Gerry Smith AACI, P.App

Senior Manager, Residential Mortgages

Tel. (250) 361-7068

Email: gerry.smith@td.com

“Yes You Can”

All it takes is a telephone call!

Yes, your client’s can still purchase a property with 5% down payment.

Yes, some of your clients can still qualify for a free down payment program still offered by one lender.

Yes, your client’s can still qualify for a mortgage using fully discounted 5 year fixed rate product.

Yes, your clients can add upgrades to their purchases to be included in the mortgage and not need to take out a high rate personal loan.

Yes, we can use 100% of rental income to help qualify your client when they purchase a property with a rental suite and they will be living in the property as well.

Yes, we are now doing mobile homes on leasehold rental parks including First Nation’s land (lease must be approved).  Rates are ‘posted’ interest rate, no discount

Yes, your client can purchase a ‘leaky’ condo under approved remediation or if remediation is under way, call for details.

First Time Home Buyers

Yes, they can still qualify to purchase an apartment condo for $300,000.00 with an annual income of just $50,000.00 and 5%

($15000.00) down payment, based on a 5 year fixed mortgage at 3.59% amortized over 35 years.

Yes, we can shop the market for competitive products and rates through our brokerage affiliate.

Yes, your client can deal with a real live person and a brick and mortar bank instead of a Virtual Bank. Remember “Rate is not always everything”. Have you ever tried dealing with a 1-800 call centre?

Yes, they need to speak to Mortgage Expert like me with over 30 years experience, to get properly pre-qualified and not just a rate hold.