CONSULTATION TIME?!
Let's talk about your mortgage.
Book a free 30-minute consultation. No pressure, no jargon, just a real conversation about your goals.
What to expect on the call:
A relaxed, no pressure 30 minutes to talk through where you are and where you want to go.
1. We get to know your goals Whether you're buying your first home, renewing, refinancing, or self employed and not sure where to start, we begin with you. Not the numbers.
2. We look at the full picture Rate matters, but it's not the whole story. We'll talk about your cash flow, your timeline, and what actually fits your life.
3. You'll leave with clarity You'll know your options, your next steps, and what to expect. Even if you decide not to move forward with me.
4. Zero pressure, zero jargon This is a conversation, not a sales pitch. Ask me anything. There are no silly questions when it comes to your mortgage.
Prefer to chat first? Text me at (226) 270-7272
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
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.
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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