FROM SEA TO SKY, ALL YOUR MORTGAGE FINANCING NEEDS

WELCOME TO TEAM DE VUYST


What sets us apart from others in the industry is the dedicated team that we have handling every aspect of your mortgage. After our initial consultation we will start the mortgage process by gathering your information and assembling a package based on our mortgage plan.


Our dedicated Underwriter will work with a wide range of lenders suited to your needs and handle all correspondence between yourself and the lender. This separates us as you have the utmost responsiveness and first-class service throughout the mortgage process.


Throughout the course of your mortgage term we stand dedicated and ready to assist with any questions, concerns, or changes you need applied to your mortgage. We’re only a phone call away!

OUR PROCESS


START THE CONVERSATION 

The best place to start is to connect with us directly. The mortgage process is personal, and it can be daunting. Our commitment to you is that we'll listen to all your needs, assess your financial situation, and provide you with a plan to move forward. 

CHOOSE THE BEST OPTION

Once we’ve had a look at your financial situation, we’ll consider a variety of mortgage options, we'll outline what documents are necessary to qualify for a mortgage, negotiate with the lenders on your behalf, and arrange the mortgage that best suits your needs.

SIT BACK AND REST EASY

Once we’ve arranged the mortgage product that best suits your needs, you’re not alone. We're your mortgage professionals for life. If you’ve got questions in the years to come, we're always available to make sure that your mortgage is working for you, and not the other way around!

SERVICES


HOME PURCHASE

The largest investment in your life needs the utmost care and attention, that’s where we come in! From purchase to completion our dedicated team will handle every aspect, so you can breathe easy and feel confident with your new home purchase.

RENEWAL

At Team De Vuyst we handle this for you prior to your term coming due. With our systems in place we will notify you months ahead to get in touch and go over your new mortgage plan. We will handle booking rates and completing your new mortgage well ahead of your renewal date.

EXPANSION

With your real estate investment typically growing every year we at Team De Vuyst have an in-depth knowledge of how to use that value to obtain a growing real estate portfolio. We work with clients to grow their dreams and retirement in ways they never thought possible!

JAMES DE VUYST
YOUR PRIVATE MORTGAGE BROKER


PROVIDING AWARD-WINNING SERVICE AND TAKING CARE OF ALL YOUR HOME NEEDS IN ONE PLACE, ASK ME FOR MORE DETAILS!

James commenced his career as a mortgage broker in 2010, following the completion of his Bachelor of Commerce degree with a dual major in Finance and Marketing. During his tenure, he collaborated with a highly esteemed broker before transitioning to the Verico network in 2014. Within a relatively short period, he garnered recognition within the industry as a rising star.


Subsequently, in 2019, James established Team De Vuyst Mortgage Professionals through Verico Paragon Mortgage, recognizing his desire to offer a comprehensive service beyond the current offerings in the mortgage industry.


The foundation of Team De Vuyst is to provide a private banking-like experience, ensuring clients receive comprehensive information on all aspects of the mortgage process, including economic trends, market fluctuations, and local regulations that may impact their future purchases and mortgages.


James’s primary focus is on long-term strategic planning, whether for building a rental portfolio, acquiring one’s first home, or implementing more intricate investment strategies. His extensive knowledge and industry experience position him as a leading expert in the field.


In response to these evolving circumstances, James remains steadfast in his commitment to his clients and strives to maintain the private banking atmosphere through his expertise and industry experience. As we navigate these uncertain times, entrusting your portfolio to a professional team is the most prudent decision you can make.


James has also received numerous prestigious awards and accolades.


  • Top 5 Producer 2019-2025 Verico Paragon
  • 2020 - 2025 Chairpersons Club
  • 2020 CMP Industry Icon
  • 2019 Canadian Mortgage Professionals Top 75 Funded Volume
  • 2019 Top 5 Producer Verico Paragon Mortgage
  • 2019 Nominee Young Gun of the Year (top 10 brokers in Canada under 35)
  • 2017- 2019 Chairman’s Club Award Verico (top producer in the Verico network)
  • 2016/2018 Young Gun Canadian Mortgage Professionals (top brokers in Canada under 35)
  • 2016 - 2018 Top Producer Xeva Mortgage
  • 2016 Business Excellence Award for Verico (3rd largest network in Canada)

