Home Purchase
First home or fifth — getting the structure right so the next ten years work, not just the next thirty days.
First home · Move-up · Pre-qualifyLearn more →—Services/ 02
Mortgages without the spreadsheet shame.
Plain-spoken mortgage work for the messy real-life version. Pick the file that sounds like yours and start there — we'll figure out the rest on the call.
—What I do/ 03/ 01 / 02 / 03 / 04 / 05 / 06 / 07
Files I love to take on.
If your situation isn't on this list, ask anyway — odds are it fits somewhere or it's a private/commercial conversation.
Home Refinance
Pull equity, fund a renovation, restructure debt, or split after a separation. The math has to work — and so do the next ten years.
Equity · Renovation · SeparationLearn more →Consolidation loans
Roll high-interest debt into the mortgage, on a plan you can actually finish. Done right, not done fast.
Debt consolidation · HELOCLearn more →Private mortgages
Short-term, equity-based lending when the bank says no but the math says yes. With a clear exit plan attached.
Bridge · Equity take-out · Bruised creditLearn more →Business/Commercial loans
Commercial purchase, multi-unit residential, mixed-use, refis. Lender access beyond the storefront banks.
Commercial · Multi-unit · Mixed-useLearn more →Investments
Rental income, debt-service ratios, portfolio strategy. Door #2 or door #20 — structure matters more than rate.
Rental · Portfolio · BRRRRLearn more →Coaching/Consultation & Resources
Not ready for a mortgage yet? Book a paid one-hour to build the plan that gets you there.
1:1 coaching · Pre-purchase planningLearn more →—How it works/ 04
Four steps , no surprises.
- 01
Discovery call
Twenty minutes on the phone. Where you are, where you want to go, what's stopping you.
- 02
Pre-qualify
We pull the numbers, surface the levers, and put a real plan on paper.
- 03
Lender matching
I shop the file across my lender panel — banks, monolines, credit unions, private — and bring back the best fit.
- 04
Close & celebrate
Paperwork, lawyer, funding day. I'm in the group chat the whole way through.
—FAQ/ 05
Things people ask the most.
Does it cost me anything to work with you?
Standard residential mortgages: no. The lender pays the broker. The 1-on-1 coaching engagement is a separate paid service; I'll always tell you up front which conversation we're in.
Do you only work with people in Barrie?
I'm licensed across Ontario. Barrie and Simcoe County is home — I'll happily meet face-to-face — but most of my files run on phone and email regardless of where you live in the province.
How fast can you close?
Clean, salaried purchase with conditions met: 10–14 days. Self-employed, second-property, or anything with moving parts: more like 21–30. I'll give you a real number for your file once I see it.
What about my credit?
I work with everything from 800-club to bruised. Bruised is harder, not impossible, and usually starts with a private or B-lender bridge plus a plan to graduate back to A. We'll be honest about the trade-offs.
—Let's begin/ 08
Let's talk .
Tell me which of the above sounds like your file. I'll come back within one business day with what I'd do next.
