First responders

From a former correctional officer, for those who serve

Mitch spent years as a correctional officer, like his dad Billy before him. He knows how shift premiums, overtime and pensions work, and how to present them so lenders count your full income.

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Overtime incomeOften counted with history

Lender incentivesSelect programs, subject to approval

Minimum down5% on first $500K

Talk it through with MitchFree, about 30 minutes

Start

How it works

What happens next.

Hover a step. Every file is different, but this is the path.

Talk shop

We go through your base pay, shift premiums, overtime and any secondary income so nothing gets left on the table.

Document your income

Lenders usually want a two-year history for overtime. We pull the right pay stubs, T4s and letters to show it.

Compare lenders and programs

Mitch compares 30+ lenders, including select programs for frontline workers where they fit your situation.

Close around your schedule

Calls, signings and updates happen around your shifts, not the other way around.

Who it's for

Is this you?

Police officers and correctional officers
Firefighters, career and volunteer
Paramedics and dispatchers
Nurses and frontline healthcare workers
Canadian Armed Forces members

Your options

How we can structure it.

Home purchase

Pre-approval and purchase financing that counts your full eligible income, including documented overtime.

Refinance or consolidate

Access your equity for renovations or to pay down debt, with your pension and benefits factored in.

Renewal review

Compare your renewal offer against other lenders before you sign.

Lender incentive programs

Select lender programs may offer cashback or rate incentives for frontline workers, subject to approval.

Calculator

How much house can I afford?

Uses the same debt-service ratios and stress test lenders use, so the number is realistic.

Household income (before tax)

Down payment saved

Monthly debt payments

Example interest rate

Property tax / month

Condo fees / month

First-time buyer?

YesNo

You could qualify for about

Mortgage amount
Qualifying (stress test) rate
Amortization used
Payment at example rate

Estimate only, using Canadian semi-annual compounding. Example rates are for math, not an offer. Your actual rate and APR depend on your approval.

Payment Land transfer tax CMHC insurance

What you'll need

Government-issued photo ID
Recent pay stubs showing year-to-date earnings
Employment letter with role, start date and base pay
Last two years of T4s to show overtime and premiums
Down payment statements
Pension statement, if relevant

Don't have it all yet? Start anyway. We'll tell you exactly what's missing.

Worth knowing first

Overtime usually needs a two-year history to be counted. Recent jumps in overtime may not count in full yet.
Cashback and incentive programs can come with conditions or a different rate. Mitch compares the full cost over your term.
Being on probation or a new contract can limit lender options. Tell us early so we pick the right lender.

FAQ

Good questions.

Does my overtime count?

Usually, if you have about a two-year history. Lenders often average it. Mitch will show you which lenders treat it most fairly for your pay pattern.

Are there special first responder rates?

Select lender programs may offer cashback or rate incentives, subject to approval. Mitch checks whether they beat what's available elsewhere for you.

Was Mitch a police officer?

No. Mitch was a second-generation correctional officer, following his dad Billy. That's where his respect for shift workers and frontline service comes from.

Can my spouse's income be included?

Yes. Combined income from both of you can be used to qualify, with each income documented separately.