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Our services range from bad credit mortgages, real estate refinancing to private lending.

So if you’re looking for a home equity loan but can’t get approval from your bank, we are the people to speak to.

We strive to ensure that every deal we make is as empowering and effortless as possible.

To ensure a seamless, turnkey experience, our diverse team of experts work as part of an integrated platform to manage your investment from origination to discharge.

The key to providing a stress-free mortgage experience relies on our ability to communicate effectively. No one wants to be left wondering about the next step. 

This is why we take a team approach. 

We’re a small group of mortgage professionals who spend just as much time making sure our clients have a great experience as we do closing mortgages. 

While a bank only offers the products from their particular institution, licensed mortgage professionals send millions of dollars in mortgage business each year to Canada’s largest banks, credit unions, trust companies, and financial institutions; offering their clients more choice, and access to hundreds of mortgage products!

As a result, clients benefit from the trust, confidence, and security of knowing they are getting the best mortgage for their needs.
Whether you’re purchasing a home for the first time, taking out equity from your home for investment or pleasure, or your current mortgage is simply up for renewal, it’s important that you are making an educated buying decision with professional unbiased advice.


Investment Planning

When taking the plunge into the world of home loans and property investment, the challenge often lies in knowing which expert to approach for help. Mortgage brokers and financial planners, although similar in their professional outlook, cater to different financial endeavours.


Mortgage brokers are qualified and must be either licensed or appointed to act as loan advisers. We have in-depth knowledge of loans and options suitable for a range of different financial situations. We negotiate with lenders to arrange loans and help manage the process through to settlement.

When it comes to talking about a client’s debt structure or interest rates, or the best way to set up a loan, it’s really something that needs to be done by a mortgage broker who is qualified to give credit advice.

“Planners take care of more of the long-term, wealth-creation strategy, as well as super and life insurance, and other sorts of wealth protection insurances,” Ferguson says.

A financial planner’s work is wide-reaching and important to your long-term financial health and stability, options relating to loans and refinancing can only be recommended by a qualified broker authorised to do so.

There are some situations where it would be best to include both types of financial professional. For instance, if your broker is helping you refinance your loans in order to undertake a financial investment, a financial planner can step in to assess the best investment option for you.

“There is rarely a time when I am dealing with a client, just on the loan side of things, where I’m not thinking about how it fits with what the financial planner is talking about,” Ferguson explains.

“In terms of whether the client’s choice is a viable investment strategy or whether it fits in with their long-term wealth goals, that’s something that we absolutely have to refer back to the planner to make sure that it fits in with their broader plan.”

The answer? It depends on your situation – for loans, see a broker, for investment advice, a financial planner or property investment specialist if you want to invest in property. Of course, your broker can always refer you to a planner or investment property specialist if you need one.

First Time Buyers

There’s nothing like the excitement and anticipation of buying your first home – but it can also come with a lot of pressure as you step into the complex world of mortgages and financing. The good news is you don’t have to go through the process alone.

We can help you cut through the red tape and find the best rates and best mortgage options to help you buy your dream home.

Self Employed

Self-employment is an increasingly popular option in today’s workforce, and it certainly comes with a lot of benefits. But unfortunately, getting approved for a mortgage isn’t one of them.

Banks and mortgage lenders tend to view entrepreneurs, small business owners and freelance professionals as higher risk than traditional 9-to-5ers at established organizations. With variable income month to month, reduced taxable income, lack of tax records and stricter rules for how income is assessed, the odds can be stacked against you if you’re self-employed.

Does that mean you won’t ever be able to get a mortgage if you work for yourself? Absolutely not!

We are here to help you.

Home Equity /Renovations

Most people think of mortgages only when they’re preparing to buy a new home. But what many don’t know is that it’s also possible to use the equity you’ve built up in your existing mortgage to make improvements to the home you’re already in.

Extra money without the hassle of moving…sound too good to be true? It’s not. It’s called a home equity takeout, and if you’ve been paying down your mortgage for a year, two or more, you probably qualify for one.

Prepare Your Credit

We focus on several areas of finance including helping you repair your credit. For any individual, monthly credit card payments or other bills can add up quickly and lead to missed payments. This unfortunately leads to a low credit score which can affect your ability to purchase a new home. Our financial experts at want to help you repair your credit so you have the ability to feel financial freedom as well as purchase a new home, or perhaps refinance your existing mortgage. Whatever the case may be, we use our expertise to help you get on the right track financially.

Happy Couple

We are very happy to have contacted Shari Letsos. With her fast response and communication we were able to make our dream house a reality. She is honest, reliable and a lot of fun to work with. Thank you for your time, can't wait to do business again!


Ashley Lavallee

Done Deal

I would like to share my experience with Shari Letsos as my mortgage broker.

Shari’s knowledge of the market and her willingness to support her clients goes above and beyond. She is exemplary and stands by her clients. She is quick to reply to emails and will get answers to your questions in a timely manner. She will find you the best fit for your needs. Personally she is approachable, friendly, compassionate and sensitive to the frustrations of applying for a mortgage. In my personal opinion I don’t believe you could find anyone better to support your mortgage needs. 

Peggy Hare

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