IMPORTANT DOCUMENTS

What is a Separation Agreement?
A separation agreement is a written record of how a couple has settled issues arising from the end of their relationship.  Separation agreements are legal contracts recording the terms of your settlement that can be enforced by the court.

 

Why do lenders require a Separation Agreement?
Lenders require a separation agreement to verify that there is a legally binding contract in place.  When couples decide to divorce, financial assets accumulated while together must be equitably divided and in many cases, the most substantial shared asset is the matrimonial home.  While each spouse is usually entitled to 50% of the accumulated home equity, if the property isn’t sold, one side will almost always buy out the other.   Since no lender will provide you with a mortgage until all of your future financial obligations can be clearly understood, complete your separation/divorce agreement as a matter of urgency.

 

How can I obtain my Separation Agreement?
A separation agreement can be obtained through your lawyer if you do not already have a copy

What is a T1 General?
A T1 general is the document that’s completed by whoever (an accountant, yourself, H&R Block) completes your tax return for submission to the Canada Revenue Agency.  This document is usually requested for self-employed clients and clients that receive bonuses as part of their pay.  Individuals with tax payable during a calendar year must use the T1 to file their total income from all sources, including employment and self-employment income, interest, dividends and capital gains, rental income and so forth.

The T1 and any balance owing for each year are generally due by the end of April of the following year.

 

Why do Lenders require T1 Generals?
Traditional lenders usually require 2 years T1 General Tax Returns if you are self-employed.  This will confirm that you are filing taxes as a self-employed individual.

 

Where can I find my T1 General?
The T1 General should be in your tax file, but can also be received or completed through an accountant, tax company(H&R Block) or by the individual for submission of their personal taxes to Canada Revenue.

 

Example of T1 General

What is a Statement of Business Activities?
The statement of Business Activities (T2125 tax form) is used to calculate business income or income from self-employment.  You use it if you’re a sole proprietor or are in business partnership and can calculate your gross and net income after deducting business expenses.  If you’re self-employed and control the time, place and hours you work, supply your own equipment and tools, make a profit or incur a loss and cover all the business costs, the T2125 will be used to report income and expenses.

 

Why do lenders require a Statement of Business Activities?
A Statement of Business Activities identifies which write-offs could potentially be added back to an applicant’s income.  You calculate your gross income and your net income after deducting all your business expenses like advertising, rent, home office and motor vehicle expenses.

 

Where can I find my Statement of Business Activities?
T1 General should be in your tax file but can also be received or completed through an accountant, tax company or by the individual for submission for their personal taxes to Canada Revenue.

 

PAY STUB – It has to reflect your first name, last name, date of pay, and employer’s name.

What is a Pay Stub?
A payslip, pay stub, pay advice or sometimes called a paycheck, is a document an employee receives either as a notice that the direct deposit transaction has gone through, or is attached to the paycheck.  It will reflect your earnings for the specified pay period as well as any deductions taken off.

 

Why do Lenders require a Pay Stub?
When applying for a loan, your lender will need proof of income.   Lenders want to ensure that you have the financial means to pay off your new mortgage.  As a result, borrowers are generally required to submit current pay stubs from the past 2 – 3 months.

 

Where can I get my Pay Stub?
Your pay stub can be obtained from your employer and must be recent (within the last 30 days).  If you need a copy, contact your employer’s human resource or payroll department and ask about the steps required, to obtain copies of your pay stub. Some employers might charge a fee for copies, while others provide this service for free depending on the number of stubs requested.

 

What is an Agreement of Purchase and Sale?
An Agreement of Purchase and Sale is a written contract between a seller and a buyer for the purchase and sale of a particular property.  In the Agreement, the buyer agrees to purchase the property for a certain price, provided that a number of terms and conditions are satisfied.  The process begins when the purchaser makes and offer, which is irrevocable for a certain time-period.  If there are no counter-offers, the Agreement becomes a legally binding agreement if the offer is accepted by the seller, within the time-period set by the buyer. Although these forms contain standard terms and conditions, the Agreement can be changed if both the buyer and the seller agree and initial any additions or deletions.

