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Creative. Convenient. Professional.

What are you not receiving today?

It is very common to find pundits in the media talking about mortgage interest rates and how high or low they are.

But, things that you would not find so easily are:

  • Personalized Advice

  • Custom Solution or

  • Professional Service

At times, you would be left wondering if the product offered by your bank will solve your need or just theirs.  You might only realize that years later and by then the damage would be real.

You may struggle to receive regular updates from the bank you are dealing with, or they might reject your mortgage application at the last minute. 

Purchasing a home is hard enough and having to deal with such uncertainties can literally break your bank!

​That’s the reason an increasing number of Canadians are working with independent mortgage agents, like ourselves, for appropriate advice and personalized service. 
Here at Home'N'Mortgage, we go a few steps further than the banks and our fellow mortgage professionals, and offer:

  1. Our services to clients across the province of Ontario

  2. A unique end-2-end advisory only service for the DIY clients

  3. 100% digital experience from mortgage application to approval 

  4. Approval within 24 ~ 48 hours for last minute rejects from banks and other lenders/brokers 

  5. Sophisticated service offerings to address your special needs

  6. Convenient modes of communication and timely updates

Services to meet all your needs

Creative Financing

Consigliere Service (Advisory only)

Alternate Investments

Personal Income Tax Reduction (using Mortgage)

Reverse Mortgages

What our Clients say about Us

Neil was a pleasure to work with, he is knowledgeable, responsive and will do his best to get you the best deal.


Neil was great to work with.  He took the time to get to know me and create the plan to move things ahead.  In this climate, being able to utilize your equity properly
is key and working with Neil helps ensure I can get the best rate possible and also work with you step by step in the journey.  I highly suggest Neil to anyone and
looking forward to working with him for future deals in my investment journey.


Neil was very responsive and professional. I had gone through a few mortgage brokers and he was the only one able to get financing on this specific deal. Definitely recommend.


Our Story

With qualification in Engineering & Business Administration, nearly two decades of consulting and project management at Fortune 500 companies and buying several real estate properties along with way, Neil came to Canada and went through the home buying process.  Being new to the country, he engaged competent professionals to help along the way.  But as he increased his knowledge and experience with financing and real estate investments in Canada, Neil felt that if he were to go through the process again, he would have made a set of different choices.  He attributed this to him not receiving the most appropriate advice at the right time.  Talking with friends and colleagues, he recognized this significant gap in service, and it prompted him to start his own mortgage financing and investments business.  Till date, he has helped hundreds of clients get started on the right path and wants to help you make the RIGHT choice for yourself!

Let's get you started


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