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.