Mon - Fri : 08:30am - 8:00pm
Steve@SteveWhiteMortgages.ca
905.706.2843

Kitchener Mortgage Advisor

I help ensure everyday Canadians have the best possible mortgage, with the best possible rates and terms. I proudly do my best to keep more money in my client’s pockets and out of the bank’s coffers.

As a Kitchener Mortgage Broker, I work with over 60 mortgage lenders including major banks, credit unions, alternative and private lenders servicing London, Ontario. Our brokerage is able to use our credibility and experience to get the best mortgage terms and rates to suit your needs and situation.

A good mortgage broker can help plan your mortgage around your long term goals, as well as short term life events – from helping pay for your child’s college/university, catching up on retirement savings to being mortgage free sooner.

Mortgage agents are there to help from before you even start to house shop, through packaging your financials, finding the right lender with the best rates/terms, overseeing the appraisal values and inspections, ensuring you’re not overbidding, checking in with your Realtor and lawyer and keeping all the financials running smoothly until you receive your keys.

Mailing Address: 50 Ottawa St, Suite 101 Kitchener, ON N2G 3S7

Phone: 905.903.4799

Email: Steve@SteveWhiteMortgages.ca

Investment Property Financing

I’m an expert in working with new and experienced real estate investors using a wide range of strategies from flips, buy and hold, BRRR, equity shifting, JVs etc.

As an investor/landlord myself for over 10 years, I’ve used numerous strategies to build my own portfolio and have access to a deep pool of lenders from low-rate banks, alternative lenders for growing portfolios to private lending for quick closings and advanced strategies.

Struggling First Time Buyers

Younger Canadians are struggling to get into their first home and they needs a creative, experienced and stubborn mortgage advisor who won’t give up on them. I’m experienced in advances mortgage strategies and have access to over 70 banks, credit unions and alternative lenders to develop a custom solution.
I’m an expert at working through difficult situations and exhausting all options to find a way to get you into your first home.

Debt Relief and Emergency Loans

Canadians are facing the most difficult and challenging times of our generation. Tens of thousands are out of work and looking for help managing their debts and paying their bills.
I’ve personally been through emotional financial hardships and have dug myself out of deep debts. I use my experiences and what I’ve learned to help others; from debt and credit card restructuring to quick emergency loans, I can help.

Refinance

With interest rates at an all-time low, now is the ideal time to review your curren mortgage and see if there’s a better deal out there. Even if you have several years left on your existing mortgage, I can help review your options to keep more money in your pocket.

Renew/Switch

Don’t sign your mortgage renewal without seeing what other options are out there. Most often there’s a better deal out there giving you better terms or lower rates. It’s worth an hour or two of your time to potentially save yourself and your family thousands of dollars a year.

Equity Takeout

Have a big project you’ve been dreaming of or a major life event such as a child’s wedding? Unlike buying luxury toys or extra spending money, using equity to enrich your life – travel the world, further your education – is a good use of some of the wealth you’ve built.

Self Employed

As a self employed mortgage broker who purchases investment properties, I know the challenges you face getting funding from traditional lenders. I’ve developed great relationships with many mortgage providers with special programs for entrepreneurs and business owners.

No Income

Life happens. If you find yourself out of work or with reduced hours and worrying about how you’ll make your mortgage payments, there are solutions out there for you. I can help you access some of the equity in your home and perhaps even put you into a mortgage without monthly payments.

Investing

Are you looking to purchase an investment property but don’t know how, where or when? I’ve been an investor myself for nearly eight years and have a unique insight into the proper way to invest. Investment property mortgages are much different than a mortgage on your own home and you need an expert to ensure the process moves along smoothly.

 

Investment – duplex conversion BRRR

Tags ///
Chris was looking to purchase his first rental property but was interested in using the BRRR strategy (Buy, Renovate, Refinance,...
Read More →
 

Foreclosure Rescue

Tags ////
A tearful Amber reached out saying her bank has been sending her letters threatening a Power of Sale (known as...
Read More →
 

Emergency condo purchase

Tags //
Lisa and Adam texted in a panic after receiving a call from their bank saying their mortgage ‘approval’ was no...
Read More →

Why Work With Steve?

Better technology, more experience, better solutions and more caring than most mortgage brokers.

Experienced

Connected

Specalized

Accessible

Organized

Caring

I’ve Done A Lot!

After years of financially struggling to becoming an investor with a growing portfolio of numerous income properties, I’ve learned a lot!
I’ve worked my way from the bottom and understand struggle.

I Have Access to Answers

With access to over 70 lenders from big banks, alternative lenders to private financing, memberships to numerous trade associations and personal connections to hundreds of specialists.
I’m able to find the answers to the most complicated real estate and mortgage problems.

I Solve Tough Problems

From helping those struggling with debts, to young buyers unable to qualify, to new and experienced real estate investors looking to grow a portfolio.
I specialize in difficult situation most banks and brokers aren’t able or willing to solve.

Reach Me on Numerous Platforms

Connect with me how you’re comfortable. From quick and low-pressure texted questions, emails, web chats, video conferencing, phone calls to Whatsapp, Facebook Messenger and Instagram DMs.
I’m available to answer all your questions on your preferred platform.

Using Technology and Automation

I rely heavily on using cutting edge technology to provide you the best service possible.
From automated reminders, tracking systems through to digital signatures and encryption to make this process as easy, safe and efficient as possible.

I Help People

Above all my personal motivation and happiness comes from helping others. Not only do I help rescue clients from debt, investors build multi-million dollar portfolios, but I also donate a portion of all my income to those in need, volunteer a significant amount of time and sit on several charity boards of directors.
I really do care.

What People Are Saying

“

  • I’ve had the opportunity to work with Steve over the past year with respect to his income properties. Steve takes pride in his work and pays great attention to detail. He is a very hands-on person making him very proactive in all aspects of real estate and has always been able to offer insight, expertise, experience, suggestions to improve our property values and way of community life for the better.

    Cheryl, Property Manager

  • I have worked with Steve on and off for eight years. Steve’s ability to manage and work with a large and diverse group of people are second to none. He is never hesitant to go the extra mile on behalf of our clients. He remains up to date in terms of industry knowledge and trends.

    I highly recommend Steve for not only his technical and professional abilities, but also for his ability to navigate difficult situations with tact and a sense of humour.

    Ruth, Collegue

  • Steve was very knowledgeable and had really great advice. As it was our first mortgage renewal, he held our hand every step of the way. He went above and beyond the call of duty. He was very patient with us, and for that we are grateful! He made himself available throughout the whole process to answer our questions and was very thorough. Thanks Steve for your help and hard work!

    Danielle, Past Client

  • Steve is a straight-forward, hard working person with a strong moral ethic. He’s primary focus is to his clients. Steve helped me transition from home ownership on to the property ladder as a landlord with direction on mortgage financing and how to leverage the equity I had built in my first home as a means to fulfill my vision for economic independence.

    Diana, Past Client

  • I met Steve years ago through networking and soon learned to admire his ambition and enthusiasm toward mortgages and mortgage investments. His creative ways of investing into real estate opened our eyes and now we are looking at ways for our daughter to work with Steve on getting her first home.

    Zoltan, Past Client