Recognized among the top 5% of mortgage agents nationwide across the Invis Mortgage Intelligence network based on mortgage volume for five consecutive years (2021–2025)

National Performance Award

Awarded the Elite Hall of Fame distinction by Dominion Lending Centres

Elite Hall of Fame Recognition

Mortgage Broker

Courtier hypothécaire

Find the mortgage you are looking for with Mark Eade, Mortgage Intelligence in Burlington, Ontario. Languages: English

Mark Eade, Mortgage Professional, part of the Mortgage Intelligence in Burlington, Ontario

Trouvez l'hypothèque que vous recherchez avec Mark Eade, Intelligence Hypothécaire à Burlington, Ontario. Langues : Anglais

Mark Eade, Courtier hypothécaire, faisant partie de Intelligence Hypothécaire à Burlington, Ontario

<h2 class="editor_h2" dir="ltr">Your Financial Past Doesn't Have to Define Your Future</h2>Bankruptcy or a consumer proposal can make homeownership feel out of reach. But a financial setback doesn't necessarily mean you can't qualify for a mortgage. Whether you're hoping to purchase a home, refinance or renew an existing mortgage, there may be solutions available.Getting a Mortgage After Bankruptcy or a Consumer ProposalObtaining mortgage financing is possible, although your options will depend on your circumstances. Some lenders require a period of re-established credit following a bankruptcy discharge or completed consumer proposal, while others may consider applications sooner.There's no universal waiting period that applies to every lender. Your income, credit history, existing debts, down payment or home equity, and the time elapsed since your bankruptcy or proposal will all play a role.Steps That Can Improve Your Mortgage OptionsIf you've experienced bankruptcy or a consumer proposal, there are several ways to strengthen your position when applying for a mortgage:<ol><li value="1" class="editor_listItem" dir="ltr">Rebuild your credit. Making payments on time, keeping credit balances manageable and establishing a consistent repayment history can help demonstrate financial responsibility.</li><li value="2" class="editor_listItem" dir="ltr">Save for a larger down payment. A larger down payment can reduce the amount you need to borrow and may open the door to additional lending options.</li><li value="3" class="editor_listItem" dir="ltr">Consider a co-signer. Depending on the lender, a qualified co-signer may help strengthen your application. Keep in mind that co-signers also assume responsibility for the mortgage debt.</li><li value="4" class="editor_listItem" dir="ltr">Explore alternative lenders. Some alternative and private lenders have more flexible credit requirements than traditional banks. However, these mortgages may carry higher interest rates and fees.</li><li value="5" class="editor_listItem" dir="ltr">Understand the timing. The length of time since your bankruptcy discharge or completed consumer proposal can affect your eligibility. Even if you're not ready to qualify today, you can begin preparing for the future.</li></ol>How Mark Can HelpEvery financial situation is unique, and navigating mortgage financing after bankruptcy or a consumer proposal isn't always straightforward.Mark can review your circumstances, help you understand what lenders are looking for and explore financing solutions that may be available to you. If you're not quite ready to qualify, he can also help identify steps that could improve your position.Let's Talk About Your Next StepsA bankruptcy or consumer proposal doesn't have to define your financial future. Whether you're ready to pursue mortgage financing or simply want to know what's possible, the first step is a conversation.<a href="https://www.mortgageintelligence.ca/en/mark-eade/contact-us/" rel="noopener" class="editor_link">Contact Mark to get started</a>.

Mortgage financing may still be possible after bankruptcy or a consumer proposal. Explore your options for purchasing, refinancing or renewing.

Can you get a mortgage after bankruptcy or a consumer proposal? Learn about lender requirements, rebuilding credit and mortgage financing options.

Mortgages After Bankruptcy or Consumer Proposal | Mark Eade

<h2 class="editor_h2" dir="ltr">You're Self-Employed. Your Mortgage Should Work for You.</h2>Running your own business comes with plenty of rewards, but qualifying for a mortgage can sometimes be more complicated than it is for someone earning a regular salary.Whether you're a business owner, freelancer or independent contractor, your income may not fit neatly into traditional lending guidelines. The good news? There are mortgage solutions designed with self-employed borrowers in mind.Getting a Mortgage When You're Self-EmployedOne of the biggest challenges self-employed borrowers face is demonstrating their income. Business expenses and tax deductions can reduce the income reported on your tax return, even when your business is performing well.Traditional lenders generally rely on documented income to determine how much you can borrow. However, some lenders offer programs that take a broader view of your financial circumstances, including your business income, financial statements and other supporting documentation.Being self-employed doesn't automatically mean you'll need a larger down payment or pay a higher interest rate. Your financing options will depend on how your income is verified and whether you meet the lender's qualification requirements.Preparing for Your Mortgage ApplicationA little preparation can make a big difference when applying for a mortgage as a self-employed borrower. Here are five things worth considering:<ol><li value="1" class="editor_listItem" dir="ltr">Organize your financial documents. Lenders may request recent tax returns, Notices of Assessment, business financial statements or bank statements to verify your income.</li><li value="2" class="editor_listItem" dir="ltr">Understand your qualifying income. The income you report for tax purposes may differ from the amount a lender can use to qualify you for a mortgage. Some lenders permit certain adjustments to self-employment income.</li><li value="3" class="editor_listItem" dir="ltr">Maintain a strong credit history. Paying your bills on time and keeping debt balances manageable can help strengthen your application.</li><li value="4" class="editor_listItem" dir="ltr">Review your down payment. The amount you have available can influence which mortgage programs and lenders you qualify for.</li><li value="5" class="editor_listItem" dir="ltr">Explore different lending options. Traditional, alternative and certain specialized mortgage programs have different income documentation requirements. Understanding those differences can help you identify a suitable solution.</li></ol>How Mark Can HelpSelf-employed mortgage applications often require a more individualized approach.Mark can review your income structure, help you understand lender documentation requirements and explore mortgage solutions suited to your circumstances. Whether you're purchasing a home, refinancing or approaching renewal, he can help you navigate the financing process.Let's Talk About Your Mortgage GoalsYou've worked hard to build your business. Your mortgage application deserves an approach that reflects your financial circumstances.<a href="https://www.mortgageintelligence.ca/en/mark-eade/contact-us/" rel="noopener" class="editor_link">Get in touch to discuss your financing needs.</a>

