I am a mortgage professional with the brokerage 'invis', one of the largest in Canada.
With SmartCap (our company name attached to invis), we take more of a financial planning approach to mortgages, as we realize there's a lot more to it than just rates. We consider ourselves cash flow and debt management experts, and realize cash flow is the driver in any financial plan. We still have access to the best rates, but it's the all-encompassing strategies we incorporate for our clients that will help accelerate their financial plan.
With access to over 50 different lenders, there are products available for virtually everyone. I am able to finance or provide advice for any of the following:
- Refinances, switch/transfers
- Debt consolidation
- Restructuring debt for cash flow purposes
- New home construction
- Equity takeout/Home renovations
- Self employed
- Credit issues
- Ask me about what I believe is one of the most powerful strategies in the industry, National Bank's "All-in-one". It's non-conventional, but can be very effective in getting you debt free years quicker while saving you thousands (tens) in the process. I will teach you the strategy behind this. Ask me about my calculator to see if this product is right for you.
Please feel free to ask any questions in here, via PM, or by emailing me at firstname.lastname@example.org
Thanks, I look forward to hearing from you!
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Ever wonder what documents are required for the approval process, particularly for self-employed individuals? A lot has changed in the last 5 years, as lenders & insurers are required to collect A LOT more documents than you may be used to. Here's a handy checklist to give you an idea: *Ask for more details*
"Sleepwalking Through Renewal"
Marketing material/specialty product info:
Purchase plus program:
Ten Steps to Home Ownership:
- Buying a home before yours sells? Here's some info on bridge financing: http://www.theglobeandmail.com/globe...ticle22516854/
- Are you self employed? Here's a great read on some of the restrictions you may see since the tightened guidelines as a result of B-20 in 2012:
- Fixed vs. variable: