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

  • A real go getter, he definitely helped us a ton with jumping through the hoops of buying a house, really made buying our first house a lot less stressful.

    thumb Bradley Gobeil
    August 27, 2022

    Duane is professional, fast and finds the best prices! He has helped us with 3 different purchases and every single time we were super impressed with his service!

    thumb Lillian Dueck Philippsen
    August 26, 2022
  • Duane helped us get the right mortgage on our purchase. He was very professional and knowledgeable about the market situation, helping us get the best rate possible. Always got back... read more

    thumb Fred Philippsen
    August 26, 2022

    Duane worked with me, to get me pre approved and locked in to my mortgage rate as he had the foresight to see it would be going up. Saved me... read more

    thumb OldPainlessIsWaiting
    August 26, 2022
  • Duane was amazing!! He was so personable, and he made me feel comfortable and confident with the decisions that had to be made all through the process. Being a first-time... read more

    thumb C Poole
    August 26, 2022

    Update: I just recently worked with Duane for a second time to purchase a vacation property. Again, he took care of everything and made it a pleasant and easy experience.... read more

    thumb Amanda Jones
    May 25, 2022
  • Duane was very knowledgeable, patient and provided prompt responses when needed. Have already recommended to others and will continue to do so.

    thumb Keagan Wallace
    May 17, 2022

    We had a great experience with Duane. He was speedy in his response and clear regarding what he needed from us to get our mortgage. Would recommend and use his... read more

    thumb Taylor Norman
    May 17, 2022
  • Duane was very helpful through the entire process of renewing our mortgage. Everything was done electronically which was very convenient, and he was able to answer all of our questions... read more

    thumb J Bezmala
    May 16, 2022

    Duane was fantastic in getting us set up with our first home. The amount of question I had for him would have annoyed me, but not Duane! He answered all... read more

    thumb Brett & Katie Morgan
    May 16, 2022