Question 1

How much do you charge?

Accepted Answer

In most cases the advisory is free for you — the lender pays the agent's commission. If your file requires an alternative or private lender, I'll explain the cost upfront before applying.

Question 2

Do you only work in Toronto?

Accepted Answer

I work across Ontario, based in Toronto. Meetings can be virtual, so location is not a problem.

Question 3

What rate can you offer me?

Accepted Answer

Rates depend on the lender, your credit profile, and the property type. I won't promise a specific rate without reviewing your file. We work with competitive rates through 40+ lenders, subject to approval (O.A.C.).

Question 4

What documents do I need?

Accepted Answer

Generally: ID, proof of income (T4, NOA or pay stubs), bank statements, and if applicable the purchase agreement. I'll send a personalized list when we speak.

Question 5

I'm new to Canada / I don't have long credit history. Can I apply?

Accepted Answer

Yes. There are specific programs for newcomers and for building or rebuilding credit. We review them together in the consultation.

Question 6

How long does the process take?

Accepted Answer

A pre-approval takes 1–3 business days. A full purchase, from accepted offer to closing, usually takes 30–90 days depending on the agreed closing date.