+1-647-914-4663
Specializations
First-time home buyer
Buying your first home is a very important financial decision, getting the right advice from a mortgage specialist is a great way to start.
I am here to explain the process and assist you in getting you a mortgage pre-approval so that you can take advantage of low rates. I can also help you understand down-payment options and explain the requirements and options available for first-time buyers.
Contact me today to find out the different options available to you. I work for you not for your lender.
Bad Credit
Credit history is integral when it comes to mortgage approval process as it reliably indicates how you will manage your mortgage and your finances in the future. A lower credit score means higher interest rates, larger initial down payment or requiring a co-signer to qualify for a mortgage.
I can help you analyze your situation and coach you to improve credit over time. As your credit history improves your borrowing options will increase too.
Contact me today to find out the different options available to you. I work for you not for your lender.
New to Canada
If you’re new to Canada and looking to buy a home of your own, I can help you get there sooner. Generally, the most important factor for new to Canada financing are credit history, and down-payment. It is a good idea to start establishing credit in Canada as soon as you can. If you do not have that you have built credit by providing documents like credit report from your country of origin, proof of rental payments, proof of income and others.
I can help you make the smart moves and make the transition easier
Contact me today to find out the different options available to you. I work for you not for your lender.
Alternative Lending
Many Canadians are finding it harder to qualify for a mortgage through traditional financial institutions. Alternative lenders are great for individuals who have non-traditional forms of income for example, capital gains, room rental income, child tax benefits and others or for self employed applicants who may not have the minimum required number of years of being self-employed.
Contact me today to find out the different options available to you. I work for you not for your lender.
Reverse Mortgages for Senior Homeowners
A reverse mortgage can be an opportunity for senior homeowners on a fixed income to convert some of the equity in their homes into much-needed cash flow. It can help you enjoy your retirement or cover unexpected expenses. Upgrade your home, help family and loved ones, travel and pay monthly expenses without depleting your current savings.
It differs from refinancing as, in that case, the homeowner is not responsible for repaying the loan until after the home is sold. It is not for everyone, however, because the rates and repayment terms differ from regular mortgages. We can assist you in determining whether a reverse mortgage is a suitable option for you, and if so, we can locate one that suits your requirements.
Contact me today to find out the different options available to you. I work for you not for your lender.
Mortgage Pre-Approval
Let us help you determine
A mortgage pre-approval is an important step in the home buying process and we can help you out. New Life can help with your financial strategy, your mortgage amount, down payment amount, purchase price and give you an overall idea of what you can realistically afford.
We will advise you about the documentation (income confirmation, down payment confirmation, etc.) you'll need to supply upon conditional approval of your mortgage. Any conditions must be met for your mortgage to be fully approved. Pre-approvals are subject to your continued good credit and are usually good for 60, 90 or 120 days depending on the lender.
Contact Us
With more than 4 years of senior leadership experience at CIBC underwriting, my background working with CIBC has helped m
I can find the perfect mortgage for you. Mortgage Alliance is the most recognized and trusted mortgage brokerage in Canada and as a Mortgage Alliance professional, I have the expertise to get the Right Mortgage for your immediate and future needs. I work for you, not the banks, and provide unbiased guidance in your mortgage decision. We work with over 60 lenders (some offered exclusively through brokers) so you have the choice, convenience and great counsel that you deserve!