Your Mortgage, investment property, secondary home and equity specialist

Better Advice & Better Planning from a Trusted Mortgage Agent

Starting a Family

Starting a family is exciting and terrifying. From buying a larger home to planning for maternity leave, your monthly costs are going to increase drastically. This will be the most expensive phase of your life. The stress of new costs can steal your attention from what really matters, enjoying every moment as your family grows.

I have several strategies for young families, that lower monthly costs and create an emergency fund for unexpected costs. My goal is to lower your financial stress as much as possible so your can enjoy your lives together. Each family is unique, and your mortgage payment strategy should be too.

Retired or Retirement Living

Retired or Retirement Planning

Retiring partially or completely leads to several financing challenges. Your income reduces significantly and your ability to lend money drops significantly. You have a large amount of equity, but you will  have difficulty accessing it. The balance of income and equity is very delicate and changes constantly. Your Accountant and Financial Planner/Investment Advisor have plans for your money. I work as a team with your Accountant and Planner to achieve your goals.

I have specialized in using investment income and home equity to access mortgages/lines of credit for people with lower income. You worked your whole life to retire and live comfortably, you deserve the best options and planning. Every retirement looks a bit different, so each mortgage or line of credit strategy needs to be tailored to your needs.

Going After Your Dreams

Starting a Family

There is nothing I enjoy more than helping people achieve their goals. Returning to school, starting a new business, taking a year off to travel, or becoming a property investor are just a few ideas.

Accessing your equity and lowering your payments are some of the ways your can “press pause” on your mortgage to focus on you. It’s even possible to use your mortgage, to create an income. Living without an income for even a short period of time takes expert planning with your accountant, financial planner and mortgage advisor. I work in as a team with your professionals, to tailor a mortgage strategy that lets you focus on making your dreams a reality. You won’t find excuses to put off your goals here, only solutions!

Contact Us About a Mortgage Today

Cathy Speakman Mortgage Agent
Contact Cathy Speakman

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P: (705) 344-1263

Book an Appointment with Cathy Speakman

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Cathy Speakman, Mortgage Agent
Agent #: M18000948

Markets Served: Kawartha Lakes, Durham, Simcoe County and GTA

 

Working for you, not the Banks

I am here to assist you and provide options to best suit your mortgage and financial needs. Whether you are a first time home buyer, a next time homebuyer or a property investor I can offer you knowledge and experience that will help you achieve your goals.

With over 12 years of mortgage industry experience including property investment and private lending, I am dedicated to serving my clients with knowledge and integrity. From buying your first home or rental property, to learning to use your home equity in your financial planning, I am committed to providing the best options available.

I serve my clients with honesty, knowledge and integrity through every step of their mortgage financing journey. My specialties are first time home buyer, investment properties, recreational properties, debt consolidation and equity take out.

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