Other Services
More specialized mortgage strategies
Beyond the core services, I also work with clients on these more specific strategies and situations.
Smith Maneuver
A strategy that converts non-deductible mortgage debt into tax-deductible investment debt. As you pay down your mortgage principal, a readvanceable mortgage lets you re-borrow that same amount to invest — and the interest on the investment loan may be tax-deductible. It's a long-term wealth-building approach that takes careful structuring to set up correctly, and I'll walk through whether it fits your situation and risk tolerance before recommending it.
Self-Employed
Traditional lenders can struggle with business or variable income. I work with lenders built for self-employed borrowers, using bank statements, contracts or stated-income programs to get you qualified fairly.
Renovations & Home Equity
Whether it's a kitchen refresh or a full addition, renovation financing lets you draw on your home's value to fund the work — through a refinance, HELOC or purpose-built renovation mortgage. I'll help you figure out which structure fits the scope and timeline of your project.
Vacation & Second Homes
Financing a cottage, ski chalet or second property comes with different rules than your primary residence — down payment minimums, occupancy requirements and lender appetite all shift. I'll help you understand what you qualify for and structure the purchase accordingly.
Credit Improvement
If your credit needs some work before you can qualify for the rate or lender you want, I'll help you build a plan — from paying down the right balances to disputing errors — so you're in a stronger position when you're ready to apply.
Bridge Financing
Buying before you sell? Bridge financing covers the gap between closing on your new home and receiving proceeds from the sale of your current one, so timing mismatches don't derail your move.
Construction Mortgages
Building a home from the ground up needs financing that releases funds in draws as construction progresses, rather than all at once. I'll help you line up a construction mortgage that matches your builder's schedule and converts to a standard mortgage once the build is complete.
Private Mortgages
When traditional lenders say no — due to credit, income type or timing — private lending can bridge the gap with a short-term solution while you rebuild toward conventional financing. I'll walk you through the costs and exit strategy upfront so there are no surprises.
Second Mortgages
A second mortgage is a separate loan secured against your home's equity, layered behind your existing first mortgage — useful when refinancing your first mortgage isn't the right move, but you still need a lump sum. It closes faster than a refinance and leaves your original mortgage's rate and term untouched.
Mortgage Porting
Moving before your term is up? Porting lets you transfer your existing mortgage — rate, terms and remaining balance — onto a new property, which can help you avoid a prepayment penalty. I'll confirm your lender's porting rules and blend in extra financing if the new home costs more.
CMHC-Insured (High-Ratio) Mortgages
If your down payment is under 20%, a default-insured mortgage through CMHC, Sagen or Canada Guaranty is what makes that possible — often at a better rate than an uninsured mortgage. I'll walk you through the premium, the insurer options, and how it affects your qualifying rate.
Commercial & Mixed-Use Financing
Buying a mixed-use building, small commercial space or multi-unit property beyond standard residential rules? Commercial financing is underwritten differently — on the property's income and use rather than just your personal credit — and I'll help structure the right lender and terms for it.