 

What should be included in an Agreement of Purchase and Sale?
Some of the most important terms deal with the property purchase price, terms of payment, how the buyer will receive the property, what property features are included in the price and title clearance.  Since signing the agreement is a crucial step in purchasing / selling a property, a lawyer can be of great help in ensuring the agreement is properly drafted.

What are Articles of Incorporation?
Companies are incorporated in BC according to the provisions of the Business Corporations Act.  In other words the act of incorporation gives life to a legal entity known as the corporation, commonly referred to as a ‘company’.  A company can acquire assets, go into debt, enter into contract etc.

Articles of Incorporation is therefore a legal document filed a provincial or territorial government, which sets out a corporation’s purpose and regulations.  This is one of the documents necessary to the incorporation process.

 

What information is Included in Articles of Incorporation?

  1. The full legal name of the corporation.
  2. The full address of the registered office of the corporation (cannot be a PO Box)
  3. The number of directors
  4. The full names and addresses of each of the founding directors.
  5. Restrictions on the business activities of the corporation or powers that the corporation may exercise. Example:  “The business of the corporation shall be limited to the sales and service of motor vehicles”
  6. The classes of shares and the maximum number of each class of share that can be issued. Shares are typically given descriptions such as Common, Class A, Class B, Preferred, or other such designations.
  7. The rights, privileges, and restrictions of each class of shares. For example, a class of shares may be described as ‘Non-Voting”, meaning that owners of the shares cannot participate in activities such as the election of directors.  Shares may also have a designated fraction of voting rights.  Preferred shareholders normally enjoy a preferential right to dividends and return on capital in the case of dissolution of the corporation (greater than holders of common shares but less than bondholders)
  8. Restrictions (if any) on the issue, transfer, or ownership of shares.
  9. Provisions or restrictions on the borrowing powers of the directors. For example:  “The Board of Directors is authorized to borrow money or mortgage property as security for any debt or liability of the Company”.
  10. Additional articles as required, such as proxy voting requirements, majority voting rules, etc.
  11. Full names and signatures of the incorporators.

 

What is a letter of Employment / Job Letter?
A letter of employment is signed by an authorized representative of your employer stating that you are currently employed there and providing basic information about, what work you do, how long you have been working for them, how much you make and other information typically requested by a potential creditor.

 

Why do Lenders require a Letter of Employment?
Lenders verify employment as part of the loan underwriting process, usually well before the projected closing date. The lender might confirm this information with your employer via fax, mail or telephone call. Your letter should therefore include a contact name and phone number.

 

Where can I get a Letter of Employment?
A letter of employment can be obtained by making a simple request to your employer.  They usually have a template on hand, so it should be a quick process.

 

What is a Canada Revenue Agency (CRA) – Proof of Payment?

If you owe monies to Canada Revenue Agency your lender will require proof that you’ve paid the money to CRA.  Having money owing to the Canada Revenue Agency is a sure way to have your mortgage application with a lender turned away.  Why is that?  The CRA is quick to act and if your debt to them is significant or severely overdue they will attach a lien to your home.  Needless to say, a major financial institution do not want to see that you owe the government money, let alone have a lien against your property.

 

CRA Payment Example

What is a Notice of Assessment (NOA)?
A Notice of Assessment or NOA, is like a receipt for filing your tax return. It is a statement from the Canada Revenue Agency notifying you of the amount of tax you owe, if any, the amount of tax already paid, if any, tax credits received and contributions to a Registered Retirement Savings Plan. The lender will require all the pages of your NOA.  It will include your full name and last name, SIN number, tax year, and tax centre clearly indicated.

 

Why do Lenders require NOA’s?
They require the NOA to confirm your income (shown on line 150 of your return) or to confirm you have no outstanding taxes.

(Tax arrears could be placed on the title of your home and take priority over any mortgage financing in a sale of the property.  The lender will require the tax arrears to be paid before advancing mortgage funds.)

