Consumer Choice Award 2023–2027Mortgage strategy for people who already own the house.
You’ve built equity, investments and assets. Your mortgage strategy should work with them, not against them.
With access to a wide range of Canada’s leading mortgage lenders and 20+ years of experience, I help you compare the options, understand the differences and build a mortgage strategy that’s right for you.
Free — the lender pays me, not you. Takes about 2 minutes.
The questions I get asked now.
When I started in the mortgage business, many of my clients were buying their first homes. More than two decades later, the questions are different.
- Should I break my mortgage?
- Should I pay down debt or invest?
- Could my home equity be put to better use?
- Should I buy another property?
- How do I improve my monthly cash flow?
- How should my mortgage fit into retirement?
This is for you if you own your home, have equity, and are planning the next 10–20 years.
- 20+ years experience
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Rated 5.0 out of 5 across 59 Google reviews
- 40+ lenders compared
- 2023–2027 Consumer Choice Award
What can I help you accomplish?
Access My Equity
You’ve built equity in your home. Find out whether putting some of it to work could improve your financial position.
Explore My Home EquityConsolidate My Debt
Life got more expensive. If higher-cost debts and monthly payments have accumulated, your home equity may provide a better way to structure them.
Review My OptionsBuying My Next Home
Already own a home and thinking about your next move? Let's look at your existing mortgage, your equity, and the smartest way to structure what comes next.
Plan My Next MoveLower My Rate
Still locked into a higher mortgage rate? See whether making a change before renewal could save you money.
See If I Can Lower My RateMortgage coming up for renewal?
If there's more to the decision than simply choosing another rate, let's take a closer look.
Review My SituationA mortgage isn’t just a rate.
Two mortgages with the same rate can have very different costs. Penalties. Prepayment privileges. Portability. Restrictions. Refinancing options. Lender policies. The differences aren’t always obvious when you’re choosing a mortgage — but they can become very important later.
That’s why I don’t start by asking, “What’s the lowest rate?” I start by asking, “What’s the right mortgage strategy for you?”
Your bank knows its mortgages. I know the market.
When you speak with your bank, they can help you choose from the mortgage products available through their institution. My role is different. I can look across a wide range of lenders, compare the options available to you and help you understand the differences before you make a decision.
Sometimes that means changing lenders. Sometimes the mortgage you already have is the right place to stay. The objective isn’t to move your mortgage. It’s to make sure you’re making the right decision.
Strategy beats rate.
I don’t sell interest rates. I build mortgage strategies.
More lenders. More options. One person helping you make sense of them.
Instead of being limited to the products available from one financial institution, I can compare mortgage options from a wide range of Canada’s leading banks, credit unions and mortgage lenders.
But access to more options isn’t the real advantage. Knowing how to compare them is.
Access to 40+ of Canada’s leading banks, credit unions and mortgage lenders — including:
I’ve been doing this since 2004. But my job has changed.
I’ve grown alongside many of the people I work with. The questions above are the ones that come up now — and they’re rarely settled by a rate alone.
My own experience has changed how I look at mortgages too. I’m an entrepreneur, business owner and real estate investor who has started multiple companies and built a real estate portfolio of more than $6 million in assets right here in our local market. That gives me a different perspective on financing, leverage and cash flow.
Most people have someone managing their investments. Very few have anyone looking strategically at the debt side of the equation. I don’t see a mortgage as an isolated transaction. I see it as one part of your overall financial strategy.
Recognition & Reviews
Consumer Choice Award winner, four years running — voted by clients.
Read all 59 reviews on GoogleIt's my second time working with Mark on a mortgage and just like the first time, he and his team ensured the process was smooth. He provides solid advice and has proved to be a reliable partner though the home buying process.
Went through Mark as my mortgage broker, he was very easy to work with and gave exellent advise on how proced with my mortgage. He was well informed with today's housing market, and was available to talk whenever I had a question. I would have no problem recommending mark to anyone who is looking for a mortgage broker.
Mark has been key in helping us over the years. We have worked with Mark on the purchase of 2 previous homes and he has always done everything he could to make sure the process was as easy as possible for us. I have contacted him on multiple occasions for advice during mortgage renewals and he was always there to answer my questions without hesitation. I would highly recommend Mark to anyone that is looking for help with a mortgage!!
Specialized mortgage solutions
HOME EQUITY OPTIMIZER
Your home may be sitting on significant equity. Find out whether restructuring your mortgage could improve cash flow, eliminate expensive debt or put that equity to better use.
Get My Home Equity ReviewLOWER MORTGAGE RATE
Still locked into a high mortgage rate? Depending on your existing mortgage, the savings from moving to a lower rate can sometimes outweigh the cost of making the change.
See If Lowering My Rate Makes SenseBetter mortgage decisions start with better information.
You don’t have to figure this out yourself.
There are hundreds of mortgage options and plenty of places to find a rate. The harder part is knowing which option makes sense for you. Let’s look at where you are today, where you want to go and whether there’s a better mortgage strategy to get you there.
Consumer Choice Award 2023–2027 · Since 2004