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.
Renewal & Switch
“I almost signed it at the kitchen table. In under a minute.”
That's how 1.15 million renewals go this year, signed, not shopped. However close your date is, there's room in that letter. See what yours isn't telling you.
Learn more →For Existing HomeownersMortgage 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 →For Property OwnersSecond Mortgage
“I need funds now, but my first mortgage rate is too good to break.”
A second sits behind your first, the low rate stays exactly where it is, and can fund in days, not weeks. See when a second beats a refinance, and when it doesn't.
Learn more →For Homeowners 55+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 →For Flexible BorrowersLine 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 →For BuyersHome 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 →For Business Owners & InvestorsCommercial 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 →For Investors & LandlordsMulti-Unit Residential
“I'm ready to scale past a single rental property.”
Duplexes to apartment buildings, including CMHC-insured multi-unit programs with preferred rates and terms.
Learn more →For Builders & RenovatorsConstruction Financing
“I want to build, but nobody hands you one big cheque.”
Staged-draw financing for custom builds, major renovations and builder projects, from land to completion.
Learn more →Rick Sekhon · Licensed Mortgage Broker · Real Mortgage Associates Inc. · FSRA Lic. #10464
The Refinance Worksheet
Add up what your debts cost you every month today, then see what one consolidated mortgage payment could look like instead. Two minutes, no credit check.
1 · Credit cards & lines of credit
Most clients pay about 3% of the balance each month, mostly interest.
2 · Your current mortgage(s)
Pick the closest match to what you owe and pay today.
3 · Other debts to pay out
Pick the type. Unsecured debts like credit cards estimate their own payment at 3% of the balance.
4 · Additional equity required
Taking out extra money beyond paying off debts? Add it here.
Before
What you're juggling today
$3,400/mo
Total monthly payments on $440,000 of debt
After
One mortgage. One payment.
$2,200/mo
One estimated monthly payment
Estimated monthly cash flow freed up
$1,200/mo
That's about $14,400 per year back in your budget.
What is the "Factor of 5"?
In Ontario, at typical rates between roughly 4% and 6% with a 30-year amortization, every $1,000 of mortgage works out to about $5 per month. So a $500,000 mortgage is roughly $2,500/month. It's a quick, honest rule of thumb for comparing scenarios. Your exact payment depends on your rate, amortization, and approval, which we confirm together.
Want the real numbers for your situation?
This worksheet is a starting point. I'll run your exact rate, amortization, and lender options. No cost, no obligation.
Four steps from question to keys
Reach Out
Book a call online or phone directly, 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.
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.