As a Professional Mortgage Broker I show you how to get the most out of your mortgage. Whether you are purchasing, renewing or refinancing I customize the best mortgage product for your needs.


Rate Mortgage

The interest and payments for this mortgage are locked in for the duration of the mortgage term. For example a 5-year fixed rate mortgage at 3.00% means your payment will stay the same for 5 years. This type of mortgage is popular among First-Time Homebuyers.

  • Consistent Payment, Easy to Budget
  • Protected from rising Interest Rates
  • Set it & Forget it
  • Rates typically higher over Variable Rate
  • Higer Penalties

“Those who want the security of a consistent payment”

Rate Mortgage (ARM)

The interest rate for this mortgage is attached to the Prime Rate. Your payments will increase or decrease with the change in prime rate. For example a 5-year variable rate mortgage with P-0.95% means your mortgage rate is discounted by 0.95% off of the prime rate. This type of mortgage is popular among repeat buyers and rental property owners.

  • Historically proven to be less expensive
  • Low Penalties
  • Great alternative to a Short-Term Fixed
  • Uncertainty of significant change in Prime Rate

“Those who want to keep their options opened”


A special mortgage product that allows you to take a lump sum of cash, between 1-5%, out upon closing. Only available in a Fixed Rate Mortgage with a premium rate.

  • Ability to access cash

“Those who need to access cash when purchasing”

  • Renovations allowed are subject to approval

Purchase Plus Mortgage

A special mortgage product that allows you to add renovations into the mortgage. For example if the purchase price is $200,000 and the renovation costs are $21,000 the new purchase price will become $221,000. This is great for those who want to customize their new home purchase.

  • Ability to renovate upon purchase
  • As little as 5% down payment
  • Cheaper then Loans or Lines of Credit

“Those who want to customize their new home purchase”

Buyout Mortgage

A special mortgage product that allows one spouse to buy the others interest out of the home. 

  • Allows one spouse to remain in the home
  • Great alternative to Refinancing

“When one spouse purchases the others interest in the home”


A special mortgage product where you only make interest payments. With low payments it frees up cash-flow for other purposes. For example those who want to access cash for other investment opportunities.

  • Low Payments
  • Access to Cash-Flow
  • Flexible
  • Premium Interest Rate

“Those who want to free up cash flow”


A special mortgage product that is designed to help homeowners over 55 access up to 55% of the value of their home.

  • No regular Mortgage Payments
  • Receive Tax Free Cash
  • Maintain Ownership of your Home

“Those who are retired and wish to stay in their home”


A short-term mortgage providing solutions for builders, those with CRA debt, credit repair, blanket mortgages and more. For example when a builder needs funds to complete the build.

  • Short-Term
  • Flexible
  • Allows Traditional Lenders to assume mortgage after
  • Premium Interest Rate

“Those who need a short-term solution”

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(709) 770-9194

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Most Canadians are eager to buy homes – poll

While the Canadian housing market has been characterized by consistent price growth over the past few years, a vast majority of home buyers in 2019 held positive viewpoints toward the idea of purchasing a residential property, according to a new nationwide analysis by Canada Mortgage and Housing Corporation.

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Mortgage Renewal

Renewal Rate Shock Diminishing, Says BoC

Falling mortgage rates over the course of 2019 have reduced the rate increase shock for those renewing a mortgage. While those renewing a mortgage this year are still locking in at a rate higher than their previous rate, that increase is quickly declining, according to data from the Bank of Canada. “The average household renewing […]

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