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Chad DenieMortgage Agent Level 2

Services

Mortgage solutions for every stage of home ownership

Every file starts with the same question: what are you trying to accomplish? From there, the strategy and the lender follow. Here's what I help clients with most often.

01

First-time home buyers

From pre-approval to keys in hand, with every step explained.

Buying your first home is exciting and overwhelming in equal measure. Chad walks you through what you can afford, how much you need for a down payment and closing costs, which incentives you qualify for, and how to make a confident offer.

What's included

  • Pre-approval so you can shop with certainty
  • Down payment planning, including FHSA and RRSP Home Buyers' Plan
  • First-time buyer incentives and land transfer tax rebates
  • Plain-language review of every document before you sign
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02

Refinancing

Unlock equity, consolidate debt, or restructure your mortgage.

Refinancing can lower your overall borrowing cost, fund a renovation, or free up cash flow. Chad models the numbers honestly, including any penalty to break your current term, so you know whether it actually makes sense.

What's included

  • Debt consolidation at mortgage rates
  • Access equity for renovations, investments, or education
  • Break-even analysis on penalties versus savings
  • Access to bank, monoline, and credit union lenders
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03

Renewals and switches

Don't just sign the renewal letter. Make your lender compete.

Your renewal is the easiest moment to save money on your mortgage. Chad shops your renewal across dozens of lenders and negotiates a better rate or terms, often with the switch costs covered by the new lender.

What's included

  • Start reviewing options 120 days before maturity
  • Compare your lender's offer against the whole market
  • Straight switches with legal and appraisal fees often covered
  • Adjust amortization or payment frequency to fit your life
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04

Investment properties

Build a rental portfolio with financing structured to scale.

Whether it's your first rental condo or your fifth property, the financing strategy matters as much as the property. Chad builds tailored scenarios that show how each purchase affects your borrowing power for the next one.

What's included

  • Rental income treatment across different lenders
  • Down payment and equity strategies for growth
  • Portfolio planning for multiple properties
  • Honest guidance on cash flow and risk
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05

Self-employed borrowers

Lenders who understand business income, not just T4s.

If you own a business or freelance, traditional bank qualifying can undervalue what you actually earn. Chad works with lenders that look at the full picture, including stated income and alternative documentation programs.

What's included

  • Programs for incorporated and sole-proprietor borrowers
  • Alternative income documentation options
  • Guidance on structuring your finances before you apply
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06

Home equity lines of credit

Flexible, low-cost access to the equity you've built.

A HELOC gives you a revolving line of credit secured by your home, ideal for renovations, investments, or a financial cushion. Chad helps you compare standalone and combined mortgage-plus-HELOC products.

What's included

  • Standalone or readvanceable options
  • Interest-only flexibility on what you use
  • Understand the qualifying rules before you apply
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07

New to Canada

Programs designed for newcomers with limited Canadian credit.

Several lenders offer dedicated programs for permanent residents and work-permit holders who have recently arrived. Chad knows which lenders are the best fit and what documentation makes your file strong.

What's included

  • Programs for permanent residents and work-permit holders
  • Alternative credit history options
  • Guidance on down payment sources and documentation
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08

Pre-approvals and rate holds

Lock a rate for up to 120 days while you shop.

A proper pre-approval is more than a number. It reviews your full file, holds a rate against increases, and gives you a clear budget so you can make offers with confidence.

What's included

  • Rate holds of up to 120 days
  • Full document review up front, not at the last minute
  • A clear purchase budget including closing costs
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Helpful tools

Run the numbers before we talk

All resources
Payment calculatorAffordability calculatorClosing costs calculatorPrepayment calculator

Ready to talk through your options?

A 20-minute call is usually enough to map out what you qualify for, what it will cost, and what to do next. No pressure, no jargon.

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