Home Buying2026-05-28T15:44:31+00:00

Mortgages and Renewals

Your home is more than just a place to live, I get it. I help you navigate the world of mortgages and renewals with care and expertise. Whether you’re buying your first home, upgrading to accommodate a growing family, or renewing your mortgage to ensure long-term stability, I’m here to support you every step of the way.

Meeting Your Goals

As a trusted Burlington Mortgage Broker, I help buyers plan ahead, understand their affordability, and secure mortgage financing that supports today’s purchase as well as their long-term financial goals.

Many of my clients begin working with me months, or even years, before they buy, so they’re fully prepared when the right home comes along.

My Mortgage Services

  • First-time home buyer mortgage guidance
  • Selling and Buying scenarios that show the true costs and potential down payment for moving/upsizing
  • Mortgage pre-qualifications that are underwritten upfront by me, so you feel confident in your numbers and don’t waste time on unsuitable properties
  • Purchase strategies for competitive and multiple-offer situations (in collaboration with your realtor)
  • Transparent, clear explanations on complicated mortgage terms and lender requests
  • Easy accessibility during the process of home buying

Making the process simple.

Make a Plan

Your dream home is right around the corner. First, let’s talk about your goals. I work with some clients years before they’re ready to buy, helping them build credit, save for downpayments, and strategize, getting their family into the home they deserve.

Get Pre-Approved

Know your buying power in advance. Applying for a pre-approval is an essential step in the home buying process, before you even start looking at houses. Know your budget, talk to your real estate agent, and fall in love with your dream home, knowing it’s in reach

Apply Online

You’re busy, I get that! With an online application and secure client portal, your mortgage doesn’t have to be a hassle. Work face to face, or completely online. Let’s make your mortgage-buying process work for you.

Renew on Time

A mortgage renewal can be as simple or complicated as you want. But with thousands of dollars on the line, you deserve the best. I’m here to help you renew with the future in mind, while keeping the process easy and convenient.

“Was referred to Nicole by our real estate team. As first time home buyers she made all the difference in helping us understand the process and simplified everything!

We didn’t have simple circumstances but she worked so hard to accommodate us and provide us the best possible outcome! Very happy we went with Nicole and will be recommending her to our friends and family!”

Erin Tymoszewicz
Client since 2023

Mortgage Questions? I can help.

How far in advance do I need to renew my mortgage?2026-05-27T15:24:44+00:00

Do yourself a favor and talk to a mortgage professional at least 3 months before renewal. Ready to secure the best mortgage for your needs? Book a call today!

Is it hard to renew a mortgage?2026-05-27T15:24:26+00:00

Renewals can be as hard or simple as you make them! While submitting income documents (T4s, NOAs, paystubs, pension statements, CCB statements, letters of employment etc.) may seem daunting, doing so will enable you to secure the best rate. After all, isn’t it worth it to secure the best advice, mortgage, and rate for your most significant expense?

Can I qualify for a mortgage if I have been at my job less than 2 years?2026-05-27T15:23:54+00:00

Yes! Depending on your employment type (salary or hourly), you’ll need to provide documents showing year-to-date (YTD) income and annual income:

  • Recent pay stubs (within 60 days) showing YTD income
  • Letter of employment (dated within 60 days)
  • Most recent Notice of Assessment (NOA)
  • Previous year-end pay stubs
  • Most recent T4
  • T1 Generals from the last 2 years

Every mortgage application is unique, and I’m here to discuss tailored solutions to fit your needs. Let’s explore your mortgage options today!

Do I need to wait for interest rates to drop?2026-05-27T15:23:34+00:00

I’ve said it once and I’ll say it again…the best time to buy a house is when YOU are ready.

“Don’t wait to buy real estate. Buy real estate and wait.”

– Will Rogers, actor and humorist

If you want to discuss your real estate dream, contact me today and we can start YOUR pre-qualification TODAY!

You can always buy now and refinance when interest rates drop, rather than waiting to buy.

Can I borrow part of my down payment?2026-05-27T15:23:18+00:00

Yes. You can borrow equity from various sources such as personal loans, lines of credit, lender credit, gifts, or grants, provided they are from arm’s length parties. However, loan repayments must be factored into the calculation and must comply with allowable debt ratios, typically capped at 44% of total income.

Can I still put 5% down payment if I am not a first time home buyer?2026-05-27T15:22:03+00:00

YES! Anyone is eligible to put down 5% on a new purchase, even if you are not a first time home buyer! The only change is that your mortgage will need to be insured by CMHC. This insurance can be paid as a lump sum or included in your regular mortgage payments.

Discover Your Mortgage Options

I provide clear, strategic mortgage advice for buyers, homeowners, retirees, and investors across Burlington, Oakville, and the GTA.

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