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Refinancing & debt restructuring
Look at your mortgage and other debts together to explore a more workable financial position.
Explore refinancingServing Ontario & New Brunswick
A clear plan for your next move.
Refinancing, restructuring debt or working through a more complicated financing need? Get practical advice and a carefully considered mortgage strategy, with someone who looks at the whole picture.
Where I can help
Financing built around the situation.
My strongest work often starts with a file that needs a closer look. I help you understand the possibilities, the costs and the trade-offs before deciding how to move forward.
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Commercial mortgages
Structure financing around the property, its income, your plans and the lender’s requirements.
Commercial financing03
Construction & development
Work through project details, funding stages and timing to prepare a well-supported financing request.
Project financing04
Private & time-sensitive mortgages
Explore financing when your property, circumstances or timeline need a different approach, with costs and an exit strategy in view.
Private mortgage options05
Home purchases & renewals
Understand your budget, compare mortgage options and plan for your next purchase or renewal.
Purchase & renewal options06
Self-employed & complex files
Bring income, property details and your goals together to help a lender understand the complete picture.
Explore complex files07
Bruised credit & debt settlement
Mortgage options and access to debt settlement services, coordinated around your situation. Through a specialist partner, eligible unsecured debts may be negotiated for less than the full balance, with an agreed settlement funded from mortgage proceeds where suitable.
Explore credit & settlement services
Meet Shawn Gale
A different perspective on a difficult file.
I’ve been in the mortgage industry since 2006 and have worked on both the brokerage and private-lending sides. That experience helps me look at an application from more than one angle.
I enjoy finding the detail that changes the conversation, asking the next question and working through a challenge. I bring the same care to straightforward purchases and renewals.
- Clear explanations of your options and costs
- Experience in origination, operations and business development
- A practical approach built on honesty and integrity
Business loans and financing
Capital for your business.
For working capital, equipment and other business financing needs, I also work with business owners through Knightingale Capital, using Swoop’s funding platform to explore available options.
Visit Knightingale CapitalBUSINESS FINANCING THROUGHKnightingale Capital
How we work together
Understand. Structure. Move forward.
You do not need to arrive with all the answers. Start with what you want to accomplish.
1. Understand the situation
We talk through your goals, timing, property and financial picture.
2. Work through the options
I assess potential approaches and explain costs, conditions and trade-offs.
3. Put the plan to work
We prepare the application and work through the lender’s review and closing requirements.
Start a conversation
Tell me what you need financing to do.
Share the goal, the timing and what is getting in the way. We can work through the options together.
416-999-3969
shawn@shawngale.ca
Use the application for financial details and documents. Keep this inquiry to general questions.