First home & move-up
Pre-approvals, insured and conventional mortgages, and down payment planning for first-time buyers.
Calculators
Run your numbers before we talk.
Three quick tools. Move the numbers and the results update as you type.
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Canadian mortgages compound semi-annually. Example rate only; your rate depends on your file and lender.
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Estimated maximum purchase price
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- Maximum mortgage
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Uses the federal stress test (the higher of your rate + 2% or 5.25%) and 39% / 44% debt-service limits over 25 years. A starting estimate, not an approval.
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Possible monthly difference
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- Total debt to consolidate
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- Payment if added to mortgage
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- Paying now
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Over 25 years. A longer term can mean more total interest, and breaking your mortgage may carry penalties and legal fees. Your full debt review shows both.
Meet Natalie
20 years in mortgages. Still here for the fresh starts.
Hi, I'm Natalie Gallé, and I've been in the mortgage industry for over 20 years.
I love helping clients with purchases and first-time home buying, but my true passion is helping people consolidate debt, reduce financial stress, and rebuild their credit so they can move forward with confidence.
After 11 years at TD, I started my own business so I could work with multiple lenders. That gives my clients more options, better solutions, and advice tailored to their situation.
Mortgages aren't just numbers to me. They're about creating stability, clarity, and a fresh financial start. If you're feeling stuck, overwhelmed, or unsure of your next step, you don't have to figure it out alone. I'm here to help you find a way forward.
— Natalie
How I help
Financing for every stage, including the complicated ones.
Renewals & switches
Don't sign the renewal letter blind. I shop your renewal across lenders before your term ends.
Rebuild your credit
A plan to strengthen your credit so you can move to better rates, often starting with a short-term alternative mortgage.
Debt consolidation
A line-by-line look at what you owe and whether rolling it into your mortgage lowers your monthly cost.
Business-for-self
Stated-income and bank-statement programs for owners whose tax returns don't show the full picture.
When the bank says no
Bruised credit, bridge financing, second mortgages and short-term private loans with a clear exit plan.
How it works
Four steps from first call to keys.
Book a call
A free 30-minute video call. You tell me your goals and your situation.
Apply
A secure application and a short document checklist made for your file.
Compare options
I go to the lenders and bring back options with rates, payments and conditions side by side.
Close with confidence
I stay with you through approval, conditions and closing, and check in before renewal.
5.0Google rating · 15 reviews
20+Years in mortgages
11Years at TD before going independent
$0Cost of your first call
Client reviews
5.0 stars on Google from 15 reviews.
Book with Natalie
30 minutes, on video, at a time that suits you.
Pick a time that works for you. You'll get a confirmation with your video link right away, plus a reminder before the call.
- Free, no obligation, no credit check to talk
- Have a rough idea of income, debts and property value
- Reply STOP to any text to opt out
Book online
Choose a time on my calendar.
See my open times and book your free 30-minute video call in under a minute. You'll get a confirmation right away with your video link.
Open booking calendarcalendly.com/natalie-galle-cleartrust/30min
FAQ
Common questions.
Does it cost anything to work with you?
For most bank and credit union mortgages, no. The lender pays me when your mortgage funds. Some alternative and private mortgages carry a broker or lender fee, and I'll show you every fee in writing before you commit.
Will talking to you affect my credit?
A first call doesn't need a credit check. When you apply, I'll pull your credit once and use that report to shop multiple lenders.
What does a Level 2 mortgage agent do differently?
A Level 2 agent can arrange mortgages with private and alternative lenders as well as banks and credit unions, which opens up options when your situation doesn't fit a bank's box.
Can I consolidate debt into my mortgage?
Often, if you have enough home equity. I'll compare your current payments with the consolidated payment, and show the total interest and any penalty for breaking your mortgage, so you can decide with the full picture.
I'm self-employed. Can I still qualify?
Yes. Many lenders have programs that use bank statements or stated income alongside your tax returns.