Purchases

A new home typically requires a new mortgage.

In order to have access to the largest mortgage possible, I will need to calculate your debt services ratios (known as the GDS and TDS) and the Loan-To-Value (LTV) of the prospective mortgage to connect you to the ideal lender and get you a low rate. I will look at the whole picture and consider everything from purchase price, potential down payment, closing costs, current debts and future goals.

For those with a low credit score or unpredictable income, I can connect you with lenders that are particularly suited for clients in your stiuation. I would be happy to discuss your situation and find options for you.