Book a Time
No pressure. No pitch. Just clarity.
Quick Chat
An introduction or catch-up conversation. Ideal for a first hello, saying thanks, or a brief exchange without a specific agenda. If you're weighing a financial decision, see the Clarity Session below instead.
Partner Sync
For realtors, brokers, banking contacts, and industry professionals. Whether we're exploring a working relationship or already have one, this is the time for alignment, referral flow, and how a partnership takes shape.
Clarity Session
Structured thinking applied to a high-impact financial decision. For those weighing a significant commitment who value context and disciplined evaluation before moving forward.
Service Request
Tell us about the space and what you need — property services, turnarounds, and getting a space ready for what's next. Opens the TurnQi Ready request form.
Drop a note
Your note has been received
Each message is reviewed carefully and responded to deliberately. You can expect a response within 1 business day.
Quick Chat
No pressure. No pitch. Just clarity.
← Choose a different optionCongratulations on your approval — a short review of the details, closing costs, and what comes next.
Service Agreement›
What’s included ›
Turnover and readiness cleaning, finishing and repair (non-structural), packing and organization, furniture setup and staging, debris removal, and same-day photo/video documentation of the work we perform. Services are confirmed in writing through your booking.
Payment & deposit ›
Jobs under $200 are invoiced in full before your visit. For jobs of $200 or more, a 30% deposit (minimum $99) is collected up front and the balance is invoiced on completion. Applicable taxes (GST in Canada, GCT in Jamaica) are added to the invoice. Our team never collects or handles payment on site.
Scheduling & entry ›
You arrange and control entry for every visit — we don’t hold keys. We aren’t responsible for delays from failed entry, unsafe conditions, or unavailable utilities; such visits may be treated as late cancellations.
Cancellation & rescheduling ›
Cancel or reschedule with at least 48 hours’ notice and amounts paid transfer to the new date or are refunded in full. Inside 48 hours, an amount equal to the deposit is retained. Same-day and priority bookings are non-refundable once crews are dispatched.
Documentation ›
Photo/video records the space and the work we performed, before and after. It is visual support only — not a formal inspection, appraisal, or code-compliance report, and never a warranty of work performed by others.
What we don’t do ›
No licensed trades (electrical, plumbing, gas, HVAC, roofing), structural work, or job-site management. Where regulated work is needed, we connect you with trusted licensed partners.
The Full Closing Guide ›
A few areas worth knowing about as you move toward your close — some apply to you, some won't; your lawyer and accountant will confirm the specifics. Tap any section to read it.
Lawyer review ›
- For condos: lenders require the condo status certificate (estoppel or information certificate in some provinces). Checking special assessments, reserve fund, rules, and restrictions.
- New builds: have your lawyer review it with your purchase agreement. A lawyer catches structural red flags that buyers typically don't.
Closing costs reality ›
Costs at closing depend on your transaction type.
| If purchasing | If refinancing |
|---|---|
| Land transfer tax — registration fees in AB, SK, YT, NWT, NU. | Discharge fee from your old lender to release the existing mortgage. |
| PST on default insurance — cash at closing in ON 8%, QC 9%, MB 7%, SK 6%. | Prepayment penalty if breaking term — 3 months interest (variable) or IRD (fixed). |
- Legal fees — lawyer's fee plus disbursements.
- Property tax adjustment — based on what's been paid for the year.
- Title insurance — one-time policy at closing (lasts as long as you own). On a refinance, the new lender requires a fresh policy.
- Appraisal fee — lender may require a recent appraisal. Sometimes waived or covered as a switch promo on a refinance.
- Lender and/or broker fee — on certain specialty products; disclosed if applicable.
- Home/fire insurance — lender needs proof of coverage with them named as loss payee before funding.
Lender warranty perks ›
Some lenders include a complimentary home warranty on certain mortgage products — heating, plumbing, and electrical covered free for up to 12 months. Applies to purchase or refinance. Check your commitment letter to confirm enrollment.
Land transfer tax rebate — first-time buyers ›
Most LTT provinces offer a rebate program for first-time buyers that can offset some or all of the land transfer tax at closing. Eligibility and amounts vary by province — ask your lawyer to verify before close so the rebate is applied to your closing statement.
HST/GST New Housing Rebate ›
If you're buying newly built or substantially renovated, you may qualify for a rebate on a portion of the HST/GST paid. Builders often build part of the rebate into pricing and apply on your behalf, but coverage varies — confirm what's included and whether you need to file separately.
Source: canada.ca — Housing benefits
Energy Efficiency Refund — 25% back on premium ›
New build with an insured mortgage (less than 20% down) may qualify for a 25% refund on your default insurance premium. Apply within 24 months of closing.
Commonly missed: an estimated 75% of eligible buyers never apply. Apply directly through your insurer:
First-Time Home Buyer's Tax Credit ›
If this is your first home, there's a federal non-refundable tax credit you can claim on your next personal tax return. Worth flagging for your accountant.
Federal first-time buyer programs ›
Home Buyers' Plan (HBP) — lets first-time buyers withdraw RRSP funds tax-free toward a home purchase, repayable over 15 years.
