Not sure if you
qualify? Let us
find out.
Every situation is different. Income, credit, debt, employment type — they all factor in. The only way to know what is possible is to have someone look at the full picture. That is exactly what we do.
Tell us about your situation
Free. No credit check. No obligation.
Qualification is more than a credit score.
Banks run your numbers through a formula. We look at the whole person. That is why we are able to find solutions for clients that traditional lenders pass on.
Income and employment
Salaried, hourly, contract, self-employed, rental income — we understand how to present all forms of income to lenders in a way that reflects your actual financial strength.
Credit history
Your credit score matters but it is not the whole story. Late payments, consumer proposals, bankruptcies — many of these can be worked around with the right lender and the right approach.
Debt service ratios
GDS and TDS ratios determine how much of your income goes to housing and debt. We review these upfront and identify strategies to improve your position before applying.
Down payment and equity
How much you have to put down or have built in equity directly impacts what products you can access. We help you understand your options at every down payment level.
Property type
Condos, rural properties, multi-unit buildings, cottages — different property types have different lending rules. We know which lenders are comfortable with which properties.
Lender fit
Not every lender is right for every situation. We match your profile to the lender whose underwriting criteria give you the best chance of approval at the best available terms.
We work best when the situation is not straightforward.
If your situation fits neatly into a bank's formula you probably do not need us. But if anything in your financial picture is complicated, that is exactly where 20 years of experience makes a real difference.
Self-employed borrowers
Your tax returns may not reflect your actual income. We know how to work with stated income lenders and present your financials in a way that banks simply cannot process.
Bruised or rebuilding credit
A rough patch does not have to define your mortgage options. We work with lenders who look beyond the score and evaluate the full picture of where you are today.
High debt-to-income situations
When your ratios are stretched, creative structuring can sometimes open doors that look closed. Debt consolidation, co-signers, alternative lenders — there are more options than most people realise.
Previously declined applications
One lender's no is rarely the final word. We review what happened and identify whether a different product, lender, or strategy could produce a different outcome.
New to Canada
Limited Canadian credit history does not automatically disqualify you. Several lenders have programs specifically designed for newcomers and we know exactly which ones to approach.
A clear process from first contact to funded mortgage.
Fill in the form above. No credit check at this stage. Just the basics so we understand what we are working with.
We review your full picture and tell you plainly what is possible, what needs work, and what the realistic path forward looks like.
We identify the lender whose criteria fit your situation best and submit a strong, well-prepared application on your behalf.
We manage the process from approval through to closing so there are no surprises and you know exactly where things stand at every step.
Not sure if you qualify? Book a call and find out.
Fifteen minutes is enough time to understand your situation and give you an honest picture of where you stand. No prep needed on your end.
What clients say about working with Tim.
Estimate your monthly payment.
This calculator gives you a starting point. Your actual payment depends on your rate, amortization, and lender — all of which we can help you nail down precisely.
This is an estimate only. Talk to us for a precise qualification based on your actual situation.
Where rates stand today.
The Bank of Canada policy rate is the benchmark that influences all mortgage rates in Canada. Understanding where it sits helps you make a more informed decision about fixed vs variable.
Fixed rate
Your rate is locked in for the term. Your payment never changes regardless of what happens to market rates. Security and predictability above all else.
Best for: Clients who want stability and protection against rising rates.
Variable rate
Your rate moves with the Bank of Canada prime rate. When rates fall you benefit immediately. Historically variable rates have outperformed fixed over long periods.
Best for: Clients with flexibility to absorb payment changes and a longer horizon.
Open mortgage
Pay off part or all of your mortgage any time without penalty. Rates are higher than closed mortgages. Useful when you expect to sell or receive a large lump sum soon.
Best for: Clients who may sell or pay off their mortgage early.
Home equity line of credit
A revolving credit facility secured against your home. Access funds when needed, pay interest only on what you draw. Rates tied to prime and adjust automatically.
Best for: Clients who want ongoing access to equity for renovations or investments.
Find out where you stand today.
No credit check. No commitment. Just an honest assessment of your situation from someone who has seen every scenario there is.
Check my qualification Free. No obligation. Licensed in AB, BC, and ON.