Buying a home is both: exciting and nerve wracking, my job is to simplify and educate you about mortgages, so you make good decisions based on your situation.

I specialize in Mortgage Intelligence, educating people about mortgages, how they work and what lenders are looking for.  Everyone's home purchasing situation is different, so working with me will give you a better sense of what mortgage options are available based on the 4 strategic priorities that every mortgage needs to balance:

• lowest cost
• lowest payment
• maximum flexibility
• lowest risk 

The fine print in the mortgage contract can far outweigh the rate being offered.

Most Canadians are conditioned to think that the lowest interest rate means the best mortgage product. Although sometimes that is true, a mortgage is more than just an interest rate. You can save yourself a lot of money if you pay attention to the fine print, not just the rate.

Banks tend to concentrate on the 5 year fixed mortgage rate (since that’s the best option for them)… rates are important, however I look at the total cost of the mortgage.  I will advise & explain mortgage options, help you understand the implications of your choice and help you avoid the pitfalls of choosing a mortgage based on rates alone. 

Typically, I set up a time to chat/meet with potential home buyers to discuss their home ownership dreams and learn more about where you expect to be in 5-10 years.  Once I understand your goals, I make suggestions on various mortgage products, and together we figure out which option would be the best fit for your situation.

In a perfect world I would LOVE to meet people 3 months-3 years prior to them planning on purchasing a home, so I can work with them to put together a home ownership game plan.

My services for a typical mortgage are FREE (I get a finders fee from the lender) and I help people save money.  I LOVE my job!