Whether you're renewing, buying, carrying debt you'd like to deal with, or just want a second opinion on something a lender told you, I'm happy to talk it through. No cost, no obligation, and no application unless you decide you want one.
About half an hour. I look at your whole month and show you your options side by side in monthly dollars.
Find a time that works PhoneIf you'd rather just ask a quick question out loud, that's completely fine. Leave a message if I don't pick up.
Give me a call EmailSend me the details whenever it suits you, including anything you'd rather write down than say.
Send an emailThere's no fee, there's no application, and there's no rush.
Book a Cash Flow ReviewPeople often hesitate because they're not sure what they're signing up for. Here's the whole thing.
You reach out however you like. I'll come back to you, usually the same day.
We find half an hour. Video, phone, or in person if you'd rather do it at your kitchen table.
I look at what you're actually paying right now, and show you what your options would free up each month.
Then you decide, in your own time. Nothing gets submitted anywhere without you saying so.
No. On standard residential mortgages the lender pays me, so my advice costs you nothing. If a file ever does involve a fee, you'll know long before we go anywhere near an application. No surprises.
Not from a conversation. I can look at your situation and talk through options without pulling anything. A credit check only happens if you decide to move forward, and I'll ask you first.
Not unless you want to. Almost all of my work happens by video and phone, and plenty of my clients would rather do it at their kitchen table. I'm based in London and licensed across Ontario, so where you are matters a lot less than it used to.
Nothing, for a first conversation. If you happen to know roughly what you owe and what you're paying each month across the mortgage, the cards, the line of credit and the car, that speeds things up. If you don't, we'll work it out together.
Yes. One lender saying no is one answer out of sixty, and it usually takes a different approach rather than a miracle. There's no judgment here either way, and finding out costs you nothing.