Questions? Answered.
Straight answers to the questions I hear most. Don't see yours? Reach out — I'm always happy to help, at no cost to you.
Everything you need, clearly explained.
From fees and pre-approval timelines to self-employed and newcomer options — here's what clients ask most before we get started.
Still have questions?
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For the vast majority of clients my services are completely free — I’m compensated by the lender once your mortgage funds. I’ll always disclose any situation where a fee could apply before you commit to anything.
Most pre-approvals are completed within 24–48 hours of receiving your documents. Simple files can often be turned around the same day.
Absolutely. I work with lenders who specialize in self-employed and business-for-self income, including stated-income and bank-statement programs.
Yes. There are dedicated newcomer programs that accept limited Canadian credit history. I’ll match you with lenders who understand your situation.
A renewal keeps your mortgage with your current lender, while a switch moves it to a new lender — often for a better rate or terms. I’ll compare both so you don’t leave money on the table.
Not necessarily. I work with a range of lenders and can build a clear plan to either qualify now or improve your credit so you qualify for better terms soon.
In Canada the minimum is 5% on the first $500,000 of a home’s price and 10% on the portion above that. Down payments under 20% require mortgage default insurance. I’ll help you figure out the right number for your goals.
It depends on your risk tolerance, plans for the property, and the current rate environment. I’ll walk you through the trade-offs so you can make a confident, informed choice.
Typically proof of income, ID, down payment confirmation, and details on the property. See my Document Checklist for a full, situation-specific list.
Yes — and you should. A pre-approval tells you your budget, can hold a rate for up to 120 days, and makes your offers far stronger in a competitive market.
Let's get your questions answered.
Send me a quick note about your situation and I'll get back to you with clear, no-pressure advice — at no cost to you.