Yes, we have specific expertise helping newcomers navigate the Canadian mortgage system. As an immigrant herself, Helen understands the challenges you're facing. We offer bilingual services in English, Russian, and Ukrainian, and work with lenders who have programs designed for new Canadians.

Definitely. We specialize in Purchase Plus Improvements mortgages with no $40K cap like most lenders impose. Whether you're buying a fixer-upper or wanting to renovate your current home, we can help you access funding that covers both the purchase price and renovation costs in one mortgage.

For an initial consultation, we'll need information about your income, assets, debts, and credit history. For a formal pre-approval, you'll need to provide documentation including identification, proof of income (T4s, NOAs, pay stubs), proof of down payment, and details about the property or construction project. We'll guide you through exactly what's needed.

Construction loans typically involve 4 draws (though this can vary based on your project and lender). Each draw represents a stage of home completion—such as foundation, lock-up, drywall completion, and final completion. Funds are released after each stage is inspected and approved. We'll help you understand the draw schedule and plan your cash flow accordingly.