Self-employed? Learn how lenders assess your income and explore mortgage financing options for business owners, freelancers and contractors.

Self-employed and looking for a mortgage? Learn how lenders assess income, what documents you may need and which financing options are available.

Self-Employed Mortgages | Mark Eade

<h2 class="editor_h2" dir="ltr">Enjoy Financial Flexibility in Retirement</h2>Your home may be one of your most valuable assets, but much of that value is tied up in the property itself. If you're 55 or older, a reverse mortgage could provide access to some of your home's equity without having to sell or move.Whether you're looking to supplement retirement income, manage expenses or simply enjoy greater financial flexibility, a reverse mortgage may help you make the most of the home you've worked so hard for.How Does a Reverse Mortgage Work?A reverse mortgage allows eligible homeowners aged 55 and older to borrow against the equity in their home while continuing to live there.Unlike a traditional mortgage, a reverse mortgage generally doesn't require regular principal or interest payments. Instead, interest is added to the outstanding loan balance over time, and repayment is typically required when you sell your home, move out permanently or the last borrower dies.You remain the owner of your home, provided you meet the mortgage conditions, including maintaining the property and keeping property taxes and insurance up to date.What Can You Use a Reverse Mortgage For?One of the biggest advantages of a reverse mortgage is the flexibility it can provide. Depending on your financial goals, you could use the funds to:<ol><li value="1" class="editor_listItem" dir="ltr">Supplement your retirement income. Access additional funds to help cover everyday living expenses and enjoy a more comfortable retirement.</li><li value="2" class="editor_listItem" dir="ltr">Pay off existing debts. Reduce financial pressure by paying off an existing mortgage, line of credit or other outstanding debts.</li><li value="3" class="editor_listItem" dir="ltr">Renovate or improve your home. Make updates, improve accessibility or adapt your home to changing needs as you age.</li><li value="4" class="editor_listItem" dir="ltr">Cover unexpected expenses. Access funds for healthcare costs, home repairs or other significant expenses.</li><li value="5" class="editor_listItem" dir="ltr">Help family members. Provide financial assistance to children or grandchildren, whether for education, a down payment or another important milestone.</li><li value="6" class="editor_listItem" dir="ltr">Enjoy your retirement. Fund travel, hobbies or experiences you've been looking forward to without having to sell your home.</li></ol><h2 class="editor_h2" dir="ltr">What Should You Consider?</h2>While reverse mortgages offer financial flexibility, it's important to understand the long-term implications.Interest rates are typically higher than those of conventional mortgages, and additional fees may apply. Because interest accumulates rather than being paid regularly, the loan balance increases over time, potentially reducing the equity remaining in your home.The amount you can borrow depends on factors such as your age, property value, location and the lender's requirements. Understanding these details can help you make an informed decision about whether a reverse mortgage fits your retirement plans.<h2 class="editor_h2" dir="ltr">How Mark Can Help</h2>A reverse mortgage is an important financial decision, and understanding how it works is essential to making an informed choice.Mark can help you determine whether you qualify, explain how much equity you may be able to access, and walk you through the costs, repayment terms and other important considerations. He can also guide you through the application process if you decide to move forward.<h2 class="editor_h2" dir="ltr">Discover What's Possible With Your Home Equity</h2>Wondering how much equity you could access through a reverse mortgage? Mark can help you understand what you may qualify for and how it could support your retirement goals.Find out what a reverse mortgage could offer you.

Age 55 or older? Discover how a reverse mortgage could help you access your home equity without having to sell or move.

Learn how reverse mortgages work in Canada, who qualifies, and the benefits and costs of accessing your home equity during retirement.

Reverse Mortgages in Canada | Mark Eade

Mark Eade

jenn breau

I’m a repeat customer for a reason! The communication is always excellent, the rates are consistently great, and Mark Eade remains the best broker I’ve ever worked with.

