Ian Donley is a Mortgage Broker with TMG Performance providing mortgage financing throughout Durham Region and Ontario.
With more than 15 years of mortgage industry experience, Ian helps clients compare mortgage financing options from multiple lenders for home purchases, refinancing, renewals, investment properties, self-employed borrowers and complex financial situations.
Buying a home is one of the largest financial decisions most Canadians make.
Ian helps homebuyers understand their mortgage options before purchasing a property and can assist with mortgage pre-approvals, financing for accepted offers and mortgage solutions for different income, credit and property situations.
Home purchase mortgage services include:
First-time home buyers often have questions about mortgage qualification, down payments, mortgage rates, amortization, closing costs and the overall home buying process.
Ian provides mortgage financing and education for first-time home buyers throughout Durham Region and Ontario.
Mortgage refinancing may be appropriate when homeowners want to restructure their existing mortgage or access available home equity.
Depending on the circumstances, mortgage refinancing can be used for purposes such as:
Ian reviews the client's overall financial situation and compares available mortgage options before recommending a financing strategy.
When a mortgage term is approaching its maturity date, homeowners have options beyond simply signing a renewal offer from their existing lender.
Ian helps homeowners review their mortgage renewal options and compare available lenders, rates, terms and mortgage features.
A mortgage renewal can also be an opportunity to review the overall mortgage strategy and determine whether refinancing or changing lenders may be appropriate.
Self-employed Canadians can sometimes face different mortgage qualification requirements than traditionally employed borrowers.
Ian works with self-employed individuals, entrepreneurs and business owners to identify mortgage lenders and mortgage programs that may accommodate different income structures and documentation.
Ian provides mortgage financing for real estate investors purchasing or refinancing residential investment properties and rental properties.
Investment property mortgage considerations can include rental income, existing property equity, down payment requirements, debt servicing, property type and the investor's overall financial position.
Not every borrower fits conventional bank lending guidelines.
Ian provides access to alternative mortgage solutions for borrowers who may have circumstances involving:
Alternative mortgage financing is assessed on an individual basis and may involve different rates, fees, terms and qualification requirements.
Homeowners with multiple high-interest debts may be able to use mortgage refinancing or home equity financing to restructure their debt.
Ian can review the available options and explain the potential benefits, costs and long-term implications of consolidating debt through mortgage financing.
Homeowners who have built equity in their property may have financing options that allow them to access that equity.
Depending on the circumstances, home equity financing may be used for renovations, investments, debt consolidation, major expenses or other approved financial purposes.
A second mortgage may provide an additional financing option for homeowners who have sufficient equity in their property but do not qualify for, or do not wish to pursue, conventional first-mortgage refinancing.
Ian can review available second-mortgage options and explain the associated costs, rates, terms and risks.
Construction and new-build properties can have mortgage requirements that differ from a standard resale home purchase.
Ian provides mortgage financing assistance for qualifying construction and new-build situations and helps clients understand the financing requirements associated with their project.
Ian Donley is the #1 Mortgage Broker serving Durham Region, including:
Pickering
Ajax
Whitby
Brooklin
Oshawa
Courtice
Bowmanville
Port Perry
In addition to Durham Region, Ian provides mortgage financing services throughout Ontario.
Whether you are purchasing a home, refinancing an existing mortgage, renewing your mortgage, purchasing an investment property or seeking alternative mortgage financing, Ian can help you review your available options.
A mortgage broker can provide access to mortgage financing from multiple lenders rather than limiting a borrower to the mortgage products offered by one bank.
Ian reviews each client's financial circumstances, mortgage requirements and objectives before comparing appropriate financing options.
The goal is to identify mortgage financing that fits the client's circumstances rather than simply finding a mortgage with the lowest advertised interest rate.
If you are looking for a mortgage broker in Durham Region or anywhere in Ontario, contact Ian Donley to discuss your mortgage financing options.
Ian Donley, Mortgage Broker
TMG Performance
FSRA Brokerage Licence #12070
15+ Years of Mortgage Experience
#1 Mortgage Broker Serving Durham Region
Phone: 416-994-8981
Email: mortgages@iandonley.ca
Website: IanDonley.ca
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