First-time buyer
As little as 5% down, FHSA and RRSP Home Buyers' Plan strategies, and land transfer tax rebates mapped out before you shop.
Mortgage Agent Level 2 · M21003223
Your mortgage,
architected around you.
I'm Vince - a licensed Level 2 mortgage agent with Mortgage Architects. I work for you, not the bank, comparing 60+ lenders to build the mortgage that best fits you and your future.
- 60+
- Lender partners
- 24 hr
- Application turnaround
- $0
- Cost to you on most deals
Mortgage solutions
Know what you're signing before you sign it
Rate is only one line of the contract. Prepayment privileges, penalty calculations, portability and amortization decide what a mortgage really costs you.
Fixed vs. variable
Fixed locks your rate for the term. Variable moves with prime and often carries a cheaper penalty. We model both against your risk tolerance.
Renewal & switch
Over 92% of Canadians sign the first renewal offer they receive. Shopping 90 days out could save thousands over the term.
Refinance & equity
Consolidate high-interest debt, fund a renovation, or buy the next property using up to 80% of your home's value.
Self-employed
Business-for-self programs that read your real income - notice of assessments, T1 Generals, stated income and alt-A lenders.
Investment property
Rental income and add-back qualification, 20% down structures, and portfolio planning for your second through fifth investment.
Pre-approval calculator
How much can you borrow?
Enter your income, debts and down payment. The calculator applies the same GDS/TDS ratios and stress test your lender will.
Estimated purchasing power
$486,978
Qualified at the 6.59% stress-test rate
- Maximum mortgage
- $426,978
- Estimated payment
- $2,385 / mo
- Down payment
- $60,000 (12.3%)
Estimate only, using 39% GDS / 44% TDS and $550/mo for taxes and heat. Default insurance premiums and lender guidelines may change your result. A full review with Vince confirms your real number.
Let's work together
From first call to keys in hand - a relationship built on your numbers.
The application process
Five steps, from start to approved
- 1
Connect with me
Start with the quick online application, then we’ll have a quick phone call to go over your goals, timeline and next steps.
- 2
Documents
Review your income, debts and down payment - stored securely in one batch.
- 3
Submit application
A rate hold up to 120 days and a firm budget you can shop with confidently.
- 4
Conditions of approval
Commitment signed, appraisal and conditions cleared weeks before closing.
- 5
Funding day
Lawyer signs, keys land in your hand, and we stay connected for renewal and annual reviews.
Mortgage refinance calculator
What will your payment be?
Enter your mortgage amount, interest rate and amortization period. The calculator uses standard Canadian semi-annual compounding - the same convention FSRA-regulated lenders apply - and updates instantly as you change any input.
Estimated monthly payment
$2,234 / mo
Calculated at 4.590% with semi-annual compounding (Canadian convention)
- Mortgage amount
- $400,000
Estimate only, based on monthly payments and the Canadian semi-annual compounding standard used by FSRA-regulated lenders. Your actual payment may differ with lender fees, insurance premiums, or a different payment frequency. A full review with Vince confirms your real number.
Free live webinars
Learn the rules before you play the game
I run free live sessions where I share my screen, walk through real numbers and answer every question in the chat. No pitch, no pressure - bring a notepad.
Save my seatFirst-Time Buyer Bootcamp
Down payment sources, the stress test, closing costs and what lenders actually check. 45 minutes plus live Q&A.
Renewal & Refinance Clinic
Rate outlook, penalty math on breaking early, and how to consolidate debt without wrecking your amortization.
Mortgage Protection Plan
A session to discuss mortgage protection products - life, disability, and critical illness coverage that keeps your home and family secure if the unexpected happens.
Full mortgage application
Apply in about five minutes
Income, debt and down payment are the three numbers every lender starts with. Give me those and I'll come back with real options within one business day.
About Vince
Straight answers, efficient files
More lenders. More options. More ways to get approved. With Level 2 licensing and access to banks, credit unions and alternative lenders, I can help find the right mortgage - even with bruised credit or self-employed income. Backed by Mortgage Architects, you get big-bank resources with personal, 1 on 1 service.
