The right mortgage for who you are.
Experience seamless mortgage solutions tailored to your needs. From refinancing to reverse mortgages, we make it simple.
Licensed Mortgage Broker · FSRA · Real Mortgage Associates · DLCG Group of Companies
The right mortgage for who you are
Every borrower arrives with a different story. Start with the one that sounds like yours.
Mortgage Refinance
“I'm sitting on home equity but I can't seem to access it.”
Unlock equity, consolidate high-interest debt, fund renovations or invest, without selling your home.
Learn more →Reverse Mortgage
“I want to stay in my home but I need access to my equity.”
Tax-free access to home equity with no required monthly mortgage payments, for homeowners 55+.
Learn more →Second Mortgage
“I need funds but I don't want to break my first mortgage.”
Tap home equity without disturbing your existing first mortgage or its rate.
Learn more →Line of Credit
“I want access to funds when I need them, not all at once.”
Revolving access to your equity, draw what you need, pay interest only on what you use.
Learn more →Home Purchase
“We found the place, now what's the smartest way to finance it?”
Pre-approval to keys for every kind of buyer, first home, move-up, downsize or investment.
Learn more →Commercial Mortgage
“My business is solid, I need financing that sees that.”
Office, multi-unit residential, retail and industrial financing for owners and investors.
Learn more →What could refinancing free up?
A quick, anonymous look at your equity, and what consolidating your debts could do to your monthly cash flow.
Illustrative rate of 4.00% over 30 years, subject to qualification. No credit check, no personal information required.
For illustration only, not a quote, rate offer or financial advice. Actual rate, amortization and approval depend on your full file and are subject to credit approval (OAC).
Buying? Run your numbers
Real Canadian mortgage math, semi-annual compounding and CMHC premiums included. See all five calculators →
For illustration only. Not an offer to lend or financial, legal or tax advice. Actual figures depend on lender, insurer and legal review. O.A.C.
Four steps from question to keys
30-Second Questionnaire
A few quick questions about your goals and situation, no credit check, no commitment.
Strategy Call
Talk through your goals with Rick's team and get a clear picture of your real options.
Compare Options
Your file is shopped across 70+ banks and lenders so the market competes for you.
Review, Sign & Close
We handle the documentation, coordinate with your lawyer, and get you to closing.
What clients say
Five-star rated, twenty-five years of files, and the reviews to show for it.
“Our bank turned us down and we thought that was the end of it. Rick found us an approval in under a week, at a better rate than the bank had quoted before saying no.”
“As a first-time buyer I had a hundred questions. Rick answered every single one without making me feel rushed, and the pre-approval made our offer stand out.”
“Self-employed for 12 years and every lender wanted paperwork I couldn't produce. Rick knew exactly which lender would understand my business. Approved.”
“We consolidated everything into one payment and freed up over $1,800 a month. I only wish we had called two years earlier.”
“The reverse mortgage let my mother stay in her home and cover her care. Rick walked the whole family through it patiently, twice.”
“Renewal time, and my bank's 'best offer' wasn't. Rick beat it by enough to pay for our vacation every year of the term.”
Today's best rate
*O.A.C. Rate shown is for a 5-year fixed insured mortgage and is subject to change without notice. Certain conditions apply. Rate may vary based on credit score, property type, loan-to-value ratio, and amortization period.
Straight answers
What does working with a mortgage broker cost?
Will you check my credit right away?
I was declined by my bank. Is it worth talking?
I'm self-employed. Can I still get a good rate?
How fast can a mortgage close?
Which areas do you serve?
Your next step starts with a conversation.
Free, confidential and no-obligation. Whether you're buying, renewing, refinancing or just curious, bring your questions and leave with a plan.