I LOVE Referrals – And I Love Saying Thank You!

Most of my business comes from amazing people like you spreading the word. As a thank-you for referring your friends and family, BRX Mortgages runs a Win Your Mortgage Payment draw every month!

Here’s how it works:
Every time you send someone my way who books a discovery call, you get one entry into the monthly draw.
If your name is picked, you can win up to $2,500 toward your mortgage or rent payment!
The only catch? Your name just needs to be on the lease or mortgage.

So, if you know someone who could use my help, send them over—and you might just score a free mortgage payment while you’re at it!

In most cases, working with me won’t cost you a dime—my services are covered by the mortgage lender, not by you. Pretty sweet, right?

That said, there are rare situations where a fee might apply, usually for unique cases that require alternative financing. If that ever comes up, you’ll know well in advance—no surprises, no hidden costs. I’ll always be upfront about it, both in writing and in conversation, so you can make the best decision with full transparency.

Mortgage agents and brokers work for you. Bank mortgage specialists? They work for the bank. Big difference.

As a mortgage broker with BRX Mortgage, my job is to find the best mortgage for your situation—not push a specific product. With access to lenders across Canada, I do the heavy lifting, comparing not just interest rates but also key mortgage features you might not have even considered. Then, I break it all down for you in a way that actually makes sense, so you can confidently choose what works best for you.

I’m available 7 days a week—even outside of those rigid “bank hours.” And when you need me, you actually get me. No call centers, no waiting on hold. Want to text? Go for it. Prefer email or an in-person chat? That works too.

Oh, and the best part? In most cases, my services are completely free because I’m paid by the lender—not you. So you get expert advice, a stress-free process, and the best mortgage solution, all at zero cost to you. Pretty awesome, right?

Pre-Qualified – This is a quick estimate of your maximum purchase price based on the info you provide. It may or may not include a credit check (your call!), but it doesn’t lock in your interest rate. That means if rates go up while you’re house hunting, you’ll be stuck with the higher rate.

Pre-Approved – This takes things a step further. You’ll provide all the necessary details for both me and the lender to assess your mortgage eligibility, and a full credit check is required. The big perk? You can lock in today’s interest rate, protecting you from potential increases. While a pre-approval isn’t a guarantee of final approval, it can be a game-changer—especially if rates are rising or if your financial situation is a little outside the box. Bonus: Some sellers take pre-approved buyers more seriously, which could give you an edge when making an offer!

Need help figuring out which one makes sense for you? Let’s chat!

The minimum down payment depends on the price of the home:

🏡 $500K and under → Minimum 5% of the purchase price

🏡 $500K – $1.5M → 5% on the first $500K + 10% on the amount above $500K

🏡 $1.5M+ → 20% of the total purchase price

The higher the price, the more you’ll need upfront—but don’t worry, I can help you navigate your options (including ways to boost your down payment if needed). Let’s chat and figure out the best path to homeownership for you!