, a Reverse Mortgage requires no repayment for as long as you live in your home. The loan is repaid from your estate, or by you if you decide to sell or move. The loan amount to be repaid is guaranteed not to exceed the fair market value of your home at the time it is sold, protecting the balance of your estate.

You retain complete control of your home with the freedom to move or sell at any time.

It is designed exclusively for homeowners age 55 or older. This age qualification applies to both you and your spouse. You can receive up to 55% of the value of your home. The specific amount is based on your age and that of your spouse, the location and type of home you have, and your homes current appraised value. You can contact me and I can quickly give you an estimate of how much you may be approved for.

Proceeds from the reverse mortgage are tax-free, and make no difference to income-tested government benefits. This makes a Reverse Mortgage a tax-friendly alternative to taking extra RRIF withdrawals or cashing in non-registered investments.

Purchase Plus Improvements

First Time Homebuyers Guide

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