Residential mortgages tailored to help you buy a home, invest in property, or refinance with confidence. Let me guide you to the right solution for your needs.
How much mortgage can I afford ?
Your affordability depends on your income, debts, credit score, and down payment. A mortgage agent can calculate your maximum budget and show you realistic price ranges before you start house hunting.
Can I get a mortgage if I’m self-employed or have bad credit?
Yes. Many lenders in Canada offer options for self-employed borrowers or lower credit scores. The key is structuring the application properly and choosing the right lender.
What do I need to get pre-approved for a mortgage?
You typically need proof of income, employment details, credit information, and down payment confirmation. A pre-approval gives you a clear budget and strengthens your offer.
Residential refinance mortgages designed to help you access equity, lower payments, or consolidate debt—expertly structured for your financial advantage.
When should I refinance my mortgage ?
You may consider refinancing when your mortgage is up for renewal, interest rates drop, or you need to access equity for debt consolidation, renovations, or other expenses.
How much equity do I need to refinance my home?
In Canada, you can typically refinance up to 80% of your home’s value. This means you need at least 20% equity remaining after the refinance.
Can I refinance my mortgage to pay off debt?
Yes. Many homeowners refinance to consolidate high-interest debt into one lower monthly payment. This can improve cash flow and simplify finances if structured properly.
Commercial mortgages designed to finance income properties or business spaces. I create solutions that suit your investment and expansion goals.
How do commercial mortgages work in Canada?
Commercial mortgages are used to finance income-producing properties like offices, retail, or multi-unit buildings. Approval is based on the property’s income, your experience, and financial profile.
How much down payment is required for a commercial mortgage?
Most commercial mortgages in Canada require 20%–35% down, depending on the property type, risk, and lender requirements.
What do lenders look for when approving a commercial mortgage?
Lenders focus on the property’s income (cash flow), your financial strength, credit history, and experience managing real estate or businesses.
Construction mortgages structured to support project budgets, timelines, and unique needs—helping you turn vision into reality, every step of the way.
How does a construction mortgage work in Canada?
A construction mortgage is funded in stages (draws) as your home is built. Funds are released at key milestones like foundation, framing, and completion.
How much down payment is required for a construction mortgage?
Most lenders require at least 20% down, but it can be higher depending on the project, builder, and your financial profile.
What do I need to qualify for a construction mortgage?
You’ll need approved building plans, a signed contract with a builder, a realistic budget, and proof you can carry the mortgage during construction.
OS Mortgages — Olga Shvetsov, Mortgage Agent (Level 1)
I am Olga Shvetsov, the mortgage agent at PERCH (# 13262) I provide mortgage services to help buyers, owners, and investors make confident decisions.
Contact
Olga Shvetsov, Mortgage Agent
Level 1 @ Perch ON # 13262
(647)299-4336
[email protected]
Hours
Mon–Fri: 9am – 5pm
Sat: By appointment
Sun: By appointment
© 2026 Olga Shvetsov . All rights reserved. Olga Shvetsov is the mortgage agent ( Level 1) at Perch ON 13262 Licensing and regulatory information is available upon request.