MortGAGES THAT FIT YOUR LIFESTYLE

ABOUT NATALIE

Born and raised in the Niagara Region, I'm passionate about my community and helping others, both on a personal and business level.

 

I'm relentlessly committed to helping my clients achieve financial success and always focus on finding a mortgage that fits every individual clients' needs and future goals.

 

Whether you are a first time home buyer or an experienced property owner, looking to renovate or wanting to invest, let me help you grow your real estate assets and assist in making home financing a smooth process.

 

WHY USE A MORTGAGE AGENT?

CHOICE

Mortgage Agents and Brokers have access to more rates and lenders than one singular bank. A bank representative only has access to their own products. As your Mortgage Agent, I shop an extensive network to find not only the best available rate, but also the best products and terms that align with my clients’ financial needs.

SERVICE

I am available by email, phone, text or in-person meeting to answer all of your questions. As your personal liaison with the lender, I offer a flexible schedule (including evenings and weekends) to accommodate YOU! My professionalism and knowledge regarding mortgages has left smiles on clients faces and keys in their pockets!

FREE

My services are free to clients (aside from commercial and private financing). Upon successful closing of your file, my services are paid for by the lender I've placed you with. This means that I will be there with you throughout your entire journey, from pre-approval to closing day, helping you to find a mortgage that suits your needs and lifestyle.

 

How I Can

Help You

PRE-APPROVAL

Are you just getting started thinking about buying a new home and aren't sure where to begin? Why not start by finding out what mortgage amount you are likely to be pre-approved for. This helps you have an idea of the price range you should be looking in when it's time to meet with your Realtor and go house hunting.

CONSTRUCTION

If you’re interested in building your dream home, I have access to construction mortgages! Unlike regular purchase mortgages where the funds are released on closing, the funds for construction mortgages are released in stages. This allows you to finance your project along the way and make your dream home a reality.

PURCHASE

From your first home to your forever home, I’m able to assist with your financing every step of the way. With access to over 30 lenders, government incentives and insurer products, such as the Purchase Plus Improvement Program, I am a knowledgeable resource who tailors solutions to fit your current financial situation and dreams for the future.

COMMERCIAL

With experience in diverse commercial portfolios, I’m here to support you with your next purchase or refinance. Commercial financing is all about the relationships with lenders and the ability to see if your mortgage is bankable. I will provide you with competitive rates, terms and the truth, to save you both time and money!

REFINANCE & HELOC

Are you thinking about using the equity in your home to consolidate debt, renovate, or pay for a large purchase, such as your child’s tuition? Refinancing or considering a Home Equity Line of Credit are two great ways to achieve these goals. You can use these tools to make a significant difference in your current financial picture. 

PRIVATE LENDING

For those hard to place mortgages or short-term solutions, numerous private lending solutions exist. With minimal income and credit requirements, most of the private lenders I work with are equity and property driven. I work with my clients to ensure there is a feasible exit strategy in place in order to mitigate any risks. 

Are you wondering about something mortgage related that isn't mentioned in my above list of services?

 
 
Contact

13 Queenston Street

St. Catharines, ON, L2R 2Y8

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Telephone: 905-359-0352

Email: natalie@torner.ca

www.natalietorner.com

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