Free 30-minute Discovery Conversation
We want to ensure this is the right process & fit.
If you agree to move forward we will schedule our first full session.
During Covid 19 we will meet via video chat or phone.
Buy Indepence
Know what you can actually afford — before a lender tells you what you're approved for.
Those are two different numbers. The bank calculates the first one. I help you find the second.
Before you start looking at listings, we look at your money: what's coming in, what's already committed, and what a house actually costs to run once it's yours. Then we work out the number that lets you buy a home and still have a life in it.
Why this works
Knowing what you need, want, and can afford is the first step. Most people skip straight to browsing listings and work backwards from a house they've already fallen for.
A strategy you can stick to gets you there faster than one that only looks good on paper.
Understanding the mechanics means you're making the decision — not just agreeing to one someone else made for you.
Together we will
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Review your budget, your debt, your lifestyle, and what you're actually hoping for
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Add up the costs nobody mentions at the open house: property tax, insurance, utilities, maintenance, strata
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Land on an affordability number you can live with, not just qualify for
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Build your FFC&P Mortgage Blueprint — your written plan for getting mortgage-ready
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Bring in a Manulife Mortgage Specialist once you're ready to talk actual products
Your Partner in Financial Well-Being
Financial Planner, Registered Retirement Consultant (RRC®), Certified Tax Preparer, Myers-Briggs Coach, and — genuinely useful when two people are making this decision together — a communication specialist.
Let's Get Started
Using the FFC&P Mortgage Blueprint (included at no charge).
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Review your budget, debt, lifestyle, hopes & dreams.
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Consider homeowner costs.
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Decide how much you can afford and still enjoy life.
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For a seamless process, you will work with a Manulife Mortgage Specialist and Karen Fenske.
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Book here for a FREE 20-minute introduction.