Frequently asked questions
Answers to the questions Halifax clients ask most, before we even get on a call.
In most residential cases, no. Lenders pay the broker a finder's fee, so my advice costs you nothing. The only exception is some alternative or private lending situations, which I'll always explain up front.
As little as 5% on homes under $500,000, with a sliding scale above that. Anything below 20% down requires CMHC mortgage default insurance.
An initial pre-approval conversation can typically be done with a soft check that doesn't affect your score. A hard credit check happens only when we move forward with a specific lender.
Yes. Self-employed and alternative-income clients are one of my most common files. I work with lenders who look at your full financial picture, not just your line 150.
Your bank's renewal letter is rarely their best offer. It costs nothing to have me compare it against the rest of the market before you sign anything.
Most pre-approvals are completed within a few business days once I have your income, credit, and down payment details.
Primarily Halifax, Dartmouth, Bedford, and the wider Halifax Regional Municipality, with licensing that also covers New Brunswick and Alberta.
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