Heart & Soul Mortgages • Kitchener–Waterloo
Your mortgage should work for you, not against you
Most mortgage agents get you the funds and wish you luck. I believe that moment of getting your mortgage is just the beginning, and I'm here to make sure you actually know what to do with it.
Tiphereth Straker · Licensed Mortgage Agent Level 2 · Lic. M21004493 · BRX Mortgage · FSRA #13463
No obligation, just honest guidance.
Trusted mortgage guidance built on care, clarity, and strategy.
5.0
Google Rating
50+
Lenders in your corner
Level 2
Licensed Agent • FSRA #13463
Wealth-Building
Mortgage strategies for the long term
About Heart & Soul Mortgages
Your future matters to me
Before mortgages, I was a personal trainer. My whole career was built around one thing: helping people show up for themselves, even when it felt hard.
When my oldest daughter was born, everything changed. I couldn't train clients in person anymore, but I knew I wasn't done helping people. A friend told me I'd be great working with mortgages. And when I started, something clicked.
I saw how stressed people were around money. I saw how many clients walked away from closing with a mortgage but no roadmap. Nobody explained what comes next, or how to make that mortgage actually work for them. That bothered me. So I went all in. I spent hours learning strategies most agents never touch, because I wanted to be the person I wished my clients had access to. Someone who doesn't just get you approved and disappear. That exhale of relief I hear when a client finally feels like they're not alone in this? That's why I do this. Every single time.
Why I do this differently
"Congrats on your mortgage. Good luck for the next 30 years." That's what most people get. I knew I could do better.
I don't just find you a rate. I sit with you, understand your whole picture: your family, your goals, your stress points. Then I build a strategy around your actual life. Because your mortgage shouldn't just be a debt you survive. It should be a tool that builds your future. I'm still that personal trainer at heart. I'm just helping you build financial strength now.
I'm still that personal trainer at heart. I'm just helping you build financial strength now. 💜
Meet Tiphereth
Hear how Heart & Soul Mortgages was created to bring more empathy, education, and strategy into the mortgage experience.
Services
Mortgage strategies built around real life
Every situation is different. Together, we’ll choose the products and strategies that match your season of life, your risk comfort, and your long-term goals.
Purchase Mortgages
From first homes to forever homes, I'll walk you through pre-approvals, rate options, and conditions so you can write offers with confidence.
Refinance & Renewal
Renewing or refinancing is a powerful moment to reset your strategy, access equity, lower payments, or shorten your amortization with intention.
Tax-Deductible Mortgage Strategy
Explore structures that may allow you to convert non-deductible interest into tax-deductible investment debt, with guidance from your tax professional.
Debt Conversion Strategy
Restructure high-interest consumer debt into a smarter, more manageable plan that aligns with your cash flow and future goals.
Self-Employed & Non-Traditional
Income doesn’t always fit neatly in a box. I work with lenders who understand entrepreneurs, contractors, and unique financial pictures.
Investor Mortgages
Scale your portfolio with a clear financing roadmap, from your first rental to multi-property strategies across lenders.
How it works
A calm, clear 4-step process
No pressure. No jargon. Just a guided, thoughtful experience from first conversation to funded mortgage and beyond.
Step 1
Book a Free Call
We talk about your goals, questions, and timeline so I can understand your full picture.
Step 2
I Do the Homework
I review documents, compare lenders, and build options that align with your values and numbers.
Step 3
We Review Together
We walk through your options in plain language so you can make a confident, informed choice.
Step 4
Funded & Supported
I coordinate with the lender, your realtor, and lawyer. I stay in your corner long after closing.
Client stories
What clients are saying
Real Google reviews from people who trusted Heart & Soul Mortgages with some of their biggest decisions.
"Working with Tiphereth was the best decision we ever made during our refinancing. She was incredibly knowledgeable, proactive and fought hard to get us the best deal. What looked like a daunting task at the beginning ended up being smooth and enjoyable experience thanks to her clear communication and expertise. We couldn't be happier and highly recommend her to anyone needing mortgage services."
— Daniel Matache • 5-star Google review
"Tiphereth is amazing! She was there for us every step of the way — always patient, responsive, and so helpful. Her videos made the process easy to understand, and you can tell she truly cares about helping her clients. She worked so hard to get us the best rate possible, and we're so grateful for everything she did. I couldn't recommend her more!"
— Ryan Kelly • 5-star Google review
"Was working with Tiphereth as my broker. The mortgage landscape is more difficult from years back but Tiphereth made it well worth it. She was extremely patient and definitely a pleasure to work with. I unreservedly recommend her!"
— Evelyn Machiri • 5-star Google review
"Working with Tiphereth was an exceptional experience! Her service is incredibly personable, and she truly works with your best interests at heart, going above and beyond to secure the best deals and rates. What sets her apart is how the process feels less like a transaction and more like building a relationship with someone genuinely invested in your success. Highly recommend her for anyone seeking a mortgage agent who prioritizes trust and care!"
— Kingsley Oguejiofor • 5-star Google review
“Tiphereth was great, even at the 11th hour when the lender (who was a big bank) couldn't seem to get their stuff together, she handled it and got us across the finish line so our house closed on time. Great communication, great customer service and great broker overall”
— Joe Wakeham • 5-star Google review
“Tipper is awesome. She took the time to know our entire situation and to find us the help we needed with our mortgage renewal... Highly recommend her.....”
— Bob Walker • 5-star Google review
Access to Canada’s leading lenders
I work with major banks, credit unions, and alternative lenders to match you with the right fit, not just the nearest option.
Ready to feel at peace with your mortgage?
Let’s design a mortgage strategy that supports your life today and your dreams for tomorrow.
Heart & Soul Mortgages
With Tiphereth Straker, Licensed Mortgage Agent Level 2, serving Kitchener–Waterloo and clients across Ontario.
Your story matters. Your mortgage should honour it.
Contact
Book a Call: Use the form below to request your free consultation.
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© 2026 BRX Heart & Soul Mortgages – All Rights Reserved. | Tiphereth Straker · Licensed Mortgage Agent Level 2 · Lic. M21004493 · BRX Mortgage · FSRA #13463 | Heart & Soul Mortgages is a trade name used by Tiphereth Straker, Licensed Mortgage Agent Level 2, operating under BRX Mortgage, FSRA #13463, a licensed mortgage brokerage in the Province of Ontario. This website is for informational purposes only and does not constitute a commitment to lend or extend credit. All applications are subject to lender approval and underwriting guidelines. | Privacy Policy