We offer expert guidance in navigating the complex world of mortgages, assisting clients in securing the most favourable loan terms and rates. By assessing individual financial situations and shopping multiple lenders, we ensure clients make informed decisions, ultimately simplifying the process of buying a home. Our experience and industry knowledge are invaluable assets in the pursuit of homeownership.
We serve as financial advisors, carefully assessing our clients' evolving needs and financial circumstances. By leveraging our extensive network and industry expertise, we negotiate on behalf of clients, securing competitive rates and terms for their mortgage renewals. This proactive approach ensures that clients continue to benefit from the most favourable mortgage arrangements as they navigate the renewal process.
We guide our clients through the refinancing process, offering expertise on when and why to refinance. By analyzing current financial situations and objectives, we help clients secure refinancing options that best align with their goals, whether it's obtaining a lower interest rate, accessing home equity, or altering the loan term. We leverage our network of lenders to source competitive refinancing deals and streamline the application process, ultimately empowering clients to optimize their financial well-being.
Home Financing Guide
Highlights from inside our guide
Is home ownership right for you?
Buying a home is one of the biggest decisions you’ll ever make. To ensure that you make the best choice, ask yourself a few questions. What do you really want in a home? What is your current financial situation? What are your financial and lifestyle needs?
Tips for planning and managing your mortgage
When financing a home, make sure you’re prepared to deal with any challenges that come up. These can include a loss of income, increased expenses or rising interest rates. The following tips can ensure you’re financially stable through any ups and downs.
Types of Mortgages
In Canada, there are two major categories that mortgages fall into, either closed or open. Most mortgages are closed, meaning that you can’t pay out the mortgage in full without paying a penalty to the lender. You can, however, often make lump sum or extra payments each year.
Special financing programs
Several programs are available to assist people who are self-employed. Lenders recognize the fact that what is shown on a BFS tax return may not truly reflect the actual income earned for that party. We have several programs where qualification is based on stated income instead of taxable income.
"Daniela was a dream to work with. She is attentive, patient, she walks you through the whole process and follows up immediately when you need assistance. It been a long time since I have seen this level of superior service. If you are thinking about speaking to a mortgage broker or you aren't sure where to start, contact Daniela!"
CLIENTS ARE SAYING
"Daniela has been nothing but exceptional to work with! She is on point, professional and has a broad knowledge base - leaving our clients in a great position to move forward with their home purchase in confidence. Her communication and Followup continues to be impressive and she is so easy to work with. Daniela comes highly recommended to all of our clients!"
"Daniela was a pleasure to deal with. She was able to secure a rate and financing quite quickly after we made an offer on a property. The entire process was very easy. She was exceptional, clear and concise. Was able to secure a much better rate than my bank and other brokers. I would highly recommend."
WHERE TO REACH US
1121 Centre St NW #110, Calgary, AB T2E 7K6
Tel: (780) 991-4989