Senior Mortgage Broker and Real Estate Finance Strategist based in Toronto. With over 15 years of experience in the Canadian banking sector, James specializes in high-ratio mortgages, stress test navigation, and investment property financing.
James MacAllister is a licensed Mortgage Broker and former commercial lender with a deep understanding of the regulatory landscape defined by the OSFI and the Bank of Canada. Holding a B.Comm in Finance from the Rotman School of Management, he has spent the last decade helping clients navigate complex financing scenarios, from securing B-lender solutions to optimizing debt service ratios for multi-property portfolios. James is particularly renowned for his expertise in creative financing strategies for self-employed individuals and newcomers to Canada who lack standard credit history. He regularly contributes to industry publications regarding interest rate forecasting and the impact of federal policy on borrowing power. His approach is data-driven, ensuring clients understand the long-term cost implications of fixed versus variable rates beyond the monthly payment.