Mortgagenius

Renovation mortgages can provide the financial support you need to transform your existing home into the perfect living space for your family. By leveraging the equity in your home, you can fund significant improvements, whether it's adding extra bedrooms, updating your kitchen, or creating a more functional living area.

Before you begin, it's essential to consult with a financial advisor to understand your options and ensure that a renovation mortgage aligns with your long-term financial goals. Additionally, working with a reputable contractor can help you plan and execute your renovation project efficiently and within budget.
Happy renovating!

Whether you're looking for a cozy cottage, a modern apartment, or a spacious family house, I have an array of financing options to suit your needs and preferences. Imagine waking up in a sunlit room, enjoying your morning coffee on a private balcony, or hosting gatherings in a beautifully landscaped garden. I am here to guide you every step of the way, ensuring that each detail aligns with your vision of an ideal home.
I am committed to helping you find that special place where your dreams can take root and flourish. Let's embark on this exciting journey together!

This is how you save money by refinancing your mortgage to save money over the term. **Please rates are indicative and subject to change**

how will longer amortization affect total interest paid to the lender? There are ways to save money even with longer amortization . Feel free to reach out to learn the strategy.

Planning to buy a house in Canada? Here's why a large down payment is a smart move:

💰 Lower Monthly Payments: Put more down upfront and enjoy reduced monthly mortgage payments, giving you more financial flexibility.
📉 Reduced Interest Costs: Save big on interest over the life of your mortgage with a larger down payment, putting more money back in your pocket.
🏦 Avoid PMI: Skip costly private mortgage insurance by making a substantial down payment, saving you thousands in the long run.
💼 Stronger Loan Terms: Impress lenders and score better loan terms like lower interest rates and waived fees with a hefty down payment.
🏠 Build Equity Faster: Jumpstart your home equity and secure your financial future by owning more of your home from day one.

Most lenders look at consistency of income to consider as good candidate for lending. A two year history of variable income can strengthen your chances of approval.