THE JOURNAL

Honest reads on mortgages, money, and real life

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.

Mortgage Renewal Shock in Ontario

If your renewal letter just landed and the new payment made you feel sick, this one is for you.

Renewals

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

Email: [email protected]

Phone: (226) 270-7272

Location: Kitchener–Waterloo, Ontario

© 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