Mortgage Consultant - Background

With over 10 years of financial services industry experience, my commitment is to help make your mortgage transaction quick and stress-free.

As a Mortgage Consultant, I shop the market to find competitive rates and products that best suit your needs and long-term financial goals.

My impartial advice and assistance is based on your needs and interests. I work for you, not the lender.

Whether you are purchasing a home, transferring your mortgage, refinancing to consolidate debt or simply want to review your financial situation, I am here to help.

My Background

My background includes over 10 years of banking experience at local financial institutions. Some of the roles I have held over the past few years include those of Branch Manager, Auditor and Financial Advisor.

I hold an M.B.A. (Master of Business Administration) degree from Dalhousie University and am eager to share my financial education and knowledge in order to help you out with your mortgage transaction.

I also write financial articles on a variety of topics for a couple of local newspapers. I believe it is important to educate my present and potential clients and keep them informed about topics that affect their financial situation.

What I Can Offer You - The Client

Since buying and owning a home is one of the biggest financial investments you will make, it is important that you obtain knowledgeable, friendly and honest advice from a mortgage professional who understands your needs.

I strongly believe that if there are advisors who help you out with smaller investments such as your RSP's, there is even a bigger need to have a mortgage advisor who will help you out with your bigger investment needs such as your mortgage.

My plan is not only to help you out with your most immediate mortgage transaction, but also to create a long-term working relationship for all your future mortgage-related inquires and goals. I hope to build a level of trust that will allow me to become your mortgage advisor, your "mortgage-go-to" person.

With this in mind, I would be honoured to create a working relationship with you that is based on trust, professionalism and exceptional customer service.

Why Work with Me?

Access to the Best Rates and Products

As a Mortgage Consultant I have a relationship with several financial institutions that are competing to get your mortgage business. Working with me will provide you with access to some of the best deals and most innovative mortgage products you can obtain on the mortgage market.

Obtaining the best interest rate is probably one of the most important reasons why you should work with me. I shop the market for the best mortgage rate for you. I usually have access to so-called "wholesale" mortgage rates, that are significantly lower than the posted rates offered by Banks to the general public through their branches. Practically speaking, I have the ability to find the best rate on the market and still place your mortgage with the lender or bank of your choice, which sometimes would not be the case if you walked into a branch and negotiated the rate yourself.

Obtaining the best mortgage product is another major reason why it is beneficial for you to use a Mortgage Consultant. Each financial institution has its line of products and sometimes in order to find the mortgage product that meets your unique needs there is a need to check several banks. As a Mortgage Consultant I am familiar with numerous products offered by financial institutions and will do the search for you.

Access to Non-Traditional Lending

My working relationships is not limited to only major institution such as banks or credit unions (known as "A" lenders), but also with so-called "B", "C" and private lenders. These institutions will very often overlook the standard conditions required by "A" lenders, especially for individuals with a troubled credit history, those who cannot provide standard income confirmation, or have inadequate down payments or similar.

My Services are Free to You

My services are usually paid for by the lending institution where the mortgage is placed through so-called "finder's fees". In other words, my services are free to you. There are cases, however, where the institutions do not pay a finder's fee to the broker, in which case the broker will charge the client directly, however this is typically not the case with "A" lenders, but rather "B","C" and private lenders.

My Schedule is Flexible to Accommodate Your Schedule

As a Mortgage Consultant, you will have continuous access to my services, as I work outside of normal banking hours to accommodate your schedule. I am a mobile professional who can meet with you at the time and place of your choice. My clients are located all over the Greater Toronto Area.