Move Forward With Clarity Before You List

Move-up decisions involve more than qualifying for the next home. Reviewing equity, renewal timing, and financing structure early creates flexibility and reduces pressure later.

This is steady and structured.

Schedule a Transition Review

Why Work With a Broker Instead of Going Direct to a Bank?

  • More Choice - We shop multiple lenders, not just one bank.

  • Better Fit - Every family’s situation is unique; we find terms that match your needs.

  • Guided Support - From application to closing day, we walk you through every step.

  • Local Expertise - Deep knowledge of Nova Scotia housing markets.

Advantages of Working with a Mortgage Broker

  • Pre-Approvals so you know your budget before house hunting

  • Competitive Rates from Canada’s top lenders.

  • Tailored Advice for first-time buyers, families, and relocations.

  • Smooth Process — paperwork and deadlines handled for you.

Step-by-Step: My Process to Help You Buy

Step 1: Consultation

Understand your goals and finances.

Step 2: Pre- Approval

Clear budget and strong buyer positioning.

Step 3: House Hunting

Partner with your realtor, financing ready.

Step 4: Closing

Coordinate with lawyer, lender, and realtor.

 FAQs

  • In Canada, the minimum is 5% of the purchase price for homes under $500,000. For homes over that, 10% is required on the portion above $500,000.

  • Pre-approval gives you a clear budget and locks in a rate for up to 120 days. Final approval happens once you’ve chosen a property and the lender has reviewed all details.

  • Yes. Lenders offer programs for business-for-self clients. I help you prepare the right income documents to support your application.

  • Pre-approvals can be completed in 24–48 hours. Full approvals usually happen within a few business days once documents are in.

  • No. As a broker, I connect you to many lenders, including banks, credit unions, and alternative options.

  • Plan for 1.5–2% of the purchase price for legal fees, land transfer tax (if applicable), inspections, and adjustments.

Ready to Get Started?

Click below to begin your journey to homeownership.

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Start Pre- Approval Now