P.Michael Thomas

I'm P. Michael Thomas, AMP, Mortgage Broker, helping homebuyers, homeowners, investors and business owners find practical mortgage and financing solutions. With almost 10 years of experience in both major Canadian banks and the mortgage brokerage industry, I understand that not every borrower, property or financing situation fits neatly into one lender's guidelines. My role is to understand your circumstances, identify the challenge and explore appropriate financing options. Based in Durham Region, I serve clients throughout Whitby, Oshawa, Ajax, Pickering, Toronto, the GTA and across Ontario. How I Can Help Home purchases and mortgage pre-approvals Mortgage renewals, transfers and refinancing Debt consolidation and access to home equity Self-employed mortgage solutions Investment and rental property financing Alternative and private mortgage solutions Second opinions after a bank or lender decline Commercial mortgage and real estate financing Business and equipment financing Renovation and real estate investment financing Financing solutions for homeowners 55+ When the Bank Says No, There May Be Other Options