Buying your first home is one of the biggest financial decisions you’ll make — and most of the stress comes from not knowing what you don’t know. That’s where I come in.
As an independent mortgage broker, I’m not tied to one bank’s products or one set of rules. I work across my lender network to find a mortgage that actually fits your income, your down payment, and your plans — not just the first “yes” you get.
What we’ll cover together
- Your real number. What you can comfortably afford, not just what you technically qualify for.
- Down payment sources. Savings, RRSP programs, gifted funds, and how each affects your application.
- The stress test. What it is, why it exists, and how it applies to your approval.
- Pre-approval. A real, document-backed pre-approval you can shop with confidently.
- Closing costs. The costs beyond your down payment that catch first-time buyers off guard.
Why work with an independent broker
Banks can only offer their own products. As an independent broker, I can compare rates and terms across multiple lenders, and I get paid by the lender — not by you — in the vast majority of cases. That means my job is to find the mortgage that’s right for you.
Ready to talk through your situation? Let’s have a real conversation — no pressure, no scripts.