The first move

Tell me about your file.

However complicated it looks from where you’re sitting, the first step is the same: send me the details and get a straight answer about where you stand.

Nothing here surprises me

Arrears, collections, a judgement, a decline you’d rather not repeat out loud — I have worked all of it, and I have my own story besides.

The awkward parts are the useful parts

I can only build the argument if I have the whole picture. Leaving something out doesn’t protect the file; it weakens it.

It comes to me, and only me

No call centre, no lead broker, no quote blasted out to five strangers. One person reads it and gets back to you.

Submissions are private and come only to me.

Before you get in touch

The questions people actually ask.

How much will this cost me?
In most cases the lender pays me, not you — that surprises a lot of people, and it's the single most common reason someone hesitates to call a broker at all. The exception is a private mortgage, where a brokerage fee does apply. If your file ever heads that way, you'll know exactly what it is before anything is signed.
Why would I go to you instead of my own bank?
Your bank has one rulebook and one answer. If your file fits it, they'll say yes and you barely need anyone. If it doesn't, they have nowhere else to send you. I work the whole market — and more importantly, I build the case before a lender ever sees it. A borrower declined at their own bank has been approved at that same bank once the file was presented properly.
My bank is advertising a lower rate. Can you beat it?
Maybe — but that's the wrong question, and it's the one that costs people the most money. The lowest rate and the cheapest mortgage aren't the same thing. What you actually pay depends on the amortization, the payment schedule, and above all the penalty terms if you ever need to break or move the mortgage. A slightly better rate with punishing exit terms can cost far more than the number saved. I'll show you the whole picture rather than just the headline.
I've already been declined. Is it worth trying again?
That's usually the best time to call me. A decline is a starting position, not a verdict. I'll ask the lender for the specific reason, ask whether an exception is possible — most people never ask — and if the answer is genuinely no, take the same file somewhere it fits. Nothing about you needs to change. How the file is built and argued does.
My situation is messy. Will you still take it on?
The messy ones are the work. Self-employed income, credit that needs explaining, CRA arrears, collections and judgements, an estate in the middle of it. Everybody has a story — I have one too — and the job is putting yours in front of a lender in a way they can say yes to.
Do I really have to tell you everything?
Yes, and it's the part people find hardest. Leaving something out doesn't protect your file, it weakens it — I can only build an argument around a problem I know about, and I'd much rather find it now than have an underwriter find it later. Nothing you send goes anywhere but to me.
Where can you work?
I am based in Calgary and licensed in both Alberta and Ontario, and I place files with lenders across Canada, in every province.