Sheila Tremblay - Mortgage Associate at Mortgage Alliance
FrançaisFR

It's never been so simple!

For over 20 years we've been connecting Canadians with the best mortgages from the right brokers!
Let's get going
Photo

Sheila Tremblay

Mortgage Associate

sheiladt@telus.net

Work

(888) 318-7816

Specialties: Residential Mortgages, First-Time Home Buyer, Self Employed, New Canadian, Alternative Lending

Apply Now

About Me

About Me

After completing my Legal Assistant and receiving my Dipolma I was given an opportunity I couldn't pass, becoming a Mortgage Associate/Assistant.  I later partnered to have my own brokerage firm and then took time off to do the hardest most rewarding job of all, being a mom.

I am very proud of my son Jaxxon and daughter Justice as they are growing every day, becoming very bright and starting to teach me a few things!  I am constantly learning and being inspired by them.

As Mortgage Associate I am able to navigate you in all stages of your life.  From new beginnings with buying your first house, to financing that vacation or consolidating your loans, saving for retirement, to growing and developing your 2nd house, vacation property or rental.

Being a part of so many people's lives over the years has been very rewarding so I'm very excited to assist you again or for the first time!

At the Mortgage Alliance Family, we don't offer only Mortgages, but build long lasting Partnerships that assist us in offering more for Our Clients like Personal Loans, Credit Cards & other Special Offer and Discounts! 

I want to give a Huge Thank You to all my past clients & if you're not a current client I look forward to working with you soon!

Please check out our New Loyalty Program to help you save even more. formeprogram.ca/landing/359435

We've made it easier for you to find discounts & promos on the web when you purchase directly from your merchants' site. favorites! No need to change your shopping habits, just log in and shop.

Home Purchases, Rentals, Vacation Properties, Home Equity Lines of Credit, 2nd Homes, New to Canada, Business for Self, Family Purchases, Refinances, Debt Consolidations & Mortgage Renewals.

4 reasons why it's smart to use Mortgage Alliance

Check it out

Self Employed

Borrowing money is harder for many self-employed Canadians. While there is broad recognition that self-employed Canadians are reliable borrowers, it may be difficult to navigate the mortgage process and the different options available specifically for this group. We can help turn the tables. These individuals may run their own businesses, or work in a profession where the main source of their income is predominately capital gains, a form of income that is generally not considered by most “A Lenders”.

We work with self-employed homebuyers every day and understand the challenges that they may face when arranging a mortgage especially with no standard proof of income. Our brokers are experts when it comes to mortgage solutions and have access to multiple options, including mortgage products designed specifically for self-employed Canadians. They can pinpoint which lenders have more favourable terms and requirements and advise you on how you can improve your options to get the best possible rate and terms.

The more complex your mortgage situation, the more sense it makes to use an experienced mortgage professional who can help simplify the process and help you achieve both your short-term objectives and your long-term financial plan. Most of all, they allow you to stay focused on your business, alleviating the burden of many time-consuming and frustrating tasks and meetings associated with securing a mortgage and will also work around your busy work schedule. Many will even travel to your work site if required to make the transaction as convenient as possible for you.

Remember, that independent mortgage professionals work for YOU, not the lenders or banks, so you can rest assured that their advice is unbiased and in your best interest when it comes to finding the right lender and right product to meet your needs. Find out what your options are, give us a call.

Alternative Lending

With the ever-changing market and a stricter stress test, many Canadians are finding it harder to qualify for a mortgage through traditional financial institutions “A-Lenders” and are turning to alternative lending solutions for their mortgage. At Mortgage Alliance we work with many alternative lenders, who can offer excellent mortgage options with more flexible criteria and more lenient qualification requirements.

Alternative lenders are great for individuals who have non-traditional forms of income for example, capital gains, room rental income, child tax benefits and others or for self employed applicants who may not have the minimum required number of years being self employed.

These lending solutions are also a good option for those with lower credit scores. While the rate they offer is slightly higher than what you will see posted by an A-Lender, they are nothing out of the ordinary when compared to traditional rates posted in Canada. They also generally have shorter terms, meaning that you can get into the home of your dreams while being able to rebuild your credit at the same time.

Buyers who don’t qualify under the mortgage stress test can also take advantage of the expanded debt service ratios allowed by alternative lenders to qualify for a mortgage and get into the home of their dreams. If you have a very unique situation, we also have access to various private lenders who are even more flexible and lenient in requirements and may be able to offer you mortgage options that fit your situation. In today’s environment, we’re seeing more private lenders helping Canadians with their mortgages.

Call your Mortgage Alliance professional to find out about the different options available to you. They are experts when it comes to mortgage products and different solutions and will provide you with unbiased advice. They work for you, not the lender.

Connect by Email

Connect by Email

Apply Now

Apply Now

Services To Improve Home Ownership

Services To Improve Home Ownership

Today's Mortgage Alliance Exclusive Rates

As of December 01, 2022

Click to secure the rate

Showing the best rates in:

Rates may vary provincially and are subject to change without notice OAC.

Tell us what you're looking for and we'll find the right mortgage for you!
Apply Now
background image

Sign up for my Newsletter

Sign up for free