MORTGAGE NEWS


By James De Vuyst July 17, 2025
Buying your first home is a big deal. And while you may feel like you’re ready to take that step, here are 4 things that will prove it out. 1. You have at least 5% available for a downpayment. To buy your first home, you need to come up with at least 5% for a downpayment. From there, you’ll be expected to have roughly 1.5% of the purchase price set aside for closing costs. If you’ve saved your downpayment by accumulating your own funds, it means you have a positive cash flow which is a good thing. However, if you don’t quite have enough saved up on your own, but you have a family member who is willing to give you a gift to assist you, that works too. 2. You have established credit. Building a credit score takes some time. Before any lender considers you for mortgage financing, they want to see that you have an established history of repaying the money you’ve already borrowed. Typically two trade lines, for a period of two years, with a minimum amount of $2000, should work! Now, if you’ve had some credit issues in the past, it doesn’t mean you aren’t ready to be a homeowner. However, it might mean a little more planning is required! A co-signor can be considered here as well. 3. You have the income to make your mortgage payments. And then some. If you’re going to borrow money to buy a house, the lender wants to make sure that you have the ability to pay it back. Plus interest. The ideal situation is to have a permanent full-time position where you’re past probation. Now, if you rely on any inconsistent forms of income, having a two-year history is required. A good rule of thumb is to keep the costs of homeownership to under a third of your gross income, leaving you with two-thirds of your income to pay for your life. 4. You’ve discussed mortgage financing with a professional. Buying your first home can be quite a process. With all the information available online, it’s hard to know where to start. While you might feel ready, there are lots of steps to take; way more than can be outlined in a simple article like this one. So if you think you’re ready to buy your first home, the best place to start is with a preapproval! Let's discuss your financial situation, talk through your downpayment options, look at your credit score, assess your income and liabilities, and ultimately see what kind of mortgage you can qualify for to become a homeowner! Please connect anytime; it would be a pleasure to work with you!
By James De Vuyst July 15, 2025
Summer in Canada is short—but sweet. With warm weather and long evenings, it’s the perfect time to get outside and enjoy your outdoor space, no matter how big (or small) it is. Whether you have a tiny patio or a sprawling backyard, a few creative upgrades can go a long way toward turning your space into your personal summer oasis. Below are ideas for every type of outdoor space, from cozy balconies to large backyards! For Patio-Only Spaces Limited to a balcony or concrete patio? No problem! Small spaces can still offer big enjoyment. 1. Upgrade the Flooring Add interlocking tiles to give your concrete floor a more polished look—wood grain, grass panels, or composite styles are all popular, easy-to-install options. 2. Create an Outdoor Movie Zone Hang a pull-down screen or grab a portable stand, pair it with a mini projector, and voilà—your very own outdoor movie theatre under the stars! 3. Start an Herb Garden Railing planters are perfect for growing basil, mint, parsley, and more. Fresh herbs at your fingertips—and they smell amazing too! 4. Add Some Twinkle Wrap fairy lights around your railing or overhead beams to bring cozy vibes and nighttime charm. 5. Grill Like a Pro Maximize your BBQ season with a compact baby-que. Weber’s Q Series is a great option for small spaces without compromising grilling power. For Small Yards A little yard can still pack a lot of personality. Here are ways to make the most of every square foot: 1. Game Time! Add a mini putting green or an axe-throwing target (just be safe!) for quick bursts of backyard fun that don’t take up much space. 2. Warm Up Your Nights Add a heating lamp or portable fire bowl to keep your evenings cozy well into the fall. 3. Grow Your Own Produce Build or buy a raised garden box to grow tomatoes, cucumbers, lettuce, or other easy vegetables. Gardening is relaxing—and delicious! 4. DIY Bird Bath Make a pedestal bird bath using an old vase, a platter, and strong glue. You likely have everything you need already at home—and the local birds will thank you! For Big Yards If space isn’t an issue, the sky’s the limit! Here are some larger-scale projects to take your yard to the next level: 1. Build a Catio Yep, it’s a “cat patio”! Give your feline friends a safe way to enjoy the outdoors with a screened-in enclosure attached to your home. 2. Create a Permanent Fire Pit Use stones and a fire ring to build a beautiful, safe fire pit. You can even add airflow cutouts to reduce smoke—perfect for those marshmallow roasts! 3. Tile a Dining Area Install paving stones or tiles to define an outdoor dining space. Add a table, some string lights, and enjoy al fresco meals all summer long. Need More Inspiration? If none of these projects quite fit your vision, check out Home Depot’s DIY backyard ideas—complete with step-by-step instructions and material lists to help you bring your outdoor dreams to life. Soak It Up While It Lasts No matter the size of your space, there’s always something you can do to enhance your outdoor experience. So get out there, get creative, and make the most of these sunny summer days. See you back here in August—with more tips, tricks, and homeowner insights!
By James De Vuyst July 3, 2025
If you’re looking to do some home renovations but don’t have all the cash up front to pay for materials and contractors, here are a few ways to use mortgage financing to bring everything together. Existing Home Owners - Mortgage Refinance Probably the most straightforward solution, if you’re an existing homeowner, would be to access home equity through a mortgage refinance. Depending on the terms of your existing mortgage, a mid-term mortgage refinance might make good financial sense; there’s even a chance of lowering your overall cost of borrowing while adding the cost of the renovations to your mortgage. As your financial situation is unique, it never hurts to have the conversation, run the numbers, and look at your options. Let’s talk! If you're not in a huge rush, it might be worth waiting until your existing term is up for renewal. This is a great time to refinance as you won’t incur a penalty to break your existing mortgage. Now, regardless of when you refinance, mid-term or at renewal, you’re able to access up to 80% of the appraised value of your home, assuming you qualify for the increased mortgage amount. Home Equity Line of Credit Instead of talking with a bank about an unsecured line of credit, if you have significant home equity, a home equity line of credit (HELOC) could be a better option for you. An unsecured line of credit usually comes with a pretty high rate. In contrast, a HELOC uses your home as collateral, allowing the lender to give you considerably more favourable terms. There are several different ways to use a HELOC, so if you’d like to talk more about what this could look like for you, connect anytime! Buying a Property - Purchase Plus Improvements If you’re looking to purchase a property that could use some work, some lenders will allow you to add extra money to your mortgage to cover the cost of renovations. This is called a purchase plus improvements. The key thing to keep in mind is that the renovations must increase the value of the property. There is a process to follow and a lot of details to go over, but we can do this together. So if you’d like to discuss using your mortgage to cover the cost of renovating your home, please connect anytime!
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