Investment & Commercial Financing2026-05-28T15:47:40+00:00

Investment & Commercial Financing

Financing investment properties, mixed use, and smaller-scale commercial buildings requires a different approach than residential lending.

Meeting Your Goals

I work with real estate investors, private mortgage companies, and commercial lenders to structure financing that supports long term real estate goals for business or investment.

In rental properties, owner-occupied and mixed-use commercial buildings, I help navigate lender options, qualification requirements, and creative solutions when traditional financing doesn’t quite fit.

My Mortgage Services

  • Financing for single family rentals, multi unit properties, and long term investments, with a focus on cash flow, portfolio growth, and future flexibility.
  • Mortgage solutions for investment purposes and business-owned commercial properties
  • Specialized lending for properties that combine residential and commercial space
  • Guidance through lender requirements and loan structures.
  • Mortgage planning to support stability, flexibility, and long term wealth building.

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?2026-05-27T16:05:05+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!

Can I qualify for a mortgage if I have been at my job less than 2 years?2026-05-27T16:04:47+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?2026-05-27T16:04:29+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?2026-05-27T16:04:08+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.

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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