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!

APPLY NOW

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

Your Guide to Successfully Navigating the Housing Market

By James De Vuyst • December 4, 2025

Wondering If Now’s the Right Time to Buy a Home? Start With These Questions Instead. Whether you're looking to buy your first home, move into something bigger, downsize, or find that perfect place to retire, it’s normal to feel unsure—especially with all the noise in the news about the economy and the housing market. The truth is, even in the most stable times, predicting the “perfect” time to buy a home is incredibly hard. The market will always have its ups and downs, and the headlines will never give you the full story. So instead of trying to time the market, here’s a different approach: Focus on your personal readiness—because that’s what truly matters. Here are some key questions to reflect on that can help bring clarity: Would owning a home right now put me in a stronger financial position in the long run? Can I comfortably afford a mortgage while maintaining the lifestyle I want? Is my job or income stable enough to support a new home? Do I have enough saved for a down payment, closing costs, and a little buffer? How long do I plan to stay in the property? If I had to sell earlier than planned, would I be financially okay? Will buying a home now support my long-term goals? Am I ready because I want to buy, or because I feel pressure to act quickly? Am I hesitating because of market fears, or do I have legitimate concerns? These are personal questions, not market ones—and that’s the point. The economy might change tomorrow, but your answers today can guide you toward a decision that actually fits your life. Here’s How I Can Help Buying a home doesn’t have to be stressful when you have a plan and someone to guide you through it. If you want to explore your options, talk through your goals, or just get a better sense of what’s possible, I’m here to help. The best place to start? A mortgage pre-approval . It’s free, it doesn’t lock you into anything, and it gives you a clear picture of what you can afford—so you can move forward with confidence, whether that means buying now or waiting. You don’t have to figure this out alone. If you’re curious, let’s talk. Together, we can map out a homebuying plan that works for you.

Everything You Need to Know About Second Mortgages

By James De Vuyst • November 20, 2025

What Is a Second Mortgage, Really? (It’s Not What Most People Think) If you’ve heard the term “second mortgage” and assumed it refers to the next mortgage you take out after your first one ends, you’re not alone. It’s a common misconception—but the reality is a bit different. A second mortgage isn’t about the order of mortgages over time. It’s actually about the number of loans secured against a single property —at the same time. So, What Exactly Is a Second Mortgage? When you first buy a home, your mortgage is registered on the property in first position . This simply means your lender has the primary legal claim to your property if you ever sell it or default. A second mortgage is another loan that’s added on top of your existing mortgage. It’s registered in second position , meaning the lender only gets paid out after the first mortgage is settled. If you sell your home, any proceeds go toward paying off the first mortgage first, then the second one, and any remaining equity is yours. It’s important to note: You still keep your original mortgage and keep making payments on it —the second mortgage is an entirely separate agreement layered on top. Why Would Anyone Take Out a Second Mortgage? There are a few good reasons homeowners choose this route: You want to tap into your home equity without refinancing your existing mortgage. Your current mortgage has great terms (like a low interest rate), and breaking it would trigger hefty penalties. You need access to funds quickly , and a second mortgage is faster and more flexible than refinancing. One common use? Debt consolidation . If you’re juggling high-interest credit card or personal loan debt, a second mortgage can help reduce your overall interest costs and improve monthly cash flow. Is a Second Mortgage Right for You? A second mortgage can be a smart solution in the right situation—but it’s not always the best move. It depends on your current mortgage terms, your equity, and your financial goals. If you’re curious about how a second mortgage could work for your situation—or if you’re considering your options to improve cash flow or access equity—let’s talk. I’d be happy to walk you through it and help you explore the right path forward. Reach out anytime—we’ll figure it out together.

Divorce and Your Mortgage: What You Need to Know

By James De Vuyst • November 6, 2025

Going Through a Separation? Here’s What You Need to Know About Your Mortgage Separation or divorce can be one of life’s most stressful transitions—and when real estate is involved, the financial side of things can get complicated fast. If you and your partner own a home together, figuring out what happens next with your mortgage is a critical step in moving forward. Here’s what you need to know: You’re Still Responsible for Mortgage Payments Even if your relationship changes, your obligation to your mortgage lender doesn’t. If your name is on the mortgage, you’re fully responsible for making sure payments continue. Missed payments can lead to penalties, damage your credit, or even put your home at risk of foreclosure. If you relied on your partner to handle payments during the relationship, now is the time to take a proactive role. Contact your lender directly to confirm everything is on track. Breaking or Changing Your Mortgage Comes With Costs Dividing your finances might mean refinancing, removing someone from the title, or selling the home. All of these options come with potential legal fees, appraisal costs, and mortgage penalties—especially if you’re mid-term with a fixed-rate mortgage. Before making any decisions, speak with your lender to get a clear picture of the potential costs. This info can be helpful when finalizing your separation agreement. Legal Status Affects Financing If you're applying for a new mortgage after a separation, lenders will want to see official documentation—like a signed separation agreement or divorce decree. These documents help the lender assess any ongoing financial obligations like child or spousal support, which may impact your ability to qualify. No paperwork yet? Expect delays and added scrutiny in the mortgage process until everything is finalized. Qualifying on One Income Can Be Tougher Many couples qualify for mortgages based on combined income. After a separation, your borrowing power may decrease if you're now applying solo. This can affect your ability to buy a new home or stay in the one you currently own. A mortgage professional can help you reassess your financial picture and identify options that make sense for your situation—whether that means buying on your own, co-signing with a family member, or exploring government programs. Buying Out Your Partner? You May Have Extra Flexibility In cases where one person wants to stay in the home, lenders may offer special flexibility. Unlike traditional refinancing, which typically caps borrowing at 80% of the home’s value, a “spousal buyout” may allow you to access up to 95%—making it easier to compensate your former partner and retain the home. This option is especially useful for families looking to minimize disruption for children or maintain community ties. You Don’t Have to Figure It Out Alone Separation is never simple—but with the right support, you can move forward with clarity and confidence. Whether you’re keeping the home, selling, or starting fresh, working with a mortgage professional can help you understand your options and create a strategy that aligns with your new goals. Let’s talk through your situation and explore the best path forward. I’m here to help.

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