 

Where can I find my NOA?
You can obtain a copy by contacting the Canada Revenue Agency.  You can contact them at 1-800-959-8281 (As this is a government line, please note that it could be busy, so keep on trying)

OR you can log into your account with CRA:  https://www.canada.ca/en/revenue-agency/services/e-services/e-services-individuals/account-individuals.html

 

  • Click on the “Continue to Sign-In Partner” button

 

 

 

Scotiabank  – NOA Requirements:

 

If you are providing us with the 2015 NOA as a print out from the customer’s My CRA Account website (rather than the mailed copy), then it has to look like the one below in order for us to accept it.  The document heading must read as follows:

 

2015 Assessment

Date printed

Customer’s Name

Customer’s Address

City, Prov, Postal Code

Tax year:

Taxing province:

Filing date:

Date of Assessment:

Social insurance number:

Province of residence:

Date of birth:

Marital status:

 

Customers can obtain the updated version from their ‘CRA My Account’ by selecting ‘Proof of Income Statement’. They can print by selecting the 3rd option from the bottom (Proof of income statement (Option ‘C’ print) on the left of the page to print their tax  assessment/reassessment with all the required personal information.

 

See below – copy of Acceptable NOA

What is Confirmation of Rental Income?
Confirmation of rental income can be proven in three different ways:

  • T1 General – amount claimed on taxes
  • Signed current Tenancy agreement
  • Economic rent letter

 

Why do Lenders require a Confirmation of Rental Income?
Lenders require confirmation that the rental income declared on the application is accurate.

Where can I find my Confirmation of Rental Income?
Your confirmation can be obtained from your tax documents for your T1 General by scanning your current Tenancy agreement.

Where can I find a blank Tenancy agreement:    http://www2.gov.bc.ca/assets/gov/housing-and-tenancy/residential-tenancies/forms/rtb1.pdf

 

Example of Tenancy Agreement

What is a Form B?

A Form B is the strata corporation’s information certificate.  The required contents of this form are set out in the Regulations of the Strata Property Act.  Required information includes:

  • The monthly strata fees
  • Any arrears of strata fees
  • Any alteration agreements affecting the strata lot
  • Any upcoming special levies
  • Bylaw amendments that have not yet have been registered
  • ¾ vote resolutions for which notice has been given but not yet voted upon
  • A copy of the Strata corporation’s depreciation report, if any
  • The number of strata lots that are rented
  • A number of other items

If you are a council member, you should never sign a Form B.  This should always be done by the property manager.

What is a T4/T4A?
If you are a salaried employee, the T4 tax slip is used by your employer to indicate what you have been paid before deductions, as well as your CPP, QPP, EI contributions as well as other amounts deducted from your pay cheque during the tax year.

Why do Lenders require T4’s / T4A’s?
Most lenders require your T4 to verify your past employment and earnings.

How can I get my T4/T4A?
Your T4 would be included in your Tax File. If you need a T4 slip for the current tax year, only your employer can provide it to you.  For previous tax years, however, you can request a copy from the Canada Revenue Agency by calling 1-800-959-8281.

 

What is Business financials?

Financial statements include the balance sheet, income statement, statement of changes in net worth and statement of cash flow.  Simply put, the income statement measures all your revenue sources vs. business expenses for a given time.

The three basic financial statements are the

  1. Balance sheet, which shows firm’s assets, liabilities, and net worth on a stated date.
  2. Income statement (also called profit & loss account), which shows how the net income of the firm is arrived at over a stated period
  3. Cash flow statement, which shows the inflows and outflows of cash caused by the firm’s activities during a stated period.

 

Why do Lenders require by Business Financials?
Because of the stricter rules implemented by the regulator of the country’s chartered banks borrowing money to buy a home has become harder for the self-employed workers.  A high credit score is no longer sufficient when applying for a mortgage. In the summer of 2012, the Office of the Superintendent of financial Institutions introduced Guideline B-20, which required federally regulated banks to tighten their processes for approving mortgages and home equity lines of credit.  As art of B-20, banks must now look more closely at income before approving a mortgage application.

 

Where do I get my Business Financials?
The accountant or bookkeeper of your company should be able to give you copies of these.

 

What is an Accountant Letter?
Your income must be verified by financial statements that were prepared by a professional, accredited account.  T1Generals and NOA’s should be used to verify the income on the financial statements.

