MEET YOUR MORTGAGE AGENT
Hi, I'm Tipper
Licensed Mortgage Agent Level 2 serving Kitchener-Waterloo, Cambridge, London, and clients across Ontario. Mama of two, oldest of seven, and the person who actually wants to explain the fine print.
My story
From training bodies to building futures
Before mortgages, I was a personal trainer. I was finishing my kinesiology degree and going to women's homes to coach them through their workouts. Most of my clients were older women who just wanted someone in their corner. I loved that work.
Then 2020 happened. I was pregnant with my first, schools shut down, and no one was leaving the house. I tried personal training over video, but it was not the same. People kept telling me I would make a great real estate agent because I already ran my own business. But showing houses while pregnant with a newborn at home? That was not the season I was in.
So I asked myself a different question. What else in real estate could I do for my community without leaving my babies? That is how I found mortgage financing. Growing up as the oldest of seven, I watched my parents work through a mortgage without a real guide. I saw how much that one decision shaped our whole family. That kind of impact deserved better explanations.
I got my license in 2021. And honestly, I had imposter syndrome bad. I was the personal trainer in a room full of bankers and finance veterans. So while my babies napped, I studied. I learned everything I could about mortgage strategy, money management, and how wealthy families actually use their mortgages to build, not just survive. I wanted to be the person I wished my parents had access to.
Every time a client exhales because something finally makes sense, that is the moment I am here for.
That is still my why. And it is why I do this so differently than most.
Why I do this Differently
Three things I promise you
01
I sit with you
Your full picture matters. Your family, your goals, the stuff that keeps you up at night. I take time to understand all of it before I talk about rates.
02
Strategy, not just rates
Anyone can shop a rate. I help you understand how your mortgage fits your bigger picture, so it works for you instead of against you.
03
I am in your corner for life
As long as you have a mortgage, you can ask me anything. About your finances, your home, your life. If I do not have the answer, I know exactly who to ask to get it for you. I do not disappear after closing.
Licensed, regulated, and on your side
Heart & Soul Mortgages operates under BRX Mortgage, a fully regulated brokerage with access to major banks, credit unions, monoline lenders, and alternative options across Ontario.
Ready when you are
Buying your first home, renewing, refinancing, or just curious what is possible. I would love to hear what you are working on.
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
© 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