01
Refinancing & debt restructuring
Review the mortgage, other debts and monthly cash flow together. Explore how available equity and a different financing structure could support your goals, with the full cost in view.
Mortgage services
Start with what you need to accomplish.
From a routine renewal to a file with several moving parts, the goal is a financing strategy you understand and can make an informed decision about.
02
Commercial mortgages
Financing for commercial properties and investment plans, with attention to property income, use, ownership structure and lender requirements.
03
Construction & development
Work through project scope, budget, timing and the proposed funding structure to help present the financing request clearly.
04
Private & time-sensitive mortgages
Assess private-lending options when the circumstances, property or timeline need a different approach. Consider fees, the term and a realistic exit strategy.
05
Home purchases & renewals
Understand your budget and compare options for a purchase or upcoming renewal. A straightforward mortgage still benefits from careful planning.
06
Self-employed & complex files
Bring together income, property details and the purpose of the financing to explain the complete picture. I look for workable approaches without promising an approval.
07
Bruised credit & debt settlement
A difficult credit history deserves a closer look. I review your income, available equity, debts and goals to assess mortgage options and their costs.
Debt settlement services
I offer access to debt settlement and resolution services through a specialist partner. Independent licensed Canadian law firms assess eligible files and negotiate qualifying unsecured debts, including collections.
My role is to connect you with the service and coordinate any suitable mortgage financing.
Discuss debt settlement with ShawnA coordinated plan for debt and financing
- Explore negotiated reductions in qualifying unsecured balances, where creditors agree.
- Review liens, judgments or writs affecting financing and whether a settlement or discharge can be arranged.
- Coordinate an agreed lump-sum settlement with mortgage proceeds when financing is suitable and approved.
Eligibility, creditor agreement and lender approval apply. Net savings depend on settlement terms, fees and borrowing costs; outcomes are not guaranteed. Fees and credit impacts should be reviewed before proceeding.
Using home equity to fund a settlement adds borrowing secured against your property. Refinancing by itself does not reduce the principal owed.
This negotiated settlement service is separate from consumer proposals and bankruptcies, which are administered by Licensed Insolvency Trustees.
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
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.