 

Where can I find my Accountant Letter?
Your accountant will be able to give you the letter

 

 

Read Our Reviews

Client First Mortgages is rated 4.91 out of 5.0 stars based on 117 review(s).

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Steve has been so helpful to us as first time home buyers. He was always quick to answer any questions and help guide us through the process of getting a mortgage

- Michelle Pawlowski

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Steve was very helpful from start to finish on our refinance process! We highly recommend him for all your mortgage needs. Thanks!! Justin & Rafaela

- Justin McIntyre

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Fantastic experience with Nathan! Very helpful and fast communication. We will definitely work with Nathan again in the future!

- Michael Billinger

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Great at what he does, always puts the clients first !

- Bradley O’Rourke

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Steve was always available to explain clearly and guide my progress throughout the entire process. Full points Steve!

- Philip Gaulin

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Steve D’Souza has been very helpful every step of the way and has always been available to respond to any queries along the entire process. Full points.

- Philippe Gaulin

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Very knowledgeable, great help..

- Michael Quesnel

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Steve was really helpful in helping us prepare for our mortgage, I trusted his advice and appreciated his candour and responsiveness!

- Morgan Gibson

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Great Job

- Travis Charron

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Steve was incredibly helpful, clear in his explanations, and even referred us to a great lawyer/notary as well as a home insurance provider. Couldn't have asked for anything better. Thanks Steve!

- Christian Trineer

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Has been a great and easy experience working with steve!

- Kristin Houle

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This was my second time working with Steve when buying/selling my home. Steve got us the best financing for the sale of our old home and the purchase of our new home, and spent many hours explaining everything in detail over the phone. I have been very impressed with the level of care and professionalism from him.

- Lidya Ercag

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very professional easy to talk with. and understanding... thank you NATHAN..

- r todd

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Replied quickly to all requests and found me a great rate. Thanks

- Gary Johannson

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Nathan was amazing

- William Zimmerman

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great, courteous treatment

- Andrew Todd

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We can't thank Steve enough for his help in obtaining the best mortgage we could get for the house we've purchased. The circumstances were dire, but Steve managed to steer us through the process and negotiated successfully with the banks on our behalf. We recommend Steve to anyone looking to get the best mortgage on the market.

- Valeriu Juverdeanu

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Communicated clearly, let us know exactly what info would be needed and set realistic and accurate expectations. Reliably followed up on all requests and delivered with great results.

- Philip Weier

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My family works with Steve, he's great

- Sergio Romero-Glen

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Steve has helped us (and my children) secure mortgages. We love the confidence and sincerity with his approach and he surely has helped calm my nerves with each of our purchases!! I always highly recommend Steve to anyone, like I mentioned he secured both of my children’s purchases too! Thanks Steve!

- Brenda Erlandson

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Steve was referred to us by a friend of ours who used his services. He did not disappoint. He always responded to communications promptly and tried to keep us updated with the status of our application and helped us through out the process. We appreciate his help a lot and will certainly refer him to other friends who are seeking mortgage services.

- Armin Nasser Ranjbar

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Steve was immensely helpful in getting us the best rate and helping us through our first-time home buying process! He has a wealth of knowledge to share and recommendations for everything we needed. 10/10 would recommend! :)

- Kerri-Anne Pattison

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Steve was nothing short of wonderful. Pleasant and quick to respond to all of my silly questions. I wouldn’t hesitate to recommend Steve to anyone looking for an East, smooth and pleasant mortgage experience. Will definitely use Steve in the future.

- Nikki Cooper

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Very good

- Lihn Thi Thuy Pham

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Steve is fantastic to work with!!

- Michelle Vally

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Nathan was the most helpful person ever and always had time to answer all of my questions. This was my first purchase and I'll admit I didn't have a clue what I was doing. All I knew was that I wanted a place of my own. Nathan helped pull me through the fog and now I'm sitting in the living room of my very own condo! I would recommend anyone to him to do the same. Thank you so much!

- Sean Beauchesne

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Steve was great! He gets the job done and does it well.

