Banks can only offer you their own mortgage products. As a mortgage broker, I work with a wide range of lenders - including major banks, credit unions and alternative lenders - to find the product that best fits your financial goals. I advocate for you, not the lender, and my service comes at no cost to you (in most standard situations).

The minimum amount you need for your down payment depends on the purchase price of the home. If your down payment is less than 20% you will need mortgage loan insurance.

If the purchase price is $500,000 or less, 5% of the purchase price is the minimum down payment. If the purchase price is $500,000 to $1,500,000, 5% of the first $500,00 of the purchase price and 10% for the portion of the purchase price above $500,00 is the minimum amount. For $1,500,000 or more, 20% of the purchase price is the minimum amount.

There are also first time home buyer incentives and programs that can support you - I’ll walk you through what you’re eligible for.

I recommend starting the process 3-6 months before your renewal date. That gives us time to compare options and lock in a better rate or structure before your current term ends without rushing.

Yes - refinancing your mortgage to consolidate high interest debt is a common strategy. It can help simplify payments, reduce stress and free up cash flow. This needs to be timed and structured properly, I’ll help you assess whether it’s the right move for your situation.

It’s a bit different - but not harder with the right prep. We’ll work with lenders who understand self-employed income, even if it’s variable or drawn through dividends. I’ll guide you through what documents are needed and how to present your finances clearly so you get the best terms available.