For financial planners
I plan the mortgage the way you plan the portfolio.
You handle the wealth. I handle the mortgage. I work alongside you so our mutual client ends up in the best position overall.
Adam Mansbridge
Partner, Mortgage Professional at Mortgage Connection
Licensed in Alberta and Ontario
The part worth knowing
I watch rates for your clients all term, not just at renewal.
When rates fall, I check every client's file. What it would cost to break the term, what it would save in interest, and whether the difference is worth acting on. When it is, you hear from me first, and you get to make the call that saves them thousands.
When rates rise, I look at renewals long before the usual 120 day window, so there is time to protect a lower rate rather than accept what is offered at maturity.
Numbers you can plan against
Before you model a purchase, a refinance or a downsize, I can tell you what your client would actually qualify for today. The plan then rests on a real number instead of an assumption about what a lender might do.
Leverage, set up properly
A home equity line of credit arranged while your client comfortably qualifies, so the capital is there when they want to use it. Refinancing to free up money, or restructuring debt where it makes the plan work harder. If borrowing is part of the strategy, I build it that way from the start.
The files that need a specialist
Business for self income, a separation or spousal buyout, unique properties, or a client holding several rentals. None of these fit the standard box at a bank, and knowing which lender handles which is most of the job.
Your client stays your client
I am not looking to take over the relationship. I check with you before anything that changes cash flow or debt service. And if they hold insurance through you, you hear from me before any coverage conversation happens, not after.
If you have a client with a renewal coming, or you are weighing whether a refinance helps or hurts the plan, send it over. I am glad to work through a file with you before anyone commits to anything.
Bring me a file and let's look at it together.
A renewal coming up, or a refinance you are not sure helps the plan. I am happy to work through it with you before anyone commits to anything.