First-Time Buyers
FHSA, RRSP Home Buyers' Plan, 5% down programs, first-time buyer rebates. We map every dollar.
Accepting new clients · {{location.city}}, {{location.state}}
A house is a home.
A mortgage is a contract.
Read the fine print with someone who's on your side.
I'm {{location_owner.first_name}}, your licensed Mortgage Expert in {{location.city}}. I shop 90+ Canadian lenders so you don't have to — and I read every line so you know exactly what you're signing.
90+ lenders
DLC has funded more mortgages than anyone in Canada
Licensed in {{location.state}}
Live rate sheet · {{right_now.month_name}} {{right_now.day}}, {{right_now.year}}
The bank's posted rate isn't your real rate.
Here's the side-by-side. Bank rates pulled from posted public rates this week. My rates are from 90+ lender partners. Same mortgage. Different number.
Current Variable Rate
3.70%
as of today, OAC
Current Prime Rate
4.45%
as of today, OAC
6 Months
$197.72/mo
Big Bank
7.89%
DLC Rate
4.59%
1 Year
$90.26/mo
Big Bank
6.15%
DLC Rate
4.59%
2 Years
$59.53/mo
Big Bank
5.44%
DLC Rate
4.39%
3 Years
$15.55/mo
Big Bank
4.62%
DLC Rate
4.34%
4 Years
$93.03/mo
Big Bank
6.01%
DLC Rate
4.39%
5 Years
$9.44/mo
Big Bank
4.56%
DLC Rate
4.39%
7 Years
$105.89/mo
Big Bank
6.41%
DLC Rate
4.59%
10 Years
$130.24/mo
Big Bank
6.81%
DLC Rate
4.59%
On a $500,000 mortgage
That's up to $988/month in your pocket vs the big banks.
That's $11,856 a year. Or a kitchen reno. Or a really good vacation.
Advertised rates are not guaranteed. The rate provided by any financial institution will be based on your personal situation. OAC. Rates subject to change without notice.
60 seconds · personalized rate
The 60-second mortgage quiz.
Six quick questions. I'll text you a personalized rate within 10 minutes.
1 of 6
17%
Real numbers · no email required
See your real monthly payment.
CMHC, land transfer tax, and total cash needed at closing, all calculated in real time.
$650,000
15% · $97,500
4.39%
Monthly payment
$3,128
Principal + interest
- Mortgage amount$575,360
- CMHC insurance$22,860
- Land transfer tax$11,000
- Total cash at closing$108,500
For illustration only. Actual payment depends on credit, income, property type, and lender approval. Land transfer tax is a simplified estimate.
The process
From application to keys.
Four clear steps. No surprises.
01
Apply in 5 minutes
Quick online application. No commitment, no hard credit pull until you're ready.
02
Pre-approved in 24 hrs
I'll review with you, lock in your rate hold (up to 120 days), and answer every question.
03
Shop with confidence
Make offers knowing exactly what you can afford. Realtors take you seriously.
04
Close with my support
I quarterback your closing with the lender, lawyer, and realtor. You just sign.
What I do
Whatever the situation. I've got a lender for it.
Banks have one product. I have ninety. Tell me what you need. There's almost always a path.
Renewals
Don't sign that bank renewal letter. We shop your renewal across 90+ lenders. Most clients save thousands.
Refinancing
Pull equity for a reno, consolidate high-interest debt, or restructure for a better rate. We model the math.
Investment Properties
Rental qualifying, multi-unit, second homes, vacation rentals. Lenders that actually understand the math.
Self-Employed
Bank statement programs, stated income, contractors. Specialty lenders that don't punish you for being your own boss.
New to Canada
PR, work permit, no Canadian credit history? There are full programs designed exactly for your situation.
Trusted by Canada's top lenders
Access to 90+ lenders.
Way more options than your bank.
Scotiabank
TD
First National
MCAP
Equitable Bank
Manulife
Home Trust
B2B Bank
ICICI Bank
Merix
RFA
RMG
Marathon
CMLS
Bridgewater
Fisgard
Home Equity Bank
Wealth One
Plus dozens more. The big banks only show you their own products. I show you the whole market.
{{custom_values.dlc_years_experience}}+
years
500+
families
90+
lenders
About {{location_owner.first_name}}
A real person. On your side.
I've spent {{custom_values.dlc_years_experience}}+ years helping Canadians get better mortgages than their bank would ever show them. Before this, I worked inside the system, so I know exactly how the script goes when you sit down for a renewal.
My job is simple: shop your file across 90+ lenders, explain the trade-offs in plain English, and quarterback your file to closing. No long phone trees. No "let me transfer you." Just me, my team, and your file.
