1) Where is your income being derived, compared to the location of the property you are purchasing? 2) Has your job / position been transferred? a. If yes – Provide proof of transfer b. If No, continue. 3) Are you allowed to work remotely? c. If yes – Provide Letter confirming this d. If No, […]

1. Access to more Lenders WITH Unbiased Advise – When you apply for a mortgage at a bank or credit union, you only have access to the products they offer in house. With a mortgage broker, you’ll have access to dozens of lenders. Brokers don’t work for the Bank – we work for the CLIENT. […]

Bridge Financing is available with most institutions and long as: a) Seller has FIRM (unconditional) offer on their current residence and b) There is a mortgage in it for them at the end if the day *Rates vary but are approx. Prime +5 during bridge period, some carry an approx. $300-400 fee. Our Back up […]

“Un-Bank-like” That’s how we do things. In the world of mortgages, common sense has become surprisingly uncommon. With 20 years of experience in lending, we understand what works best for our clients – and where to go to get the BEST deal. We are all human and we have all experienced significant life events. Rooted […]

Back in the day someone would ask me – what’s your best rate, Janette? And like MAGIC (!) I would be able to quote them in a matter of seconds. These days things are SO different. It is imperative that we as Brokers not promise any rates until we have at least a partial application […]

Animated 2023 New Year Celebration Greeting Video Background by Janette Roch



What does it mean to co-sign a mortgage? Somebody other than the prospective homeowner (typically a family member or friend) will usually co-sign on a mortgage if the prospective homeowner’s credit and income are not enough for them to qualify themselves. And it works both ways. It is possible that a family member or friend […]

A retired couple on fixed pensions found themselves struggling to make ends meet each month. Both were in good health and wanted to maintain an active lifestyle. They had spent their working years paying off their mortgage and had little saved in their RRSPs. Now both in their 70s, they’re mortgage free. They love their […]