Hi, I’m Chris.

A mortgage can become especially hard to sort through when income comes from self-employment, a renewal is approaching, debts need to be consolidated, or a separation means one person hopes to keep the home. I use more than 35 years in financial services to explain the lending rules, paperwork and trade-offs so you can make a decision with a clear view of what comes next.

What I cover

Mortgage decisions, explained clearly

I cover home purchases, pre-approvals, renewals, equity refinancing, debt consolidation and the Smith Manoeuvre™. I also write about self-employed income and spousal buyouts, including how joint debt, property equity and Canada’s mortgage stress test can affect the financing available during divorce or separation.

Who it’s for

For BC borrowers facing real decisions

This publication is for first-time and move-up buyers, homeowners nearing renewal, real estate investors, self-employed borrowers, and people restructuring a mortgage after separation or divorce. It’s also relevant to family law lawyers, divorce mediators and financial planners helping clients understand whether a spousal buyout or refinance may work in British Columbia.

How I work

Straight answers, fewer surprises

I start with the full picture: income documents, debts, home equity, timing and the change you’re preparing for. From there, I explain the available mortgage routes without burying you in lender language, whether the file involves a purchase, an upcoming renewal, non-traditional self-employment income or removing one spouse from the mortgage and title.