I specialize in Mortgage Intelligence, educating people about mortgages, how they work and what lenders are looking for. Everyone's home purchasing situation is different, so working with me will give you a better sense of what mortgage options are available based on the 4 strategic priorities that every mortgage needs to balance: -lowest cost -lowest payment -maximum flexibility -lowest risk The fine print in the mortgage contract can far outweigh the rate being offered. Most people are blinded by the rate, in their quest for a mortgage. Most Canadians are conditioned to think that the lowest interest rate means the best mortgage product. Although sometimes that is true, a mortgage is more than just an interest rate. You can save yourself a lot of money if you pay attention to the fine print, not just the rate. Banks tend to concentrate on the 5 year fixed mortgage rate (since that’s the best option for them)… rates are important, however I look at the total cost of the mortgage. I will advise & explain mortgage options, help you understand the implications of your choice and help you avoid the pitfalls of choosing a mortgage based on rates alone. In a perfect world I would LOVE to meet people 3 months-3 years prior to them planning on purchasing a home, so I can work with them to put together a home ownership game plan. My services for a typical mortgage are FREE (I get a finder's fee from the lender) and I help people save money. I LOVE my job! My Mortgage Brokering services include -PURCHASING your first home -REFINANCING for renovations, investments or debt consolidation -RENEWING your current mortgage -INVESTING in a rental/revenue property/cottage -REVERSE MORTGAGE for Homeowners age 55+ enabling them to access the equity in their home to let them to live life on their terms