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Access to hundreds of mortgage products We work for you, not the bank Free in most cases Watch: why use a mortgage professional (1 min) ↗

WHY WORK WITH US

There are two ways to get a mortgage in Canada.

You can walk into a bank, or you can work with a licensed mortgage professional. The difference isn’t small. It’s the difference between one shelf of products and the whole market.

Your bank

Offers only its own mortgage products
You fit their criteria, or you don’t
Advice ends at their shelf

A licensed mortgage professional

Hundreds of products from major banks, credit unions and trust companies
Shops the market for the mortgage that fits you
Works in your best interest, from first consultation to signing

In most cases our service is free. Lenders pay us. Fees apply only in more challenging credit situations, and you’ll know up front.

When a professional matters most

01

Buying your first home

Down payment rules, insurance, pre-approval. We walk you through all of it, in plain language.

02

Unlocking home equity

Take equity out for investment or personal use, structured so it serves your bigger plan.

03

Renewing your mortgage

Don’t sign the renewal letter by default. Renewal is your chance to re-shop the whole market.

PLAN YOUR PAYMENT

See your payment now.

Home price$750,000
Down payment20% · $150,000
Interest rate (example)4.49%
Amortization

MONTHLY

$3,318

ACCELERATED BI-WEEKLY

$1,659

Estimate for planning only. Rates change daily and pricing depends on your situation, so confirm with our team.

THAT WAS STEP 1

Finish the picture in the free app.

Payment estimate: done here
2True affordability & closing costs: in the app
3Pre-qualification, no credit check: in the app

Step 1 of 3 complete.

Continue in the free app
QR code to download My Mortgage Toolbox

Or scan to get My Mortgage Toolbox, free on iPhone and Android. No signup needed to browse.

SERVICES

One office for the whole climb.

Mortgages

Purchase, renewal and refinance. The foundation everything else is built on.

Purchase

First home or next home, pre-approval to closing.

Renewal

Re-shop the market before you re-sign.

Refinance

Restructure, or put your equity to work.

Debt consolidation

Roll high-interest debt into one manageable payment and free up cashflow.

Investment & wealth planning

Point your freed-up cashflow at what’s next: investments, education, retirement.

Insurance & estate planning

Protect your income and your family, and make sure it all passes on as intended.

OUR PHILOSOPHY

A mortgage is step one, not the finish line.

Your mortgage and loans are the pillars that hold up everything else. Get them right, and every step gets easier to climb: cashflow, debt elimination, retirement, education, investments. That’s how we plan with every client.

The Stairs to Wealth: cashflow strategy, debt elimination, retirement planning, education savings, investments, supported by loans and mortgages

MEET THE TEAM

The people working for you. Not the bank.

Licensed, independent, and on your side of the table.

Carlos Lerma

Carlos Lerma

BSc, MSc, RLIS Mortgage Agent Level 2 FSRAO M16000735
Odette Barron Villegas

Odette Barron Villegas

BDes Mortgage Agent Level 1 FSRAO M22002414
in

FROM OUR FEED

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CONTACT

Start with a free intro call.

No pitch, no obligation. We’ll look at where you are, what you’re aiming for, and whether a mortgage professional can get you a better deal than your bank.

1.Book online in a few clicks, or call. Not ready? Just email us a question.
2.Pick a time that suits you and we’ll be in touch to confirm.
3.You leave with a clear next step, even if it’s “stay with your bank.”

HAVE A QUESTION?

Email us. We’ll get back to you.

Opens your email app with everything filled in. Your details stay with our team. Never sold, never spammed.