Mortgages made human. The right plan is everything!
Homeownership & Personal Mortgages
Start with clarity. We’ll determine a comfortable budget, secure a pre‑approval, and map your down payment (including gifts and available incentives). You’ll know exactly what documents are needed and what to expect from offer to keys.
Did you know you can put a 5% down payment on 4 separate occasions. That is applicable for 4 different properties! Call to find out how! This is not reserved just for first time home buyers.
Don’t auto‑renew. We’ll shop the market, compare terms, and align the mortgage to your next 3–5 years. Even a small improvement on rate or features can add up.
This is the perfect time to reassess what you would like to do with your equity or prepare for your mortgage payments to either increase or decrease is strategically reviewed by a broker.
Roll high‑interest balances into your mortgage, simplify payments, and free up cash flow. We’ll consider timing, penalties, and whether a refinance or a HELOC is the smarter move.
Access a revolving line of credit secured to your home — pay interest only on what you use. Useful for renovations, education, investments, or emergencies. We’ll set healthy limits so it supports your plan.
Maybe you want to purchase 5 unit properties or a 4-plex or 8-plex; perhaps you need help navigating MLI Select programs. Let us help you navigate those complex deals.
If you do not have enough cash in your RRSP you can take out a short term RRSP Loan in order to use it for a down payment. That means using the bank's cash as a down payment and leaving your savings intact! Certain conditions apply to ensure you are in accordance with the Canadian Home Buyers Plan guidelines. Contact us today to learn more!
Bank statements, stated‑income programs, and allowable add‑backs can tell the full story of your income. We’ll present the file properly and match you with lenders who understand entrepreneurs.
Whether you are starting a Hobby Farm, refinancing/expanding your current farm, or simply want to live in the rural countryside – we have lenders that can make that happen!
We can help you secure financing for empty plots of land as well. Remember land only purchases carry more risk so lenders often ask for 35% to 50% depending on the location and use case.
Investors & Advanced Financing
Acquisition, renewal, refinance, or construction — owner‑occupied and investor files. We’ll discuss covenants, DSCR, amortization, and terms that fit operations.
Maybe you want to purchase 5 unit properties or a 4-plex or 8-plex; perhaps you need help navigating MLI Select programs. Let us help you navigate those complex deals.
Everyone has heard of MLI Select but few ever qualify or make it to the end of the process. We can point you in the right direction to help you qualify. You can alternatively try to qualify direct with the banks although that process can be difficult for most new investors to manage.
If you have poor credit, T4's do not show great income, or a cash business - then we can arrange seller financing or use private lenders to get you real estate. There are fees involved but worth it for the short term. Once your credit is back on track and income is aligned we can qualify you for a traditional mortgage with one of the 60 lenders we work with.
From duplexes to short‑term rentals, we structure financing to balance cash flow and risk. We’ll talk stress‑tests, rental add‑backs, and exit options so each door fits your portfolio strategy.
Specialized & Faith-Based Solutions
Whether you are fresh out of medical or dental school and/or an existing practicing doctor that would like to open a clinic or own real estate - we have special programs for you! Do not worry about your student loan debt - we base this on projected income. This process is easier with a mortgage broker than it is with a traditional bank.
For clients seeking a Shariah-compliant alternative to traditional mortgages, we offer Halal home financing through two specialized Islamic lenders.
These programs are structured around co-ownership (Musharaka) rather than interest, making them suitable for clients who want their home financing to align with their faith. Options are available for purchases, refinances, and transfers, with a minimum 20% down payment required.
Halal financing works differently than a conventional mortgage and isn’t a fit for every situation — which is why a short conversation is the best place to start. I’ll walk you through how it works, what to expect, and whether it makes sense for your goals before you move forward.
Fee rates start from 6.5% and up!
Book a call to learn more and see if you qualify.
Education, Coaching & Partnerships
For realtors, builders, lawyers, accountants, or anyone looking to collaborate.
We’ll map out referral systems, co-marketing opportunities, weekly lead-sharing processes, and how to increase deal flow on both sides.
Ideal for: High-performers who value speed, clarity, and execution.
Outcome: A plug-and-play partnership model to grow your business instantly.
If you are looking to become part of my referral network featured on my:
- website
- socials
- email newsletters
- client meetings
We do expect an exclusive partnership where we are your number 1 choice for your clients in return.
We don’t charge to promote you.
High-energy. Zero fluff. Real skills that create real money.
Schools don’t teach money.
I do.
Perfect for:
• Schools & Universities (age-adapted)
• Community Programs & Youth Groups
• Corporate Teams
• Clubs & Events
They learn:
• How to make money now
• Fast credit-building systems
• Tax hacks that save thousands
• Incorporation vs. Sole Prop (and why it matters)
• How to buy a home with little to no savings
• How cash-based earners still qualify for financing
• Real tools, apps, and systems that make money easier
This is not a lecture.
It’s interactive, fun, and packed with strategies they can use the same day.
Students go from passive → engaged → empowered.
Available in-person or virtual.
Fix your finances. Increase your cashflow. Change your life in 90 days — or it’s free.
You’re not “bad with money.”
You just don’t have a system.
If you’re:
• A new grad
• Drowning in debt
• Struggling to save
• Unsure how to increase cashflow
• Confused on how to buy a home or get ahead…
Then this is for you.
What we do:
- Break down your money (income, spending, debt, habits)
- Build a plan you can actually follow
- Create predictable cashflow and momentum
- Remove the stress, confusion, and guesswork
My Guarantee:
If your situation doesn’t noticeably improve in 90 days…
You get 100% of your money back.
Plus — you get direct access to my entire national network of accountants, brokers, lawyers, realtors, lenders, credit pros, and business specialists.
Zero risk. All upside.
Let’s explore if we’re a fit.
Whether it’s brand collabs, TikTok/IG Reels, joint campaigns, product reviews, or partnerships — this call is where we align vision, audience, and ROI.
What we cover: concept ideas, expectations, deliverables, timelines, budget.
Outcome: A green light or a clean “not right now” — no guessing, no confusion.
Fixed vs. Variable — What’s right for me?
Fixed rate
Stable, predictable payments for the full term.
Ideal if you want consistency, set budgets, and protection from rate changes.
Note: Prepayment penalties on fixed terms are often based on Interest Rate Differential (IRD), depending on the lender.
Variable/Adjustable rate
Moves with the lender’s prime rate.
Your payment or the interest portion may change during the term.
Historically, these can outperform fixed rates over long periods — but expect short-term ups and downs.
Note: Penalties are typically 3 months’ interest on most variable options (varies by lender and program). You can also switch to fixed at any time but can only get the market available fixed rate from your lender.
How We Choose the Right Fit
We look at your:
- Timeline: how long you’ll stay before moving or refinancing
- Cash-flow comfort
- Income stability
- Flexibility needs: prepayments, lump sums, etc.
Then we model simple scenarios so you can choose a mortgage that fits your life, goals, and risk tolerance — not the headlines or hype.
