Services.
General Mortgages
It all begins with a goal. Whether it is your first or fifth property, my experience in accounting means I engage with your entire financial portfolio, leaving you with a tailored and in-your-best-interest mortgage solution.
My advice is always to be well informed before making a large financial decision. Work with a professional, understand your options, risks, costs, and benefits. Once you are fully informed you are fully in control. Let me help you get in control.
Reverse Mortgages
Whether you are not yet retired or are retired it can feel like you have limited options on a fixed income. Increases in inflation and interest rates have changed the financial landscape for millions of Canadians over 55 years of age.
There are different options available to seniors including traditional mortgages, debt consolidation, home equity lines of credit, alternative lending, and reverse mortgages. Regardless of the right solution for you the goal is to get your finances in order so you have cash flow certainty moving forward that you can count on.
Reverse mortgages are like other mortgages with the exception you do not make payments. The interest accumulates until you move out of your home or pass away. You always keep ownership of your home, and you continue to gain the equity as house prices rise. This is a great alternative for many folks over 55 that want to stay in their home as long as possible. I work with several reverse mortgage lenders. Let me find a solution right for you.
Alternative Lending
Sometimes a borrower cannot get a bank on board with their plans. Banks are very strict about their criteria and if you do not fit one of their boxes they decline to lend to you. I specialize in finding solutions for good people that need funding and do not fit the typical bank profile. That could be self-employed persons, folks with high debt rations, people needing debt consolidation, renovation / construction financing, unusual situations, and others.
I work with over 50 lenders to find a solution that fits your needs. Many of these lenders have alternative lending programs available for folks looking for alternative financing. Let me find a solution for your financing needs.
Debt Consolidation
A significant portion of my lending work is in debt consolidation. That is the process of paying off several different debts with a combined high payment load every month to one lower interest and lower payment.
It is not uncommon for folks to have auto loans, credit card balances, lines of credit, a business loan, and other short-term debts. These debts are usually very high interest and having several of them creates a burden people cannot handle. The solution is to pay off all the debts with a mortgage using the equity in your home.
Once you have paid off all your debts you will find your cash flow immediately increases often by thousands per month depending on what your debt load was. Another benefit to those that consolidate their debts and get their finances under control is they see their credit scores increase.
If you have been thinking about this without solving the problem, please contact me directly. I am here to help you with debt consolidation.
Private Lending
Traditional lenders can’t always accommodate every financial situation. Whether you're an investor looking for high returns or a borrower seeking options that go beyond the limitations of traditional banks, private lending offers a tailored solution.
For borrowers, private lending provides faster approvals, fewer barriers, and flexible terms. It’s an ideal option for those facing challenges with credit, income verification, or timing constraints—helping you access the funds you need without the red tape.
For investors, private lending offers opportunities to grow wealth through steady, real estate-backed returns. With demand for private financing on the rise, it’s a smart way to diversify portfolios while earning passive income with security and confidence.
Private lending isn’t just a fallback—it’s a forward-thinking strategy for unlocking financial potential. Whether you need funds or are looking to build wealth, I work with trusted lenders and investors to provide solutions that work. Let’s explore how private lending can be the answer you’ve been searching for.
