THE JOURNAL
No fear-mongering. No jargon dumps. Just the kinds of conversations I would have with you over a cup of tea, written down so you can come back to them whenever you need.
Every program that can help you buy your first home in Ontario, in one place: the FHSA, the RRSP Home Buyers' Plan, land transfer refunds, the new GST rebate, and down payment help, with a step-by-step checklist to follow.
With Tiphereth Straker, Licensed Mortgage Agent Level 2, serving Kitchener–Waterloo and clients across Ontario.
Your story matters. Your mortgage should honour it.
© 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