When it comes to Mortgages, Think Outside the Branch

It’s in your best interest

Why Me?

Because I love what I do. Purchasing a home is an important decision, that you should feel confident about.

As a mortgage broker I love helping you find that confidence by offering valuable insights throughout the process, saving you time, and finding the best mortgage rate that suits you and your family. But don’t just take my word for it, see what my clients say.

Mortgage Broker Professional


Independent and expert advice on your financial options. I am not tied to a specific mortgage lender or product so can offer you the best mortgage rate that matches your specific needs.

One-stop Shopping

Make your comparison-shopping fast, easy, and convenient. Instead of spending your valuable time taking time off work to meet your bank, I can help you with an evening or weekend call and it can be done all online or by email. I can quickly narrow down the list of lenders that will help you achieve your financial goals.

No Charge to You

Just as it says! There's absolutely no charge for my services on typical residential mortgage transactions.

Frequently Asked Mortgage Questions

Mortgage brokers are trained professionals licenced to represent and give you the best advice for your home loan.  Mortgage brokers are experts in locating funding for your home financing and finding the best rates.

Mortgage brokers are critical members of your real estate team.  Good brokers can save you thousands of dollars in mortgage costs and make the application process simple.  A skilled mortgage broker can be the difference between getting approved or declined by a lender.

Mortgage brokers are paid by the lender, so there is no cost to you!  If you require a private lender, however, you will be charged a fee since private lenders do not pay the mortgage broker.  In this case, you will be made aware of the fee upfront.

Talking to a mortgage broker and getting a pre-approval should be your first step in the home buying process.  A pre-approval will allow you to understand how much you qualify for so that you can look for homes in that range.

Mortgage brokers have access to numerous lenders including both public and private sources.  Different lenders provide different financing products, some of which are not available at most banks and conventional sources.  Brokers will get you the best deal for your situation.

Mortgage brokers have connections with lenders and brokers and thorough knowledge of interest rates. They know which homes attract favourable interest rates from certain institutions but higher rates at others. They keep current on changing interest rates and know which lenders to approach.

The amount that you think you can afford and the amount that a lender thinks you can afford might not always match.  Lenders compare your pre-tax monthly income with the monthly mortgage payment and other fees.  They also consider your credit score and any outstanding loans including vehicle loans, credit card balances, etc.  Getting a pre-approval is a great way to understand what purchase price you can afford.

The minimum down payment is 5% of the purchase price.  Lenders will need to see where your down payment is coming from through a 90-day history of accounts, a gift letter, or a paper trail.  While it is possible to qualify for a mortgage without a down payment, specific conditions must be met.

A pre-approval is a basic application that determines the purchase price of a home that you can afford.  Once you have a pre-approval, you can begin house hunting with a budget in mind.  You also don’t have to worry about a spike in interest rates since the pre-approval gives you a guaranteed interest rate for up to 120 days.

Applying online is very secure.  If you are not comfortable providing specific information such as Social Insurance Numbers or other details online, you can leave that information blank and I will get those details from you later.

Yes, it is possible to get money for renovations if you plan on doing renovations in your new home.  This is called purchase plus improvement, and it requires quotes for the work, and you will have to pay for the renovations up front.  Once they are completed, the bank will release the funds to you.

Mortgage default insurance is a requirement for all homeowners who put less than 20% down for a down payment.  The smaller the down payment, the larger percentage the insurer will charge.  Default insurance is often referred to as CMHC insurance, although three companies in Canada offer this insurance.

You are not obligated to have life and disability insurance to have a mortgage, although we do recommend it.  Mortgage payments are major financial obligations and insurance is there to help protect yourself and your family if death or accidents occur.

Featured Mortgage Offers

Peace of Mind Cash Back

With Covid-19 mortgage clients are looking for comfort and peace of mind. Available for new clients on a standard fixed mortgage.

*Cannot be used toward down payment

Purchase + improvements

Have you ever walked into a house and love it, but needed some TLC or upgrading?

Get up to 10% of the home value for improvements you want done by rolling the costs of renovation into a purchase-plus-improvements mortgage. You can make a good house GREAT!

invest or flip for as little as $10,000 down

In this market there are great opportunities to buy a home to fix up and flip.

That’s right! For as little as 10k down.

Which means you can keep more of your capital to renovate and resell.

Happy Clients

  • 5 star review  Duane is very efficient, professional, patient and informative. All of this stuff is way over my head, but he made the whole process feel easy and enjoyable. I Can't... read more

    thumb Mikaila P
    November 18, 2021

    5 star review  Duane was amazing to work with. He made purchasing our first home a stress free process. He went above and beyond for us! Considering we were not using a realtor,... read more

    thumb Jared Bezovie
    November 18, 2021
  • 5 star review  I was shocked how easy and simple Duane made my mortgage process happen. He is very knowledgeable and punctual which made my experience 100% positive!! He is the best at... read more

    thumb Jason Carnell
    November 10, 2021

    5 star review  As first time home buyers, Duane was extremely patient as we were dealing with an estate situation. He didn't push, but made sure to follow up and keep us... read more

    thumb Michelle Todd
    November 9, 2021
  • 5 star review  I couldn't be happier with the services Duane supplied. Having a few different businesses proving my sources of income was no easy task. So much so that my bank could... read more

    thumb Trevor Vilneff
    October 29, 2021

    5 star review  2021 Update: I recently sold my first home and bought my second, and went back to Duane as my mortgage broker. He did an amazing job! Not only did he... read more

    thumb Hanna Oh
    October 28, 2021
  • 5 star review  Getting a mortgage is a time-sensitive procedure. Duane prepared me for what to expect so that when the time came, the approval was smooth. He was personable and... read more

    thumb May Picardo
    October 20, 2021

    5 star review  Duane was incredibly helpful and knowledgeable in getting us a mortgage. He answered all of our many questions and never left us wondering. Duane, thank you for all your hard... read more

    thumb Aullivonne Ash
    October 19, 2021
  • 5 star review  I found Duane through the recommendation of several people I know, and he did not disappoint! He was very responsive, took the time to explain when I had questions, and... read more

    thumb Jennifer Kadach
    October 19, 2021

    5 star review  I have worked with Duane on a few residential and commercial deals. I enjoyed working with him on every deal as he is very professional and knowledgeable. I would definitely... read more

    thumb Rafic Eid
    October 12, 2021