Full-spectrum mortgage solutions for Ontario borrowers.
From first homes to complex commercial deals — whether you fit a traditional bank or need an alternative lender, I build a path forward for real-world situations.
Purchase & Home Financing
Whether you're buying your first home, upgrading, or relocating within Ontario, I match you with a lender whose program fits your income type, credit profile, and down-payment source.
- Detached, semi, townhouse, and condoAny primary residence property type.
- High-ratio and conventionalFrom 5% down with insurance, to 20%+ conventional.
- Insured, insurable, and uninsurable filesI price across all three channels for your most competitive available option.
- Gifted down payment acceptedProperly documented gift letters from immediate family welcome.
Your first home, done right
The first mortgage is the most intimidating one — but it doesn't have to be. I walk you through every step, from pre-approval to closing, and make sure you're using every government incentive you qualify for.
- First-Time Home Buyer IncentiveFederal shared-equity program for eligible buyers.
- RRSP Home Buyers' Plan (up to $60,000)Tax-free withdrawal from your RRSP for down payment.
- Land Transfer Tax rebatesUp to $4,000 in Ontario, with additional Toronto rebate where applicable.
- 30-year amortization on first-time newly-built homesExtended amortization option for eligible buyers.
Don't just re-sign — re-negotiate
Renewal time is often the best opportunity to improve your mortgage. Refinancing can lower your rate, consolidate high-interest debt, fund renovations, or free up equity for investment.
- Rate & term refinanceLock in a better rate when the math makes sense, even mid-term.
- Debt consolidationRoll high-interest credit cards and loans into one low-rate payment.
- Equity take-outAccess up to 80% LTV for renovations, investment, or tuition.
- Switch at renewal with no penaltyMove to a better lender when your term ends — often at zero cost.
Your home's equity, working for you
A Home Equity Line of Credit gives you revolving access to the equity you've already built — only pay interest on what you use, draw and repay on your own schedule.
- Up to 65% LTV on HELOC (80% combined with mortgage)Standard Canadian HELOC limits.
- Readvanceable mortgagesAutomatically re-borrow principal as you pay it down.
- Interest-only paymentsMinimum payment is interest-only on drawn balance.
- Second mortgages & home equity loansAlternative when your first lender won't re-advance.
Mortgages for business owners
Banks read your T1 Line 150 — not the real cash your business generates. I work with lenders who understand business financials, bank deposits, and add-backs — so your mortgage qualifies against your real income.
- Stated-income programsFor established self-employed borrowers with good credit.
- Bank statement / deposit programsQualify using 12 months of business deposits.
- Add-backs & gross-upsNon-cash expenses added back to reported income.
- Alternative and private lendersFor files the banks simply won't underwrite.
Tax-free cash — no monthly payments
A reverse mortgage lets Canadian homeowners aged 55+ convert up to 55% of their home’s value into tax-free cash — without selling, moving, or making regular mortgage payments. You keep full ownership of the home.
- CHIP Reverse Mortgage (HomeEquity Bank)Canada’s original reverse mortgage program.
- Flex & Equitable Bank optionsAlternative reverse-mortgage products with different rate/draw structures.
- No repayment until you move, sell, or passInterest accrues but no monthly cash outflow required.
- Funds any way you likeLump sum, regular advances, or a combination.
Funding for new builds & major renovations
Building new or undertaking a substantial renovation? Construction financing releases funds in draws as the work progresses — so you’re never borrowing more than the completed value at each stage. Converts to a regular mortgage at completion.
- Progress-draw mortgagesAdvances at foundation, lock-up, drywall, and completion milestones.
- Completion (turnkey) mortgagesFunds released once the home is fully built and inspected.
- Builder-to-perm conversionConstruction loan converts to your permanent mortgage at final draw.
- Renovation financingPurchase-plus-improvements and refi-for-renos programs.
Commercial & multi-unit financing
From a 5-plex to a strip-mall to owner-occupied industrial — I arrange commercial debt across banks, credit unions, MICs, and private capital. Including CMHC-insured multi-unit residential for the most competitive terms available in Canada.
- CMHC Multi-Unit — MLI & MLI SelectUp to 95% LTV and 50-year amortization for 5+ unit residential projects meeting affordability, accessibility, or energy-efficiency criteria.
- Retail, industrial, mixed-useOwner-occupied and investor files.
- Bridge financingShort-term bridges for value-add and repositioning deals.
- Investment properties (1-4 units)Rental programs with rental-income qualification.
Rental & investor financing
Building a rental portfolio in Ontario? Lender appetite, rental offset, and cash-flow qualification all change by property count — and I know which lenders play best at each stage.
- Rental offset vs. add-backDifferent lenders treat rental income differently — I price across all.
- BRRRR strategy supportBuy, renovate, rent, refinance, repeat.
- Portfolio-stage lending3+ door investors have more lender options than they realise.
- Short-term rental / AirbnbSTR-friendly lenders in select markets.
Ready to find the right mortgage?
Free consultation. No credit pull to start. No obligation. Let's talk about what works best for your situation.