- Ian Hilts

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Steve is great. He explains the financial aspect of your purchase or sale in layman terms. Very easy to understand and worknwith

- Michael McAuley

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Excellent experience! Attentive and knowledgeable. Steve made the mortgage experience easy. Exactly what you'd hope for when looking for a new mortgage.

- Daniel Lewin

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It was a long process of mortgage approval, specifically with a special need person . That was a great lesson and experience for Naima and I. Learned a lot. Your experience, knowledge and clarity on the process of the Case are fantastic.

- Sharifa Noori

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Excellent.

- Stephen Kobe

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Excellent service, thanks Steve!

- Jan Schulze

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Your broker came through for me when my own bank of 50 years couldn’t so thank you!

- Christine Martyn

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Very responsive and helpful with my mortgage initially and upon renewal a couple times now.

- Jeremy Bruce

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Life saver was a short deadline and Steve was right on it from day one. Thanks

- Sarita Dunne

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Steve D'Souza was my Mortgage Broker referred by my Realtor. I was really happy that I got a mortage through him. Whenever I contacted him, he responded very quickly. Because this was my first home buyer, I didn't have any knowledge of purchasing a property and didn't even know what kind of questions that I have to ask. He was very patient with me explaining how it works. Once I provided the documents that he needed, it took only 6 days to get my mortage approved. Isn't that fantastic? If anyone who needs help with mortage, I highly recommend him. You won't be dispointed for sure.

- Imsook Cha

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Was extremely professional! Helped me with everything from beginning to end. Couldn’t be more happy with the service he provided! Thanks Steve!

- Brad Vey

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Steve D'Souza was super helpful in arranging the finance for our new home. He is knowledgeable and enthusiastic and kept us informed all through the process. Would highly recommend working with him!

- Elizabeth Swanson

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From the very beginning of the process, Steve listened to our situation and sprouted us all along the way. This is our second mortgage through him and I would highly recommend.

- Kristal Bereza

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Fast and efficient

- Jacob Kamlade

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Steve is amazing ! He goes up and beyond to help. Is friendly as knowledgeable! Thx you Steve for all your hard work and help.

- Stephanie Berezowski

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He is so good person if you work with him you will be so happy thank you so mush Steve

- Vikin awakian

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Highly recommend

- Vikin Awakian

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Great experience working with this company and with Steve! Super helpful & organized, and love how they take you step by step through all the requirements/processes. Great communication, always available to answer questions, and gave clear instructions. I thought getting a mortgage was going to be a difficult, confusing process, but they made it so straightforward and easy! Ended up with a great interest rate as well! Highly recommend this company - will definitely work with Steve again in the future.

- Sarah Tylor

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Thank you for keeping me informed and always being clear and ahead of the game!!

- David Dicaire

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Steve and Client First Mortgages always does a great job for us and I highly recommend their services for anyone looking for a mortgage broker.

- Ryan Nichols

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Very helpful. Nathan was available at all times and made the whole process as easy as it could be. I would recommend him to my friends and family

- Joel McEvoy

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Steve was great! Very thorough and efficient. After waiting around for weeks for our big bank to help us renew our mortgage, Steve quickly helped us and provided a better rate than our long time big bank did. Communication was consistent and we knew exactly what was going on at all times. Thanks Steve!

- Heather Brown

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Excellent Job. Very Professional!!

- John Smillie

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Top notch customer service ... Steve made everything super simple and kept us updated through out the entire process

- Michael Cook

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Steve and his team are always on top of everything - they do a great job. He's done several deals for my wife and I (both purchases and refinances) and we've always been very impressed with his level of service and professionalism and advice.

- Greg Dent

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My wife and I have been helped by Steve at Client First for two home purchases now. Throughout both experiences the communication thru the process has been fantastic, the work on his end was above and beyond. He was able to find us a better rate than expected and was always very thorough with responses to any questions we had and made us feel very comfortable by sharing his knowledge of the business. Would highly recommend.

- Daniel Cawker

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Extremely helpful and excellent at what he does. My 3rd time being his client.

