When you know more, you can make confident decisions.

No — and this is one of the most common misconceptions Lauren hears. While a stronger credit score opens more lender options and better rates, there are solutions available across a wide range of credit profiles. Even clients with past credit challenges, bankruptcies, or limited credit history can often find a path to financing.

In Canada, the minimum down payment is 5% on homes up to $500,000, scaling from there. On homes between $500,000–$999,999 you need 5% on the first $500K and 10% on the remainder. On $1M+, the minimum is 20%. Putting down less than 20% means you'll pay CMHC mortgage insurance.

A bank can only offer their own products. Lauren, as an independent mortgage broker, has access to dozens of lenders — banks, credit unions, and alternative and private lenders. Her compensation comes from the lender she places you with, so her advice costs you nothing directly.

Very likely, yes. A declined application from one lender is not a final answer. Lauren specialises in complex files and has access to B lenders and private lenders who look at applications differently than the major banks. Bring your file — she's seen harder.

A pre-approval can often be completed within 24–48 hours once Lauren has your documents. Full approval and funding typically takes 5–10 business days from accepted offer. Lauren manages the timeline proactively and will always keep you informed of where things stand.