Sample site. Fictional people and companies.
Business owners, investors and high-value purchases. I structure the file and find the lenders who suit it.
Choose what applies and you’ll see how I’d approach it.
I present company income the way underwriters read it: retained earnings, add-backs and your accountant’s letter, before any lender sees the file.
I rebuild your rental schedule and choose the order to finance in, so one lender’s limit doesn’t stop the next purchase.
Some lenders underwrite new arrivals on an employment contract and foreign credit. I’ll tell you which, and what they’ll ask for.
I prepare the file once, completely, and go to the lenders who can approve inside your subject-removal date.
Bridge financing and the timing between two closings, set up so you aren’t carrying both homes longer than you have to.
I compare your renewal across lenders four to six months ahead, so you have choices instead of a letter to sign.
Anonymised and shared with the clients’ permission. Every file is different.
Thirty minutes on your goals, timing and what makes your file different. No forms yet.
You upload documents to a secure page; I check them and flag gaps before any lender sees them.
Options compared on rate, terms, penalties and fit, with my recommendation and why.
I manage conditions with the lender, lawyer and realtor until funds are advanced.
Your payment, the mortgage insurance, the interest over the years and what faster payments would save. Change anything; the figures follow.
$5,523
per monthly payment
With accelerated bi-weekly payments you would save $111,458 in interest and finish 3 years 6 months sooner.
| Year | Interest | Principal | Balance |
|---|---|---|---|
| 1 | $46,027 | $20,254 | $939,746 |
| 2 | $45,025 | $21,257 | $918,489 |
| 3 | $43,973 | $22,309 | $896,181 |
| 4 | $42,868 | $23,413 | $872,768 |
| 5 | $41,710 | $24,572 | $848,196 |
| 6 | $40,493 | $25,788 | $822,407 |
| 7 | $39,217 | $27,065 | $795,343 |
| 8 | $37,877 | $28,404 | $766,939 |
| 9 | $36,471 | $29,810 | $737,128 |
| 10 | $34,996 | $31,286 | $705,843 |
| 11 | $33,447 | $32,834 | $673,008 |
| 12 | $31,822 | $34,460 | $638,549 |
| 13 | $30,116 | $36,165 | $602,384 |
| 14 | $28,326 | $37,955 | $564,428 |
| 15 | $26,447 | $39,834 | $524,594 |
| 16 | $24,476 | $41,806 | $482,788 |
| 17 | $22,406 | $43,875 | $438,913 |
| 18 | $20,235 | $46,047 | $392,867 |
| 19 | $17,955 | $48,326 | $344,541 |
| 20 | $15,563 | $50,718 | $293,823 |
| 21 | $13,053 | $53,228 | $240,594 |
| 22 | $10,418 | $55,863 | $184,731 |
| 23 | $7,653 | $58,628 | $126,103 |
| 24 | $4,751 | $61,530 | $64,573 |
| 25 | $1,706 | $64,573 | $0 |
Indicative, not a lender decision or a pre-approval. Assumes the same rate for the whole amortization; rates change at renewal.
Our file had every complication you can think of. Elena explained each step plainly and we never felt rushed.
She started on our renewal months before the date, which gave us real choices instead of a letter to sign.
As business owners we were used to banks not understanding us. This time the file was ready before we were.
Three to six months before a purchase or a renewal date gives the most choice. A first conversation costs nothing.
Yes. Much of my work is with business owners and incorporated professionals; I’ll tell you which documents tell your story best.
On most residential files the lender pays the brokerage. If a file needs a private lender or a fee, you’ll see it in writing before you agree to anything.
No. It’s an indicative estimate to help you plan. Only a lender’s written approval is a decision.
Upload everything from your phone or computer. It goes straight to Elena’s secure document storage in Canada, with a checklist made for your situation.
Sample site: on a live site, the secure upload form opens right here.
Tell me about the home, the timing and what makes your situation different. I’ll tell you honestly what’s possible.