- Mark Aylott

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As a first time homebuyer this was an experience that intimidated me and my wife very much, our broker Steve helped alleviate the anxiety every step of the way, thank you for more than just help Steve, we both appreciate it!

- Patrick McConville

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This brokerage team is Awesome. Steve D’souza went up to bat for us and secured our first mortgage. He did an amazing job! We will most definitely refer anyone who needs this service to team D’souza! Cheers

- Mark Johnson

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An absolute pleasure dealing with Steve. Super fast efficient service finding us the best solution for financing. Highly recommended!!

- Craig van Heerden

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Steve has been awesome to me and my family, patiently taking us through each step of the mortgage process. Thank you, Steve!

- Elrino Aradea

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Steve was always extremely attentive and managed to get the job done, even when I had a few hurdles come my way, found a quick solution and made the process easy.

- Rheanna Betker

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Steve is an experienced professional, and it is a pleasure working with him each time. Steve got the job done with minimal effort from our part, even though our process created a lot more work for Steve.

- Mike Shobiri-Nabavi

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Professional, honest and knowledgeable. Steve has been great to work with. I look forward to working with him again.

- Jaydon Hamilton

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Steve’s awesome. Made. Very stressful time easier with clear guidance.

- Tom Canning

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Steve went over and above in assisting us with our mortgage. He explained every step of the process patiently to us and went with the flow when the process changed mid-stream. Steve was very efficient and professional.

- Leslie Gilbert

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Efficient, reliable, professional service. Wouldn’t hesitate to recommend Steve.

- Amanda Marie

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Steve was amazing from the moment we met. He is really on top of things and very accessible. He walked us through everything and explained things very thoroughly (first time buyers). I would definitely recommend him.

- Dulta Bennett

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great guy to deal with.

- Rob

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Great guy, easy to deal with and very knowledgeable.

- Robert Stelmack

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Working with Steve was a pleasure, with more than a few complications on my end he was able to quickly find multiple solutions to work for me.

- Cassandra Sarling

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Great service and great advice. Saved me a lot of time and money! Thanks.

- Robert Neubauer

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Awesome team and great service. Made the purchase of our new home a stress free and smooth transition.

- Chad Walton

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Reliable, efficient, and organized.

- Thi Sayer

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Steve is awesome. I had a ton of questions, because this was my first home and Steve answered all my questions and helped me with my mortgage with the best rate possible.

- Nick Klein

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Great experience and would absolutely recommend him to my friends and family. Thanks for everything Steve!

- Chad Wallace

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Made simple quick easy efficient Great job Steve

- Claudette Roy

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Steve has been great. Very professional and most helpful. I wouldn’t hesitate to refer him to friends and family.

- Cynthia Schurink

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We changed our financing a few times during the course of our purchase and sale. Steve jumped through hoops every time and made it work for us even when we didn’t think it would.

- Veronica Martin

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Steve made it very easy and simple got a great rate for us highly recommend

- Derek Doucette

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Steve offers outstanding service! Covers all bases for very smooth transitions through the entire process. Thank you.

- Jamie Parkin

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Great guy great service

- William Carrie

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Excellent, professional, efficient. Impressive. Very thankful to have Steve organize the deal.

- Cheryl Harrington

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I was very impressed with the service I received with ClientFirst. I highly recommend them. Very professional and knowledgable.

- Susan arnold

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Very good

- Todd Wiebe

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Steve was extremely helpful, knowledgeable and prompt. He made the process and my options easy to understand and I would highly recommend him to anyone.

- Glen Fishbook

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Steve is fantastic, gets the job done with little fuss and he is clear in explaining the process and mortgage products

- Timothy McCutcheon

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Great service! Thanks Steve!

- Clive Ivins

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Thanks for the work and time you did Thanks again

- Ricky Vella

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Steve was very organized, informative, punctual, and reassuring especially with everything going on with the pandemic and not being able to meet people in person.

- Brodie Procyk

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Very professional, and well informed. I appreciated the advice and service. Steve kept me informed of the latest information and market advice, and quickly helped with my mortgage needs and future planning. I would definately recommend, and will use again Client First Mortgages.

- Susan Arnold

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Steve is very professional and made the mortgage process quick and easy!

