First-Time Home Buyers
Pre-approvals, budgeting, down payment strategy and first-time buyer programs, explained clearly from day one.
Mortgage services
Every situation. One clear strategy.
From your first home to complex income, renovations and wealth-building strategies, I compare lending solutions across the market to find what fits you.
What I help with
Mortgage services
Home Purchase Mortgages
Financing for your next home with options compared across multiple lenders, not just one bank.
Mortgage Renewals
A full review before you renew so you're not leaving money on the table at the end of your term.
Mortgage Refinancing
Access home equity, consolidate debt or restructure your mortgage when it improves your position.
Mortgage Porting
Take your existing mortgage to a new property when your rate and terms are worth keeping.
Self-Employed Mortgages
Business owners and contractors with complex income, presented properly to lenders who understand it.
B Lending
Alternative lenders for bruised credit, unique income or properties outside big-bank guidelines, often as a bridge back to prime.
Private Mortgages
Short-term private financing for time-sensitive or unconventional situations, with a clear exit plan.
Construction & Development Financing
Draw mortgages and project financing for custom builds and development, structured around your timeline.
Purchase Plus Improvements
Buy a home and finance planned renovations in the same mortgage, so the upgrades start right away.
Manulife One Strategy
An all-in-one mortgage and banking account that can put every dollar to work against your interest.
Smith Manoeuvre Strategy
A strategy that may help convert mortgage debt into tax-deductible investment debt over time, coordinated with your accountant or advisor.
Availability depends on lender approval and your situation. Tax-related strategies should be reviewed with a qualified tax professional.
Talk to Pete
Not sure which fits? Let's find out.
A short call is all it takes to see where you stand and what makes sense next. No pressure, just clarity.