When income comes in waves.
Some months are strong and some are thin. An offset mortgage can suit that. Money sitting in your account lowers the interest you pay while it waits.
More mortgage options
Buying, refinancing, or financing a business.
The same way of working applies to all three: I listen first, show you the options on video, and put every cost in writing.
Book a 15-minute call
More mortgage options
- 01Buying a homeA clear plan before you fall for a house.Buying a home
- 02RefinancingChange the mortgage when your life changes.Refinancing
- 03Self-employed incomeYour income doesn't look like a pay stub.Self-employed income
- 04Business lendingMore finance for your business, and options when your request isn't straightforward.Business lending
01Buying a home
A clear plan before you fall for a house.
Whether it's your first home or your next one, we start with what you can comfortably afford, not the most a lender will give you. I'll get you pre-approved and explain what that does and doesn't promise.
No cost to you. The lender pays me.
02Refinancing
Change the mortgage when your life changes.
Renovations, a child's education, tidying up other debts. I'll show you what it costs to change your mortgage now, including any penalty, beside what it costs to wait.
No cost to you for most refinances.
03Self-employed income
Your income doesn't look like a pay stub.
If you run a business, your tax return rarely shows what you really earn. That's good accounting. It also makes a bank's mortgage form harder to pass.
Small business lenders read it differently. They look at your bank statements, your deposits and your expenses, not only what you filed with the CRA.
Fees apply and are disclosed first.
04Business lending
More finance for your business, and options when your request isn't straightforward.
I work with lenders who finance small businesses. This kind of lending usually carries a lender fee and a broker fee. You'll have both in writing before you decide anything.
Fees apply and are disclosed first.
I know these lenders.
- National Bank Optimum Mortgage
- Envision Credit Union
- Coast Capital Credit Union
From first call to keys, and after.
You get in touch.
I reply with a short welcome email explaining what comes next.
A quick application.
A secure link, so I have the basics before we speak.
A discovery call.
Fifteen minutes on where you are and what you want.
Documents.
I'll tell you exactly what I need. Nothing extra.
A planning session.
We go through your video and settle on the mortgage together.
The application.
I handle the lender.
Signing, then lawyers.
I stay in touch through both.
Keys, or funding.
After.
I check in, and I get in touch well before your renewal so there's time to look at your options. If your mortgage isn't working for you, or you need to pull equity, tell me and I'll show you what's available.
Am I the right broker for you?
I do my best work with people who have steady, provable income, are ready with their paperwork, and want to understand their mortgage, not just get one. If that's you, we'll get on well.
I'm probably not your best choice if you're rebuilding your credit, buying new construction, or holding four or more rental properties. Those need a specialist, and I'm glad to point you to one.
Common questions
How long does a pre-approval take, and what do I need?
Once I have your paperwork, a pre-approval usually moves quickly. I'll ask for proof of income, your down payment and your debts, and I'll send you a simple list so nothing is a guess. I'll also explain what a pre-approval does and doesn't promise.
How much do I need for a down payment?
It depends on the price of the home and how much you put down. A smaller down payment usually means the mortgage needs default insurance, which adds to the cost. I'll walk you through what your numbers look like before you start looking.
What does it cost to break my mortgage to refinance?
That depends on your lender, your rate type and how much time is left on your term. Most lenders charge a prepayment penalty, and the way they work it out differs. I'll get the real figure from your lender and show you whether refinancing still makes sense once it's counted.
Can I get a mortgage if I'm self-employed?
Yes. Lenders look at self-employed income differently, and uneven income doesn't rule you out. I'll look at how your income is reported and match you with lenders who understand it.
What fees come with business lending?
This kind of lending usually carries a lender fee and a broker fee. You'll have both in writing before you decide anything.
Do you work with clients outside South Delta?
Yes. I am based in South Delta and I work with clients across BC, by phone or video.