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Serving: Ancaster, Binbrook, Burlington, Caledonia, Dundas, Flamborough, Hamilton, Stoney Creek, Grimsby, Niagara and all Surrounding Areas !

MORTGAGES

Whether you require a new First mortgage or a Second Mortgage, the process can be intimidating. As your Mortgage Broker I am here to help alieviate the stress and make sure the process goes smoothly for you.


We will go through your application and discuss which options are most important to you. Whether that is rate or cash flow, we will work together to find the solution most suited to your needs.

HOME EQUITY LINE OF CREDIT

By utilizing the Equity you have built up in your home, we can secured a Home Equity Secured Line of Credit to give you the lowest Interest Rate option available for future use.


The limit is based on a Maximum combined value of your existing Mortgage plus Line of Credit to a maximum of 80% of the appraised value. If you have paid off your mortgage, then we can advance a Line of Credit to 65% of the appraised value..

PRIVATE MORTGAGES

Private Lenders are here to assist clients when they don't qualify through the regular lending channels.


Whether that is based on credit challenges, post bankruptcy or pay off a proposal to get yoru credit re-established earlier, short times lines for house closing, blanket mortgages, property issues or even property location. Private lenders think outside the box and will provide the options and solutions for your financing needs.

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Gail Sylvester
Your Mortgage Broker

 Gail has been working together with her clients for the past 20 years, guiding them in making the right financial decision that best suits them and their families needs. With a variety of lenders and options to work with, there will always be a solution to put in place. Whether that is today or putting together a plan for the future, Gail is here to help !

Let Gail work with you, to show you how she can make a difference in your daily financial life through discussions on your needs and to ensure you are not house poor or living beyond your means. 

Gail can also help you understand any of the emotional blocks you are carrying when it comes to your budget setting and your spending habits. 

Money is Energy ! 

You need to be aware of the focus you put on your finances, whether that is through unconscious habits or with intention. Sometimes just not knowing where to begin, is the fear of the unknown that will keep you exactly where you are today, feeling frustrated and unable to achieve the goals you have set for yourself. Don't let doubt and old habits keep you where you are today. We all have goals that we want to achieve, so let's work together to put that plan in place for your next steps. 

Whether you are buying your first home, moving to your next home or looking to refinance to increase cash flow, contact Gail today to get the conversation started. 

There is no better time than the present to get your plan into Action ....

20 Years of 
Experience 

Working together
 with You 
for a Solution! 
It's not always
about rate. 

It is about finding
 the right solution 
for You 
and Your Family 

First home 
Second home 
Cottage property
Investment property 
 

Has your lender 
declined your 
mortgage application ? 

Lets talk about 
your options !

20 Years of 
Experience 

Working together with You for a Solution! 
It's not always
about rate. 
It is about finding the
 right solution for You 
and your family 

Has your lender declined your mortgage application ? 

Lets talk about 
your options !

First home 
Second home 
Cottage property
Investment property 
 

What Our Clients Are Saying

News & Views

  • 3 Ways to Make Homeownership a Reality.

    In the past two years, the mortgage pre-approval process has become challenging.  However, with a little creativity and flexibility, there are ways to ensure a pre-approval and speed-up your homeownership status. With these three steps, you will be on your way to adding homeowner to your list of...

    Read More ...

  • Bank of Canada Announcement - October 30, 2019

    Bank of Canada Announcement Here is your personal update from me on the recent Bank of Canada announcement on changes to their Overnight Rate which in most cases impacts your Prime Rate.  At 10:00 am EST, Wednesday October 30, 2019, the Bank of Canada maintained their overnight rate which in...

    Read More ...

  • Get your Mortgage Working for You! 

    They say mortgage debt is good debt, and that is true due to the fact you are accumulating equity with every dollar you pay down.  As well, historically, property in the GTA appreciates year-over-year, making your asset worth more with every passing year.  What is important to remember is your...

    Read More ...

  • What is your Money Mindset and How Does it Affect your Mortgage?

    Your money mindset, positive or negative, will influence every part of your decision-making ability.  If you were taught that money is the cause of endless trouble, you most likely identify with the following phrases: money doesn’t grow on trees you have to spend money to make money money is the root of...

    Read More ...

Lenders

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Mernix
Meridian
ICIC
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