Mortgages Made Simple
We’re not just Realtors — we’re also licensed Mortgage Agents.
That means we can help you buy, refinance, or renew your mortgage with the right loan, the best rate, and no guesswork.
Why Work With Us?
With 20+ years in real estate and mortgage financing, we understand both sides of the deal. That means less confusion, fewer delays, and more successful approvals.
- First-time buyers — we make it clear and stress-free
- Renewals — avoid costly mistakes or surprise terms
- Refinancing & equity take-outs — get the best value from your home
- Self-employed? No problem — we specialize in non-traditional income solutions
- Damaged credit? We create a personalized plan to help you qualify and purchase in the future
- B & Private Mortgages — for unique situations like lower credit scores, unverifiable income, or recent financial hurdles
Available in English or Spanish, based in Mississauga, and serving all of Southern Ontario.
Let's Talk
Call Virna at (416) 560-0710 or Contact Us Here
Want to Learn More?
We won’t overwhelm you — but here are a few key insights if you're curious:
Pre-Approvals
Lock in a rate and know what you can afford before shopping. It also strengthens your offer when buying.
Types of Mortgages
- Fixed – Stable payments and rates
- Variable/Adjustable – Rates can move with the market
- Open vs Closed – Flexibility vs lower rates
Down Payment
As little as 5% down may be possible with insured mortgages. We’ll explain what works best for you.
Creative Down Payment Strategies
Ask us how some buyers use RRSP loans under the Home Buyers’ Plan (HBP) to fund their entire down payment. If funds are in the RRSP for 90+ days before withdrawal, they can be used tax-free — even if originally borrowed. Just note: lenders must include both the RRSP loan payment and the HBP repayment in your debt servicing ratios.
Credit & Beacon Scores
A good credit score helps you qualify for better rates. While scores over 780 are excellent, lenders generally consider 650+ strong. Scores can go as high as 900.
Self-Employed?
We work with lenders who understand business income — even when it’s not straightforward or provable by traditional means.
Tools and Calculators
Use these if you like numbers — or just call us and we’ll explain everything:
- Mortgage Loan Calculator – Determine your monthly payment and amortization schedule.
- Land Transfer Tax Calculator – Estimate how much land transfer tax you'll pay.
- Affordability Estimator – See what you can afford based on your finances.
- CMHC Premium Calculator – Estimate mortgage insurance premiums for lower down payments.
Ready to Make a Move?
Whether you're buying your first home, refinancing, or just need clarity on your mortgage options — we're here to help.
Get expert advice without the pressure.