Source: canada.ca — Home Buyers' Plan
CMHC programs — federal programs supporting first-time buyers. Program structure and eligibility evolve — worth checking current status directly.
Source: CMHC — Home Start program
Builder's warranty (new builds) ›
Most provinces require new homes to carry a registered builder's warranty. Coverage tiers and the administering body vary by province.
Sources: Tarion (ON) · BC Housing (BC) · Alberta.ca (AB) · GCR (QC)
You're booked!
A calendar invite is on its way to your email.
Mortgage Application
No pressure. No pitch. Just clarity.
The first step in understanding your situation and the financing that may be available to you.
Provide your income, assets, debts, property details, and the other information needed to understand your mortgage needs.
Your situation is reviewed and the information verified, then appropriate lenders are approached to identify suitable financing options.
Once financing is approved, you’re guided through the remaining steps toward your mortgage closing.
Before you start ›
You don’t need a perfect situation — just a complete one. Starting is how we find the right options.
Good to know ›
- Don’t leave anything out. Changes in income, employment, or debts can affect the application.
- Be ready for questions. More information or documentation may be needed as things progress.
What you’ll need ›
If they apply to you:
- Government-issued ID
- Employment and income information
- Current mortgage or property information
- Down payment or equity information
- Any supporting documents requested during the application
Don’t worry if you don’t have everything ready. You can begin now, and anything else that’s needed will be requested as you go.
Good to keep in mind ›
- An application isn’t an approval. Financing is subject to lender review, qualification, and approval.
- Options can vary. Rates and terms depend on your situation and each lender’s criteria.
- No obligation. Starting simply lets your options be explored — you’re not committed by beginning.
How much time it takes ›
It usually takes only a few minutes to get started. Having your information handy makes it quicker, and you can provide anything outstanding as the application progresses — you don’t need everything perfect to begin.
How your information is used ›
- Your details are used only to assess your mortgage needs and identify suitable financing.
- With your consent during the application, a credit check may be completed to help understand your options.
- Your information is kept private and shared only with lenders as needed to arrange your financing.
60-Second Clarity
No pressure. No pitch. Just clarity.
← Choose a different optionWhat's bringing you here today?
When it comes to big financial decisions, you tend to:
Right now, what matters most to you?
When do you need to make this decision?
Which age range applies to you?
One step from clarity — where should we reach you?
Your information is kept private and used only to review your situation and provide relevant feedback.
We love celebrating our community members. When is your birthday?
Thank you, !
Thank you, !
One decision rarely stands alone. Bring structure to the choice in front of you and everything it moves before commitment.
A quick look at how your session is structured — so our time together starts focused.
Come with the single decision that matters most right now. When you can name it in one clear sentence, the session already has its focus.
A structured conversation and perspective — not regulated financial, legal, or investment advice, and no brokerage or advisory relationship. The fee is a consultation fee only, with no obligation to proceed afterward.
45 minutes · one-to-one · $295
Prefer not to book right now? We'll review what you've shared and reach out if there's something worth flagging.
A Clarity Session is a standalone paid consultation — not a deposit or fee for mortgage or financial services.
Session Agreement ›
Important Clarification ›
This is a paid consultation only — not financial, legal, tax, or investment advice, a mortgage application, or a deposit toward any service. Booking creates no advisor or brokerage relationship, and any decisions you make are your own.
What You’ll Gain ›
- Greater clarity and confidence so you know what to do next and why.
- A practical action plan with the most important next steps and priorities clearly identified.
- Honest, unbiased perspective to help you see the bigger picture and make informed choices.
- A focused conversation about your unique situation, goals, and what’s influencing your decision.
- A clear understanding of your options, including the opportunities, risks, and timing considerations.
Purpose ›
This session is designed to help you think clearly about your situation — organize your thoughts, explore your options, and figure out what to do next.
Notes & Privacy ›
Sessions are held over Google Meet. So I can stay focused on our conversation and follow up accurately, the meeting may be automatically transcribed and summarized by Google’s built-in note-taker (Gemini). A brief written recap may be prepared and emailed to you afterward. These notes are stored privately in my client-management system and used only to support your session and any follow-up — they are not sold, and not shared outside the practice except where needed to arrange a service you have asked for. If you would prefer that no transcript be kept, let me know before we begin; you may also ask me to delete your session notes at any time.
Cancellation & Rescheduling ›
A minimum of 48 hours notice is required to reschedule. With 48 hours’ notice or more, you may move your session to another available time at no charge — a “free reschedule.” A session booked less than 48 hours before it begins is not eligible for a free reschedule if it is missed or cancelled. A session is “missed” if you do not join, or arrive more than 15 minutes after the start time, without having rescheduled in advance. A missed session, or one cancelled on late notice, may be forfeited. If you decide to cancel outright rather than reschedule, the session fee is non-refundable once booked. If I need to cancel or reschedule for any reason, you’ll be offered your choice of another available time or a full refund — at no cost or penalty to you.
Refund Policy ›
Sessions are non-refundable once booked. If sufficient notice is provided (48+ hours), rescheduling to another available time is permitted at no charge.
Terms version v1 (effective Mon Jun 15 2026 00:00:00 GMT-0600 (Mountain Daylight Time))