Parwinder Dheldy

Are you getting ready to buy your first home or move to your next home? The #1 thing you can do is get advice early. Talking with a mortgage professional like myself will help you understand: What you can afford The down payment you need Costs involved with buying a home... Improving your credit Prepayment options Refinancing penalties (if you decide to do so down the road) Budgeting and more! Send me a message today and let's start the conversation.

With rates being low, and expected to stay for a while, now is a great time to unlock equity through refinancing or a home equity line of credit (HELOC). Refinancing allows you to access equity and possibly obtain a better interest term and rate. Where as a HELOC lets you keep the mortgage you are currently paying while getting access to a large sum of money. Send me a message and we can explore the possibilities available to you.

Borrowing money is harder for self-employed Canadians. A group that, according to Statistics Canada, has a higher median net worth than paid employees. We can help turn the tables. With access to banks, private lenders, credit unions and more we will find the mortgage that's right for you.

Just a reminder that I have access to unique products and services to help you achieve your home ownership goals and also assist you with your financial needs beyond just mortgages. Ask me for information on home and auto insurance as well as a unique cash back Mastercard.

High interest credit card debt can take years to pay off when making the minimum payment. Did you know that you can consolidate high interest debt into your mortgage by refinancing? A strategy like this can potentially free up hundreds of dollars a month depending on your situation. Send me a message to see if refinancing to pay off high interest debt is the right solution for you.