Services

MORTGAGE BROKERING

One of the main benefits of a Mortgage Broker is that they have access to, and knowledge of, the entire mortgage market-not just the banks.

Janet will take your personal lifestyle and budget factors into account, and is able to provide you not only with the best available rate, but features that help you meet your exact needs now and in the future. Janet is working on your side to shop the mortgage market for you, saving you time now, and possibly a considerable amount of money over the term of your mortgage.

Janet will assist you from start to finish; in the application process, from pre-approval to home appraisal. Start the process apply or download the application today.

 


 

REVERSE MORTGAGES (CHIP)

Are you 55 & Older? Would you like to access some of the investment in your home?

A reverse mortgage is a loan secured against the value of your home, which marks the difference between the equity of your home and the unpaid balance of your mortgage. This allows homeowners to gain access to the capital of their home without having to sell their house or move.

 

Other benefits of CHIP include:

  • Accessing up to 55% of your home’s value.
  • Maintaining ownership for as long as you choose to stay in your home.
  • Not having to make regular payments until you no longer live in your home.
  • Being able to enjoy your retirement, with tax-free CHIP money.
  • Being able to take control of your finances, plans, and priorities.

 

 


 

FINANCIAL COUNSELLING

Literally thousands of Canadians struggle each month to pay their bills and make their payments. If you are one of them, you are not alone. Having been raised by a single mother, Janet know the challenges parents face on a daily basis, so whether you are married or single, she is here to help. This is why Janet become a Certified Credit Counsellor to help others realize life doesn’t need to be this way.

 

As an experienced Credit Counsellor, Janet will sit down with you and get a complete picture of your financial situation. Then work together to create a budget and a plan to immediately regain financial stability;  identifying the best solutions to get you out of debt. Some areas of expertise:

  • Budgeting
  • Refinancing
  • Reverse Mortgage
  • Debt Consolidation

Stop losing sleep, call or email Janet today!