Waiting on a separation agreement before you can move forward? You don’t have to.

✅ Your income, credit, and down payment are what qualify you, not your relationship status. DM us and let’s run the numbers together.

Contact us today +1-416-668-4943

We don’t just get you approved. We make sure you understand every step of the way.

🙌 Because a confident homebuyer is a successful one. DM us to get started.

Contact us today +1-416-668-4943

MYTH: You have to pay off all your debt before buying a home.

FACT: Although you should strive to be debt free, you don’t need to be debt-free to qualify for a mortgage, you need manageable debt. Lenders don’t expect zero debt. Instead, they look at your debt service ratios (GDS & TDS) to see how much of your income goes toward housing and other monthly payments. You can still qualify with a car loan, student loans, credit cards, or a line of credit as long as your payments fit comfortably within your income. It’s not about having no debt. It’s about having healthy ratios.

Worried your debt will stop you from buying a home? 

✅ Car loans 

✅ Student loans 

✅ Credit cards

Don’t be. 😎 It’s not about having zero debt, it’s about structure, manageability, and smart debt to income ratios.

damilola.azeez@cleartrust.ca | www.damilolaazeez.ca | +1-416-668-4943

Town House – $499,900

Location: Mississauga, Ontario

Minimum Down Payment (5.00%) – $24,995 | Monthly Mortgage Payment – $2,270

BREAKDOWN

Home Price – $499,900

Minimum Down Payment – $24,995 (subtract from home price)

damilola.azeez@cleartrust.ca | www.damilolaazeez.ca | +1-416-668-4943

MYTH: If you’ve been declined once, you’re done.

FACT: A decline from one lender doesn’t mean every lender will say no. Different lenders have different qualification rules. Sometimes it’s about restructuring debt, adjusting the down payment, or choosing the right lender category.

One lender said no? Don’t worry you’re not out of the game. 😎 Different lenders have different rules, sometimes it’s just about strategy, not rejection.

damilola.azeez@cleartrust.ca | www.damilolaazeez.ca | +1-416-668-4943

Helping Canadians finance their dream homes | First-Time Buyers | Refinancing | Reverse Mortgages | Spousal Buyouts

Based in Ontario | Licensed Mortgage Agent #12806

Available Anytime | Access to Multiple Lenders

damilola.azeez@cleartrust.ca | www.damilolaazeez.ca | +1-416-668-4943

Bank of Canada decided to keep the Rates as is, with Prime Rates currently sitting at 4.45%.

Be proactive & plan ahead by contacting my team to discuss how we can save you some money.

damilola.azeez@cleartrust.ca | www.damilolaazeez.ca | +1-416-668-4943

MYTH: Self-employed people can’t get mortgages.

FACT: Self-employed buyers can absolutely qualify but documentation matters. Lenders may look at your tax returns, business financials, or use stated-income programs. It’s more paperwork but that’s what I’m here for.

Being your own boss doesn’t mean you can’t own a home. 😎 Yes, it’s paperwork. No, it’s not impossible.

damilola.azeez@cleartrust.ca | www.damilolaazeez.ca | +1-416-668-4943

Helping Canadians finance their dream homes | First-Time Buyers | Refinancing | Reverse Mortgages | Spousal Buyouts

Based in Ontario | Licensed Mortgage Agent #12806

Available Anytime | Access to Multiple Lenders

damilola.azeez@cleartrust.ca | www.damilolaazeez.ca | +1-416-668-4943

Mortgage Tips for first-time buyer or newcomer

1. Research the Neighborhood, not Just the House: the neighborhood should fit within your lifestyle
2. Budget for More Than the Mortgage: Don’t forget to budget for taxes, insurance and potential HOA fees.
3. Read the Fine Print: Understand all terms, conditions, and fees involved in your mortgage agreement.

damilola.azeez@cleartrust.ca | www.damilolaazeez.ca | +1-416-668-4943