First Time Home Buyer
You may have plenty of questions, if this is you. "What's the deal with my RRSP's?", "Do we get a rebate on land transfer tax?", "How much do I have to put down?" Get expert mortgage advice and tailored solutions for London, Ontario first time home buyers. This is a huge moment in your life and I'm here to help you every step of the way.
Purchasing Your Next Home
You've outgrown your first home and it's time for an upgrade. Do you sell or buy first? That question is best answered by your real estate agent and it's an important one to sort out. Whatever you decide, it's critical to keep your mortgage agent informed, so plans can be put in place to ensure mortgage financing can be approved. Alternatively, maybe you're looking at buying your first investment property. Strategy is important when buying and selling at the same time, or buying an investment property. I'm here to help.
Refinancing
There are numerous reasons for needing or wanting to refinance. It could be to fund a renovation, consolidate some high-interest debt or maybe as a down payment for a vacation property or rental. I have budgeting tools that lay everything out in the open to make an informed decision.
Self-Employed
Oftentimes, self-employed individuals don't fit the box of the big banks and need alternative lending options. This is generally tied to taxable income not matching what is actually made, causing debt servicing ratios to be out of whack. The good news is, you have a great accountant protecting your hard earned money and the better news is, I have solutions to help you buy a home, even when the bank says no. And don't worry, you're not dealing with rates that will make you go broke.
Reverse Mortgages
One of the fastest growing mortgage products in Canada right now. It's a useful tool for navigating your golden years. You may want to age in place (meaning not go to a nursing home), or your pension isn't quite enough to fund the lifestyle you want and deserve. With home prices being so high, we are seeing parents use reverse mortgages to help fund their children's first homes, as well. It's a specialized product and not for everyone. I'm a phone call away to discuss in more detail.
Transfer/Switches
Your mortgage renewal is a perfect time to see what's going on in the market. Your current lender may not have the best products and rates for your needs now. Consult with a mortgage agent in London, ON to see if switching lenders is the right move for you. It doesn't cost anything to switch and it could save you thousands!
