With over 20 years of experience in the mortgage industry, Jay has been helping individuals and families achieve their dream of homeownership and help plane their financial future by getting the lowest mortgage rates and choose the best mortgage products. Jay’ commitment to providing personalized and professional service sets him apart as a trusted advisor in the real estate financing arena.
Jay believe in making the mortgage process not just a transaction but a transformative experience. His mission is to guide clients through the complexities of mortgage lending, offering tailored solutions that align with their unique financial goals.
As a seasoned mortgage professional, Jay has successfully navigated the ever-evolving real estate market. His expertise spans a wide range of mortgage products, including high ratio insured, conventional, residential and commercial mortgages. Whether it’s a first-time homebuyer or a seasoned investor, Jay is dedicated to finding the right financing solution for each client.
Mortgage Rates
| High Ratio/Insured | Lender | Conventional | Lender | |
|---|---|---|---|---|
| 5 year fixed | 4.74% | Non bank lender | 5.09% to 5.14% | Bank/Non bank |
| 4 year fixed | 5.04% | Bank | 5.39% | Bank |
| 3 year fixed | 4.99% | Bank | 5.19% to 5.39% | Bank |
| 5 year variable | 5.95% to 6.1% | Non bank/Bank | 6.7% to 6.8% | Bank |
| * Rate quoted as of today and subject to change | ||||
Rates can vary depending on number of factors including loan to value, use of property, purchase price, down payment, date of purchase and the lender guidelines. Contact me and I can call you to go over your information and quote the lowest available rate.
Mortgage Calculator
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The Values Jay Live By
Personalised Approach
I understand that every client has unique needs and financial situations. I take the time to listen and tailor mortgage solutions that align with individual goals.
Integrity & Trust
Open and clear communication is the foundation of my client relationships. I guide clients through the mortgage process, explaining each step and addressing any concerns along the way.
Commitment to Excellence
I am dedicated to delivering exceptional service, going above and beyond to exceed client expectations. My goal is not just to close loans but to build long-lasting relationships based on trust and satisfaction.
Data-Driven
Staying informed about market trends and changes allows me to provide accurate and up-to-date advice, ensuring clients make well-informed decisions.
Going the Extra Mile
I always go above and beyond for my clients. I am committed to delivering outstanding service and support every single day.
Collaboration
I believe that collaboration is key. I work closely with my clients to develop clear communication and deliver as per their unique needs
Some of the lenders we work with: