Hi. I’m Steve.
As an experienced mortgage broker based in the Niagara Region, my specialty is helping find a mortgage that’s perfect for you. While big banks tend to provide one size fits all solutions, I’ve built relationships across Canada with over 50 different lenders. That lets me pass on incredible savings to you.
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How much House can I afford
How Much House Can I Afford? This is perhaps one of the most asked questions by home buyers. Everyone wants to know what their maximum purchase price is and how much they can afford. The answer depends on several factors. Primarily, how much down payment you...
How Long Does A Mortgage Pre-Approval Last
How Long Does A Mortgage Pre-Approval Last? Getting a mortgage pre-approval is one of the best things you can do as you search for your perfect home. By pulling your application together, your Mortgage Broker will review your credit and income in determining...
How To Negotiate A Better Mortgage Rate
How To Negotiate A Better Mortgage Rate Lenders in the competitive space have rates that are fairly set-in-stone. There are some options for borrowers looking to negotiate a better mortgage rate. You will not know until you ask the question! Can I negotiate a...
When is the Right Time to Refinance my Mortgage?
Refinancing your mortgage can drastically improve your current financial situation. Especially if you have significant personal debt. Here are a few points to consider before you decide when the right time is to refinance your mortgage: • What is my current...
When Is A Good Time to Break My Mortgage?
The decision to break your current mortgage is a big decision. There are a couple of key questions you need to ask yourself. Specifically, what is the cost to break your mortgage and what are the savings/benefits of breaking before the end of the current...
How to switch Mortgage Lenders
The decision to switch mortgage lenders is not always straightforward. There are a couple of key questions you need to ask yourself before you make the switch. Specifically, are you switching lenders before the end of your current term or are you switching at...
First Time Home Buyer RRSP Program
The Canadian government offers the Home Buyers’ Plan (HBP) which allows first time home buyers to withdraw RRSP funds to use towards the purchase of a principal residence. If you are not sure if this is a sound option, let’s connect for a quick chat to run...
How to Save For A Down Payment
Saving for a down payment to purchase a home can be a challenge. There are a few potential sources of down payment that are recognized by mortgage lenders. If you’d like to discuss options in greater detail, let’s connect for a quick chat to run through your...
What is CMHC Insurance?
Canada Mortgage and Housing Corporation (CMHC) is a government department that acts as the national housing agency. One of their main functions is offering mortgage default insurance to Canadians applying for mortgages. There are two other mortgage insurance...
How Long Does A Mortgage Pre-Approval Last
How Long Does A Mortgage Pre-Approval Last? Getting a mortgage pre-approval is one of the best things you can do as you search for your perfect home. By pulling your application together, your Mortgage Broker will review your credit and income in determining...
How To Negotiate A Better Mortgage Rate
How To Negotiate A Better Mortgage Rate Lenders in the competitive space have rates that are fairly set-in-stone. There are some options for borrowers looking to negotiate a better mortgage rate. You will not know until you ask the question! Can I negotiate a...
When is the Right Time to Refinance my Mortgage?
Refinancing your mortgage can drastically improve your current financial situation. Especially if you have significant personal debt. Here are a few points to consider before you decide when the right time is to refinance your mortgage: • What is my current...
When Is A Good Time to Break My Mortgage?
The decision to break your current mortgage is a big decision. There are a couple of key questions you need to ask yourself. Specifically, what is the cost to break your mortgage and what are the savings/benefits of breaking before the end of the current...
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How Long Does A Mortgage Pre-Approval Last
How Long Does A Mortgage Pre-Approval Last? Getting a mortgage pre-approval is one of the best things you can do as you search for your perfect home. By pulling your application together, your Mortgage Broker will review your credit and income in determining...
How To Negotiate A Better Mortgage Rate
How To Negotiate A Better Mortgage Rate Lenders in the competitive space have rates that are fairly set-in-stone. There are some options for borrowers looking to negotiate a better mortgage rate. You will not know until you ask the question! Can I negotiate a...
When is the Right Time to Refinance my Mortgage?
Refinancing your mortgage can drastically improve your current financial situation. Especially if you have significant personal debt. Here are a few points to consider before you decide when the right time is to refinance your mortgage: • What is my current...