- Kent Senko

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This was our first home purchase, Steve was very patient with us, not only explaining all the steps of the mortgage application process but also walking us through various scenerios and concerns.

- Robert Gora

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I would highly recommend Steve DSouza as an amazing mortgage broker. This was my first experience with using a mortgage broker and I must say that he was so on top of every part of the process, extremely professional, and got us an amazing result in a very timely manner, especially through this COVID-19 time in our lives. I highly recommend using Steve DSauza for your mortgaging needs.

- Lynn Anderson

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Steve made the mortgage process smooth and simple. As questions arose, communication was clear and helpful. As a first time a first time home buyer, the learning curve of finding an ideal mortgage resembled less of a mountain and more of a hill. Would recommend.

- Joel MacLean

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Hey there Steve. You made the process smooth and informative; you brought clarity when answering questions and it couldn't have been a better process. The place is great, and our transition into it has been easy! We will definitely recommend your services to friends and family.

- Joel M and Aaron M

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First Class

- Richard Brown

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Steve was very helpful from the beginning. He was knowledgeable and professional. Highly recommended!

- Alan Braun

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This was my first time using a Mortgage Advisor and I wasn't disappointed. Nathan was professional, helpful, knowledgeable, and so informative. I got a great rate on my mortgage. I would definitely recommend Nathan to my friends and family.

- Jennifer Baillie

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Very professional and got me a great rate!

- Pamela House

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great job

- Nelson Talbot

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Great to work with; knows his stuff.

- Scott Walters

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Had the privilege of working with Steve D'souza as my mortgage advisor. He went over and above for me and gave me all the information when it comes to the fine details of the mortgage and the best deal. Will definitely be recommending Steve to all my friends and family.

- William Lawless

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We’ve worked with Nathan Isherwood twice now and the process is easy for clients who might not be doing mortgage applications often and his explanations are clear and easily understood.

- Greg Basham

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We've worked with Nathan Isherwood twice now and the process is easy for clients who might not be doing mortgage applications often and his explanations are clear and easily understood.

- Greg Basham

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Steve was easy to work with! He made the process smooth and reduced the stress of financing. His communications were clear and timely. We would definitely use his services again.

- Lisa-Dawn Markle

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I highly recommend Steve & Nathan at Client First Mortgages! I will continue to use personally and recommend to my friends and family for all their new mortgage and re-financing needs!!

- Chase Shymkiw

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I highly recommend Steve & Nathan at Client First Mortgages! I will continue to use personally and recommend to my friends and family for all their new mortgage and re-financing needs!!

- Chase Shymkiw

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I highly recommend Steve & Nathan at Client First Mortgages! I will continue to use personally and recommend to my friends and family for all their new mortgage and re-financing needs!!

- Chase Shymkiw

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Steve! Thank you so much for everything, the mortgage process was seamless and pleasant. Usually a stressful process but you made it so much better, Star and Nabi

- Setareh Doustdar-Haghighi

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Steve always makes himself available, even for the most simple of questions.

- David McKillop

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We recently purchased an investment property and had Steve help us out. He was able to get us qualified at a lower rate and for more money than the bank. He was a pleasure to work with.

- Brad Davis

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We had a really short contract period but Nathan was able to get us approved at a great rate and without any hassles. The whole process was smooth and stress free. Thanks.

- Bradley Davis

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Steve was so helpful, calm, and encouraging every step of the way - he made what could be a very stressful process as smooth and painless as could be. Thanks Steve!

- Natalie Jones

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We are very happy with our dealings with Nathan. He was able to set up things for us quickly and answered any questions or concerns we had.

- Constance Robson

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This is our second time using Steve as our mortgage broker. He goes above and beyond every time. Always answers questions we have no matter how big or small, and lets us know what is going on every step of the way! He’s amazing at his job and very knowledgeable!

- Jennifer Boyes

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No one better than Nathan

- Michelle Lycan

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Steve's caring and knowledge was essential.He is an asset to your company!

- Hooshang Jafarzadeh

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Excellent experience. We will highly recommend Steve.

- Christopher Rankin