- lynda.thai-baird@dlcme.ca
- (403) 315-1961
Your Trusted Partner in Mortgages. Offering Reliability, Expertise, and Tailored Solutions
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Start your home buying journey with a Mortgage Professional and let us guide you through your mortgage process.
Wondering where to start? Download our FREE guide today!
Lynda Thai-Baird Mortgage Professional
Competitive and customizable mortgage solutions to fit your needs.
With a passion for helping individuals and families achieve their homeownership dreams, Lynda brings a wealth of experience and expertise to the mortgage industry. Known for her personalized approach to each client’s unique financial situation, Lynda takes pride in providing tailored solutions that meet both short-term needs and long-term financial goals. Whether you’re a first-time homebuyer seeking guidance, or a seasoned investor looking to expand your portfolio, Lynda offers comprehensive advice and support throughout the entire mortgage process.
What we offer
Mortgage solutions designed for you
Investment Property
Buying an investment property is a popular option for Canadians looking at different ways to invest their money. We help you source the best opportunities for your needs and goals, which we tailor to you and your portfolio. Available finance options can include:
- Acquiring a rental portfolio of one or more properties to build income and equity
- Converting your current home to a rental property
- Purchasing a property for your child or an immediate family member to live in
First-time Homebuyer
When you’re a first-time home buyer, the process can feel exciting and a little scary. But if you do a little homework beforehand, buying your first home can be fun and rewarding.
- Based on your desired move-in date, we’ll work out a timetable for your home-buying process
- We will help you create a monthly budget and then calculate a down payment and mortgage payments that fit into it
- Together, we’ll try out different mortgage scenarios, and show you how changes in income, property taxes, condo fees, loans and other variables affect your maximum mortgage amount and mortgage payments
New to Canada
Through this program, we can help new Canadians purchase their first home, build equity, and become economically established in Canada.
- Financing is available to borrowers with permanent and non-permanent residence status
- If a borrower has limited Canadian credit history, alternative forms of credit may be accepted
- It is possible to purchase a home with as little as 5% down
Self-Employed Individuals
A self-employed person is someone who works for themselves and does not earn a fixed salary or wage from a third-party employer. While this form of employment can bring many benefits, it can also present some hurdles when it comes to buying a home.
- Self-employed mortgages are specifically for borrowers who rely on self-employment income or business income instead of employment income
- When you’re self-employed, your income will be different from regular borrowers who are receiving consistent and predictable paycheques biweekly.
- Several tailored solutions are available in the broker channel to help self-employed individuals achieve their dream of homeownership while maximizing tax savings
Mortgage Refinance
Are you looking to consolidate your debt, pay for a child’s education, renovate your home, or would like to lower your mortgage payment? There are many options available to pull equity out of your home when you need it.
- When you’re refinancing to take out equity, you can borrow up to 80% of the current market value of your home
- When interest rates drop, consider refinancing to shorten the term of your mortgage and pay significantly less in interest payments
- Refinancing can be done at any point during your mortgage term, or at renewal time (applicable fees or penalties may apply). If you change lenders, you would pay out that mortgage contract to create a new one with a different lender
Mortgage Renewal
Your financial needs as well as the market changes over time and so should your mortgage. When your mortgage is up for renewal, this is the best time to re-evaluate what you want from a mortgage and shop around for the best products and rates.
- You don’t have to renew your mortgage with the same lender. You can move your mortgage to another lender if their conditions better suit your needs
- We can help you negotiate with your current lender. You may qualify for a discounted interest rate that is lower than the rate quoted in your renewal letter
- You may decide to switch your current mortgage to another lender for a loan of the same amount. If this is the case, the new lender will need to approve your mortgage application. The new lender may use different criteria than your original lender to decide if you qualify for a mortgage
Our ValueS
"Alone we can do so little, together we can do so much."
Over the last 30 years, Canada has seen significant fluctuations in mortgage rates as well as numerous changes to financing rules and regulations. When it comes to finding the best rate and mortgage solution tailored to your needs, Lynda is your guide.
With Lynda’s expertise, she doesn’t just focus on rates. She invests time to understand your unique situation, ensuring the perfect mortgage fit for you. She’ll walk you through every step of the process, making it seamless.
Instead of navigating this complex process alone, give Lynda a call. Sit down with her, explore the numbers, and discover how her personalized approach can make your dream of homeownership a reality.
As a seasoned broker, Lynda holds the ability to consult with multiple banks, credit unions, and lenders meaning you get access to a wide range of options, ensuring the perfect fit for your needs.
With strong contacts and established relationships, she gets things done efficiently. Her brokerage network grants you access to exclusive rates and terms that you might not find elsewhere.
Vision
To create accessibility and convenience in securing financing for all individuals, enabling them to fulfill their homeownership dreams.
Mission
Prioritize service quality and customer satisfaction by offering an efficient, competitive, and hassle-free mortgage experience.
Motto
Unlocking Homeownership Dreams Together. Providing innovative, affordable, and tailored housing finance solutions that meet our clients needs.
Download Our Mortgage Toolbox App
What Can You Do With Our App?
- Calculate your total cost of owning a home
- Estimate the minimum down payment you need
- Calculate Land transfer taxes and the available rebates
- Stress test your mortgage
- Estimate your Closing costs
- Compare your options side by side
- Email Summary reports (PDF)
- Calculate Your Total Cost Of Owning A Home
- Use my app in English, French, Spanish, Hindi and Chinese
Process
Let's get started on your homeownership journey
From first-time homebuyers to retirees, self-employed individuals to real estate investors Lynda and her expert team make getting your mortgage simple and easy!
Step 1
Submit An Application
Whether you are looking to get pre-qualified for a new mortgage, or are renewing or refinancing an existing mortgage, the first step is to complete an application.
To make it convenient, we offer our clients three options:
1. Online
2. Over the phone
3. In-person.
Step 2
Get Pre-Qualified
Once your application and credit consent is received, we will send you a list of documents needed to ensure we are providing you with the most accurate information. We will determine your maximum purchase price, review available rates, and discuss your required down payment and closing costs. When you receive your pre-qualification, you can start moving forward, whether that’s making an offer on a new home, or shopping for mortgage financing approvals.
Step 3
Mortgage Submission
We work tirelessly to match you with the perfect bank or lender that suits your needs and lifestyle. Once your options are identified, we will submit to the lender of your choice and structure your mortgage in a way that works best for you.
Step 4
Conditionally Approved
At this stage you will receive a mortgage commitment from the lender outlining the terms of the mortgage and identifying any additional things the lender needs to review to finalize your approval. We will also take the time to help you understand your approval and address any questions or concerns you may have.
Step 5
Financing Secured!
Congratulations, your mortgage is officially complete and finalized! The only remaining step is a meeting with a lawyer or title company to register your new mortgage onto your home's title.
Testimonials
What our clients say
More choice means more competitive rates
We have access to a wide variety of lenders — which allows us to find a mortgage solution that’s right for you.