Whatever your file looks like, there's a lender who fits it.
Finding that lender is the job. Pick the one that sounds like your situation.
First-time buyers
Down payment minimums, the stress test, BC Property Transfer Tax exemptions, FHSA and HBP — explained in plain numbers.
LEARN MORE →Self-employed & BFS
Two years of T1 Generals, add-backs, retained earnings. The right lender reads the whole story, not just line 15000.
LEARN MORE →Renewals
Your lender's renewal letter is an opening offer. Knowing what else is available is what gives you options.
LEARN MORE →Refinance & debt consolidation
Pulling equity out, consolidating higher-interest debt, or funding a renovation. The penalty math matters — I run it first.
LEARN MORE →Reverse mortgages
Age 55+, no monthly payments, up to 55% of your home’s value. A real option in the right situation — and often not the cheapest one.
LEARN MORE →Rental & investment
Rental offset vs. add-back, portfolio limits, and which lenders will go past four doors.
LEARN MORE →Construction & self-build
Draw schedules, holdbacks and stage appraisals. A different animal from a standard purchase.
LEARN MORE →New to Canada
No Canadian credit history yet? There are programs built exactly for this, and most people never hear about them.
LEARN MORE →Alternative & private
Credit unions, B lenders and private financing — for income, properties or timelines a bank's template doesn't fit. A bridge, with a planned way back.
LEARN MORE →Let's talk about your application.
Send me a few details and I’ll come back to you the same business day. From there we can have a proper conversation about what makes sense for you.
Prefer to talk? 250 328 5772