Jenny Nicholls

Greg, thank you for your help in guiding me with my upcoming mortgage renewal. You were kind, professional and offered me great advice. I highly recommend your service and am extremely thankful for your above and beyond assistance. 10 out of 10, thank you again!

Mandie woodruff

Just wanted to say thank you for looking after us the past couple of times. You guys are amazing at what u do ❤.

Therese Peckham

I cant say enough good things about Mark Eade at Eade Mortgages. He went above and beyond to make this process seamless. He is quick, personal, knowledgeable and highly involved. I look forward to working with Mark in the future. Highly Recommended!

Justin and Ashley Dejong

Mark has been over the top helpful as we just bought our first home and have had so so many questions. We will definitely be using Mark again in future purchases and will recommend him without hesitation.  Thanks Mark!!

Christopher Hornby

Mark was simply fantastic. As first time home buyers we appreciate how Mark made everything clear throughout the mortgage process and was always available to answer any questions. I would recommend Eade Mortgages to anyone looking for a friendly and professional mortgage experience.

Maggie Steiss

Stay away from Greg Eade. I had an emergency mortgage situation. My lawyer recommended Greg. I had met him before and thought he seemed decent but it turned out I was wrong. Yes he was able to save my house and get me back in. (Long story which I will be sharing fully on my Facebook page and LinkedIn shortly.). He found me a private lender. The deal was they would pay off the previous mortgage and I would have one month to get the house on the market. I agreed. What Greg did not disclose to me was he had a conflict of interest with the lender, which he is required to do by law. I will be making a formal complaint to FSCO about this. He recommended his pal Marcel Leclerc of Halton Heritage Realty to handle the sale. See my review for how that turned out. When I declined to used people Marcel recommended to clean up the house and get it ready for sale Greg left me a nasty message about it. Excuse me for not wanting strangers going through my things or not wanting to spend thousands of dollars to do what I could do myself with the much cheaper help of friends. I was also pushed. to be ready before the agreed 1 month.  The mortgage I signed with BFT Capital was also not what was agreed to. I also question the legality of it and am taking the matter back to court. (Warning to whoever bought my house you are about to be embroiled in a legal battle and might want to rethink the purchase) The lawyer for BFT Capital, Ross Mcleod, in Hamilton is currently facing charges of misconduct for "participating in or helping his private lender clients to commit fraud". I believe I am another of his victims.  Stay away from Greg Eade. He is not as honest as he comes off as being. He needs to be put out  of business.

The response from the owner came about a year after my review. It is an utter lie. BFT Capital was the private lender and I have written proof of this. BFT Capital showed on there website at the time that Mark Eade was part of their group. This mortgage company are outright liiars.

Ruthie Gooch

Greg has gone above and beyond every single time. I will forever grateful to him.

Peder Sibany

I want to say thank you to Mark Eade and Andrew Burnette (Heritage Realty) for an unbelievable experience. They helped me take my seeming impossible dream, and make it reality. I am now a home owner thanks to these two men and their teams. Mark helped guide me through the mortgage process from start to finish. The knowledge of the process and regulations were unmatched. I spoke to banks and credit unions that can not come close to touching them quality of the team here. The patience to ask what seems like a million and one questions, checking in on me, and coaching me along the way. Thank you Mark, you helped change the life and future of my family.

Susan Benton

Ditto to all the five-star reviews. I have purchased five properties working with Mark. I have and will continue to recommend him! Even when the situation is atypical he finds a solution that is suitable and financially responsible. He is extremely knowledgeable and regardless of the price of the deal, or even with no deal, his customer service is superb.

Mitch Denham

Very pleased. Very professional. Very happy. Will be recommeding Eade Morgages to everybody

Kelly Morrison

I was referred to Mark about 4 years ago when I made my first home purchase. From day one he has displayed nothing but knowledge, friendliness, professionalism, an unprecedented level of customer service, and most importantly consistency! My emails are always responded to promtely and if I need to meet him I can get a meeting within a reasonable timeframe. He really helped me make the most of my money and I am grateful for someone who cares about his clients. Don’t stop what you’re doing Mark, you have a life long customer right here!

Chad Benning

Mark and the rest of his mortgage brokers have helped me with 4 purchases over the years, each one a different type of real estate.  Every time the experience was professional, honest and better than before, and I have never hesitated to refer others as well.  Mark is a great sounding board and offered excellent advice through many emails and phonecalls.  They are truly the best in the business - our lawyer (who mostly handles real estate deals) also told us that Mark was the best he's seen in his 30+ years.  Keep up the great work!

Jean Francois Turgeon

Excellent service, extremely professional! Don't look any further!

Peter Andreana

Mark and the entire team are the most professional and honest individuals I have met.  Without hesitation I consistently and continually send my friends, family and clients to see Mark for all of their mortgage and borrowing needs.

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I’m a repeat customer for a reason! The communication is always excellent, the rates are consistently great, and Mark Eade remains the best broker I’ve ever worked with.

jenn breau

11 months ago

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