Frequently Asked Questions
Do you charge a fee for your services?
For most standard residential mortgages (purchase, refinance, renewal) there is no fee to you — the lender pays the brokerage. Private and alternative mortgages may involve a fee, which is always disclosed upfront in writing.
How much down payment do I need?
In Ontario, the minimum is 5% on the first $500,000 and 10% on the portion above that, up to $1.5M. Above $1.5M you generally need 20%. I'll walk you through what fits your situation.
How long does approval take?
Pre-approvals can often be issued within 24–48 hours of receiving your documents. Full approvals depend on the lender and the file but typically take 3–7 business days.
Can you help if I have bruised credit?
Yes. I work with a wide network of A, B, and private lenders, and can structure a plan to get you financed today and back to prime rates over time.
Do you serve all of Ontario?
Yes — I serve clients across the entire province of Ontario, virtually and in person where practical.