You want to buy your first home, but it feels like such a big step! We believe that every new home buyer should discuss their situation with a mortgage consultant. After all, advice from a mortgage consultant can have a huge financial impact over the long term. Before you meet, write down all your questions, like:

• How much will I need for a downpayment?
• What should I get - a fixed or variable rate?
• How much will my monthly payments be?
• How quickly will I be able to pay off my mortgage?

Bryan will take the time to answer your questions, explain the process step-by-step, and - when you're ready - find a mortgage that will make your first home a reality.

It's a fact. Although a mortgage is one of their most important financial decisions, many Canadians don't put as much thought into renewing their mortgage as they should. We, however, see your mortgage renewal as a unique opportunity to make sure it reflects your current needs.

• Are you considering paying off your high-interest credit card debt or loans?
• Or Are you interested in financing a home renovation, dream vacation, recreational or investment property?

At renewal, Bryan can give you rate protection for up to four months and help you secure the best mortgage for your current.

Take Control of Your Home Equity.

Your home equity can be a valuable financial resource, enabling you to access credit at rates that are generally lower than other forms of borrowing. Some popular reasons to refinance include:

• Home renovations
• Investments
• Second properties
• Debt consolidation
• Retirement planning
• Education

If you are interested in assessing your options, contact Bryan to find out how much equity you can leverage, and what your monthly payments would be. You may be surprised at the power of your home equity.