Welcome to
Our Lender

Yes! Getting pre-approved helps you understand your budget, makes you a stronger buyer, and speeds up the process when you’re ready to make an offer. It’s your first step toward buying with confidence.

It depends on the property price and your situation, but many buyers can purchase with as little as 5%. I’ll walk you through your options and what works best for you.

Absolutely. I work with lenders who understand self-employed income, and I’ll help you gather the right documents to make your case strong.

In Ontario, land transfer tax is based on the purchase price of your home. First-time buyers may qualify for a rebate of up to $4,000. If you’re buying in Toronto, there’s a municipal land transfer tax as well. Don’t worry - through my app it easily calculates it for you and explains it in plain English!

For homes under $500,000, the minimum down payment is 5%. I’ll help you figure out exactly what you’ll need-and how to get there comfortably.

If your down payment is less than 20%, yes you’ll need mortgage insurance (usually through CMHC or another insurer). This protects the lender, not you, but I’ll show you how it affects your monthly payment and what your options are.

Most deals close in 30 to 90 days, depending on your offer and lender. Once you’re pre-approved, I’ll help you stay on track so everything moves smoothly from accepted offer to moving day.