Born and based in {{location.city}}. Licensed Mortgage Expert with Dominion Lending Centres, Canada's largest mortgage brokerage. Let's talk.
Licence #{{custom_values.brokerage_license_number}}
{{location.city}}, BC
5.0 across 50+ reviews
Real Canadians. Real outcomes.
"We were stuck consolidating $48K of credit card debt and our bank wanted nothing to do with it. {{location_owner.first_name}} rolled it all into our mortgage, dropped our monthly payments by $720, and we kept our home. Honestly life-changing."
Sarah & Daniel M.
Refinance · Kamloops, BC
"RBC offered me 5.84% on renewal. {{location_owner.first_name}} got me 4.39% the same week with another A-lender. Same product, same prepayment terms, $238 a month back in my pocket. Took me 25 minutes total."
Priya R.
Renewal · Mississauga, ON
"My parents co-signed our first house and we had no clue how it would work tax-wise. {{location_owner.first_name}} walked us all through it on one call, got us a great rate, and the closing was boring in the best way."
Tyler & Mei H.
First-time buyer · Calgary, AB
"Self-employed for nine years. Two banks said no. {{location_owner.first_name}} sent it to a B-lender that actually reads tax returns properly. Approved in three days, closed two weeks later. Wish I'd called him first."
Kevin O.
Self-employed · Vancouver, BC
"First home in {{location.city}} at 26. We thought we couldn't afford it. {{location_owner.first_name}} walked us through the FHSA + RRSP combo, found us a 30-year amortization at a great rate, and we got the keys in May."
Jess & Cole P.
First-time buyer · Kamloops, BC
Frequently asked
Questions, answered.
How much down payment do I really need in Canada?
For homes under $500,000 you need 5% down. From $500,000 to $1.5M you need 5% on the first $500K and 10% on the rest. Above $1.5M you need 20% down. Less than 20% down requires CMHC mortgage default insurance, which gets added to your mortgage.
What's the difference between fixed and variable rates right now?
A fixed rate locks your payment and rate for the term: predictable but typically a small premium over variable. A variable rate floats with prime: it has historically saved borrowers money over the long run, but exposes you to Bank of Canada moves. Best choice depends on your risk tolerance, timeline, and where rates are heading. We'll model both for your file.
Can I get a mortgage if I'm self-employed?
Yes. Banks often shy away from self-employed files because they look at line 150 of your tax return, but many of our 90+ lender partners specialize in self-employed financing and use bank statements, contracts, or stated-income programs. We routinely close mortgages for self-employed Canadians the big banks declined.
What is the stress test and how does it affect my approval?
OSFI's B-20 guideline (the "stress test") requires you qualify at the greater of 5.25% or your contract rate plus 2%. It doesn't change what you pay. It changes what you qualify for. We model your exact qualifying amount up front, so there are no surprises at the lender.
Should I just renew with my current bank?
Renewing with your current bank is convenient, but they almost never offer their best rate on renewal. They bank on convenience. On a $500,000 mortgage, even a 0.20% difference is over $5,000 across a five-year term. We shop your renewal across 90+ lenders for free. Most clients save thousands.
How much does a Mortgage Expert cost me?
Nothing on most regulated mortgages. The lender pays the Mortgage Expert a finder fee at closing. You get expert advice and lender shopping at zero cost. Fees only apply for non-traditional credit profiles or private lending, and are always disclosed in writing before you commit.
How is CMHC insurance calculated?
CMHC premium is a percentage of your mortgage based on down payment: 4% if you put 5–9.99% down, 3.1% for 10–14.99%, 2.8% for 15–19.99%, and 0% if you put 20% or more down. The premium is added directly to your mortgage balance.
Can I use my FHSA and RRSP Home Buyers' Plan together?
Yes. As of 2023, first-time buyers can combine the FHSA (up to $40,000 contributions, fully tax-deductible and tax-free withdrawal) with the RRSP Home Buyers' Plan (up to $60,000) for a tax-advantaged $100,000 toward a down payment per person. For couples that's up to $200,000.
Still have questions?
Ask {{location_owner.first_name}} Free · no obligation
Ready to stop overpaying?
Send a quick message. I'll respond personally, usually within an hour during business hours.
- No hard credit pull
- Free, expert advice
- Pre-approval in 24 hours
{{location_owner.first_name}} {{location_owner.last_name}}
Licensed Mortgage Expert · DLC
{{location.phone}}
Pick a time that works for you
Book a 15-minute call.
Bring your questions. We'll figure out the path together.