Kitchener · Waterloo · Cambridge · London ON
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. So I stay in your corner, with a real plan for what comes after closing. 😉
No obligation. No pressure. Just a real conversation.
50+
LENDERS AT OUR DISPOSAL
Level 2
LICENSED AGENT - FSRA #13463
5★
GOOGLE REVIEWS
Providing
SERVICE ALL OVER ONTARIO
A LITTLE BIT ABOUT ME & WHY I CARE
Hi, I'm Tipper. 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, and the world was on lockdown, 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 in real estate, and well, mortgages caught my attention. 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 really explained what comes next, or how to make that mortgage actually work for you. 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.
WHAT I HELP WITH
Mortgage strategies for real life in Waterloo Region and beyond
Every situation is different. Together we 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.
Debt Conversion 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 Consolidation
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 we work together
A calm, clear four-step process
No pressure. No jargon. Just a guided, thoughtful experience from first conversation to funded mortgage and well beyond.
01
Book a free call
We talk about your goals, questions, and timeline so I can understand the full picture, not just the loan amount.
02
I do the homework
I review your documents, compare lenders across my network, and build options that align with your values and your numbers.
03
We review together
We walk through your options in plain language so you can make a confident, informed choice. Questions are welcome and expected.
04
Funded and supported
I coordinate with the lender, your realtor, and your lawyer. Then I stay in your corner long after closing day.
Client stories
What clients are saying
Real Google reviews from people who trusted me 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
Mortgage Renewal Shock in Ontario
If your renewal letter just landed and the new payment made you feel sick, this one is for you. ...more
Renewals
May 02, 2026•8 min read
WHERE I WORK
Serving Southern Ontario, with deep roots in Waterloo Region
I work with clients all across Ontario, with most of my families based in these communities. Mortgage rules and lender programs vary, and local knowledge matters.
Kitchener
Waterloo
Cambridge
London
All of Ontario
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 strategy that supports your life today and the dreams you have for tomorrow. The first conversation is free, friendly, and entirely no-pressure.
Request your free consultation
Share a few details and I’ll reach out to schedule a time that works for you.
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.
© 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