A bit of everything, depending on where you’re at.

I work with clients who are:

• buying their first home

• moving into their next home

• renewing their mortgage

• refinancing or restructuring

• needing help financing a renovation

• or just trying to understand their options

You don’t need to fit into a perfect category.

Not at all.

Most people I work with aren’t fully ready yet—they’re just starting to think about it or want to understand what’s possible. That’s honestly the best time to reach out.

We can talk through where you’re at, what makes sense, and what your next step could look like—without any pressure.

Not at all.

I’m based in Innerkip and work closely with clients across Woodstock, Ingersoll, Drumbo, Tavistock, and Oxford County—but I also support clients throughout Ontario.

Many of the people I work with come through referrals and community connections, so no matter where you’re located, you’ll still get a thoughtful, personal experience.

It depends on the price of the home, but in Canada:

• 5% for homes under $500,000

• 5–10% for homes up to $1M

• 20% for homes over $1M

But more important than the exact number is understanding what’s comfortable for you—we’ll walk through that together.ption

This is one of the first things we’ll figure out.

It’s not just about what a lender will approve you for—it’s about what fits your life, your monthly comfort, and your goals.

You don’t need perfect credit.

There are options for a wide range of situations, and part of my job is helping you understand what’s possible—and how to improve things if needed.

Not always.

Most people sign their renewal because it’s easy—but it’s not always the best option.

Before you renew, it’s worth reviewing:

• your rate

• your current situation

• and whether a different structure or lender makes more sense

Refinancing can be helpful if you want to:

• access equity

• consolidate debt

• lower your monthly payments

• or reset your mortgage structure

It’s not always the right move—but when it is, it can make a big difference.

It’s simple.

We start with a conversation—phone, text, or email—whatever feels easiest.

From there, I’ll:

• understand your situation

• walk you through your options

• and guide you step-by-step

No pressure, no overwhelm.

In most cases, no—you don’t pay me directly.

I’m paid by the lender once your mortgage is completed.

If there’s ever a situation where that’s different, I’ll always explain it clearly upfront.

There are often more options than people realize, especially outside of the banks.

Even if it’s not an immediate yes, we can build a plan to help get you there.

Because this is about more than just a rate.

I work for you—not a bank—which means:

• I can look at multiple lenders

• I can tailor things to your situation

• and I’ll walk you through it in a way that actually makes sense

Most of the people I work with are referrals, friends, or part of the same community—which means trust matters just as much as the numbers.