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Consultation
Book a 30-minute Calendly slot, text WhatsApp, or call. First conversation is a map, not a credit pull. Bring the question: buy, renew, pull equity, or the bank said no.
Home / How it works
Four steps. You can stop after step one if the math is ugly. That is a useful meeting.
Book a 30-minute Calendly slot, text WhatsApp, or call. First conversation is a map, not a credit pull. Bring the question: buy, renew, pull equity, or the bank said no.
We line up income, debts, the property, and the job the mortgage has to do. Pre-approval when you are shopping. A renewal letter when you already have a lender. No SIN or ID photos through the website form.
Near closing we re-verify documents and lock the rate that fits. Clover’s list: banks, credit unions, monoline lenders, B-lenders, MICs, private. I will say when a bank is enough and when it is not.
Application, conditions, lawyer, funding. Average files take a couple of weeks. When title is clean, equity is there, and documents are complete, some files can fund in a day or two. That is the right circumstance, not a guarantee I print on a banner.