Unlike a standard mortgage, a collateral charge is re-advanceable. That means the lender can lend you more money after closing without you needing to refinance and pay a lawyer. You can keep re-using this charge, and a new charge will only be required if you want to borrow more than the amount that was originally […]

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 […]