Mortgage Guidance
in Ajax & Durham
With Wayne McFarlane.
Review your purchase, renewal or refinance with a former mortgage underwriter serving Ajax, Durham Region and the GTA.
Experience That Banks
Don't Show You
After two decades in the banking world — including underwriting and advisory at CIBC — I now work independently to get you deals the big banks won't offer.
#M20003536
Why Most People Get Stuck
Sound familiar?
That's where I come in.
Here's what changes when you work with me:
How I Help You Win
First-Time Homebuyers
Step-by-step guidance from pre-approval to keys. No confusion, no surprises — just a clear path to your first home.
Learn more →Mortgage Renewals
Don't auto-renew at a higher rate. I shop your renewal to find lower payments and cashback options.
Learn more →Refinancing
Access your home equity, improve cash flow, or consolidate debt into a single manageable payment.
Learn more →Self-Employed & Tough Files
Real solutions when banks say no. Specialized strategies for business owners and non-traditional income.
Learn more →Investment Properties
Explore rental property financing, from 2–4 units to larger multifamily buildings.
Learn more →Separation & Divorce
Explore mortgage options for keeping, buying out, or selling a shared home.
Learn more →Real Situations. Real Solutions.
Renting for 10+ years, didn't think ownership was possible
Approved and moved in within weeks
Renewal was going to increase payment by $800/month
Reduced payment by $600/month with a better rate
Self-employed, declined by 2 banks
Approved with competitive terms through an alternative lender
Estimate Your Monthly Payments
Get a quick estimate — then let me find you the best rate from multiple lenders.
Estimated Monthly Payment
$2,456
Mortgage Amount
$400,000
Total Interest
$336,905
Total Cost
$736,905
Down Payment
$100,000
Rates Change.
Opportunities Close.
Even a small delay could cost you thousands. Don't wait to find out what you qualify for.
See What You Qualify For TodayGet a Personalized Mortgage Plan Within 24 Hours
No commitment, no pressure — just honest advice from someone who's been in the industry for 20+ years.
Mortgage Solutions
Explore guidance for your specific mortgage goal.
First-Time Home Buyer Mortgages
Learn more →
Mortgage Renewal & Transfer Options
Learn more →
Mortgage Refinance & Debt Consolidation
Learn more →
Mortgage Solutions for Self-Employed Borrowers
Learn more →
Investment Property Mortgages
Learn more →
Mortgage Planning During Separation or Divorce
Learn more →
Mortgage Options When Credit Is Challenged
Learn more →