How We Help
Eleven situations. Two brokers. One standard.
Most mortgage conversations start with a rate. Ours start with your situation, because the structure around the rate is usually what costs or saves you the most. Find yours below.
Serving St. Catharines and the Niagara Region, Hamilton, Burlington, Oakville, Milton, Mississauga and the wider GTA.
Buying a home
First Time Homebuyer
Pre-approvals, FHSAs and down payments handled as one stack, with the RRSP Home Buyer’s Plan and the Land Transfer Tax rebate coordinated together.
Start here →New to Canada
The Newcomer Program with as little as 5% down, stated-credit pathways, and options for permanent residents and work permit holders.
See your options →Next Home / Moving
Moving up, downsizing or relocating. Bridge loans, porting your existing mortgage, and a clear number for what the next place can be.
Plan the move →Vacation & Second Homes
From Muskoka cottages to U.S. sunbelt properties, structured to protect the equity in your primary residence.
Explore second homes →You already have a mortgage
Renewals
Renewal is the one moment you can change how your mortgage is built without moving. Most letters get signed unchanged, for another five years. We start with what the next term actually needs.
Review your renewal →Refinancing
Consolidating debt, funding a renovation, or buying another property, structured to protect your cash flow rather than stretch it.
Put your equity to work →Home Equity Line of Credit
Turn built-up equity into a credit line you draw on only when you need it. Flexible, secured, and easy to misuse, we set it up with a plan attached.
See how a HELOC works →Reverse Mortgages
For homeowners 55 and older. Turn built-up equity into tax-free cash with no monthly payments, and stay in the home you love.
Understand the tradeoffs →When the standard rules do not fit
Self Employed
The tax strategy that saves you money in April should not stop you buying a home. We work from your true purchasing power, not just your T1 General.
See how it works →Investment Properties
From your first rental to your tenth. Structured to maximise cash flow and keep you qualifying for the next one.
Build the portfolio →Separation and Divorce
Led by a Certified Divorce Specialist mortgage broker, trained in the financial and tax mechanics of separation. Spousal buyouts and equalization payments, handled with discretion.
Get clear on your options →Not sure which one you are? That is a normal place to start, and a short conversation sorts it faster than any page will. Prefer to run your own numbers first? The Mortgage Corner has ten tools.
Book a call
Who you actually work with
Every service on this page is worked by both of us. There is no handover, no lead broker, and nobody gets assigned by geography.
Kelly Foote
Mortgage Broker · FSRA #M21002713
Certified Divorce Specialist · Certified Canadian Reverse Mortgage Consultant
Niagara born and built, and the systems side of how a file actually gets run.
Lisa Reynolds
Mortgage Broker · FSRA #M15000477
Certified Canadian Reverse Mortgage Consultant
30+ years in the industry, and the lender strategy behind the harder files.
Fusion Mortgage Group is a team of licensed mortgage brokers with BRX Mortgage Inc., Mortgage Brokerage #13463.