Mortgage Services

Let’s explore how your mortgage can create financial freedom, not just a monthly payment.

Partnering With BRX Heart & Soul Mortgages For Success

At Heart & Soul Mortgages, we don’t just find you a mortgage — I design a strategy that helps you pay less interest, increase cash flow, and build lasting generational wealth. As a licensed Level 2 Mortgage Agent with BRX Mortgage Inc., my mission is to help Ontario homeowners and professionals unlock the full potential of their mortgage, not just secure a rate.

Here's what I can help with and more:

Buying Your Next Home

First-time homebuyers
Upgrading or downsizing
Investment properties

Smart Refinancing Strategies

Debt consolidation
Equity take-outs
Lowering monthly payments

✨Wealth-Building Mortgage Strategies✨

Smith Manoeuvre (convert your mortgage interest into tax-deductible investment interest)
Cash Damming for rental properties
Debt swap & readvanceable mortgages

Specialized Financing Solutions

Self-employed income structuring
Private mortgage options
Unique & complex situations

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Get Pre-Approved in 30 Seconds Or Less!

Complete Your Purchase Application Now!

Explore Your Renewal or Refinance Options Today!

Why Work With Me?

Instead of just securing a rate. I go a little further. My clients are families, professionals, and business owners who want to keep more of their income working for them. By restructuring your mortgage and applying proven wealth strategies, I help you free up cash flow, reduce taxes, and create opportunities for long-term financial freedom. Your mortgage isn’t just debt — it’s a powerful wealth-building tool, if structured the right way.

Frequently Asked Questions

What is a pre-qualification?

A pre-qualification is when you provide generalized information to a lender or online calculator, without the information being confirmed, and receive an estimated max purchase price.

What is a pre-approval?

A pre-approval is when a qualified mortgage professional reviews the information provided, such as your mortgage application, income & down payment documents, along with verifying your credit bureau to provide you with a more accurate max purchase price.

What is an approval?

After you have an accepted offer to purchase your dream home, your Mortgage Broker will submit your information to a lender. Once the lender reviews & confirms all the information provided, they will provide you with a full approval.

How much do I need for a down payment?

If you're buying an owner-occupied property, you may be eligible to put as little as 5% down. Keep in mind that just because the minimum down payment is 5%, you still need to qualify for the total mortgage amount (based on your income & debts).

Many people don't realize that the rules change for a purchase price above $500,000. In this case, you will require 5% on the 1st $500K and 10% on the remainder (up to $1M). If you're purchasing a home for over $1M you will require a minimum of 20% down.

If you're purchasing a rental property you will require a minimum of 20% down.

What if I don't qualify for the home I want?

This is where your mortgage professional can help provide you options, such as adding a co-signer, increasing your down payment and/or paying off debts. A Mortgage Broker/Agent has access to multiple lenders, so even if don't fit certain lender guidelines, they can shop around to see if another lender may approve your application.

What is a co-signer?

A co-signer is typically added to your application when you don't qualify for a home on your own. We add their income and debts to your application, to see if it increases your overall approval numbers. When someone cosigns for you, they will be added to the title of the mortgage and mortgage documents. This new mortgage debt will also appear on their credit bureau, which can affect their future credit score & loan affordability.

What is a guarantor?

A guarantor is typically added to your mortgage application when you have poor credit repayment or little to no credit history. Sometimes lenders will request a guarantor when your application is slightly weaker than they would want to see to approve you on your own. In most cases, the mortgage will not show on the guarantor's credit bureau, but this can vary from lender to lender.

What is Default Insurance?

Most people refer to this as CMHC fees. That said, there are actually 3 companies that provide this insurance to Canadians, CMHC, Sagen and Canada Guaranty.

This insurance is mandatory for those who purchase a home with less than 20% down. Default insurance is then added to your mortgage and increases your overall mortgage amount.

Even though this is an added cost to buying a home, it's still a great way to get into the market when you don't have a 20% down payment. Default insurance is meant to protect your lender, in the event you stop making your mortgage payments & the lender has to foreclose on you.

What is the Smith Manoeuvre?

The Smith Manoeuvre is a Canadian wealth strategy that allows you to make your mortgage interest tax-deductible by gradually converting your mortgage into an investment loan. Instead of simply paying down your mortgage, this strategy helps you invest while you own your home — building wealth faster and keeping more money in your pocket at tax time.

How does Cash Damming work?

Cash Damming is a strategy designed for homeowners who have rental properties or are self-employed. It allows you to make your rental or business expenses tax-deductible by restructuring how cash flows between your income, expenses, and mortgage. Done properly, this approach can improve your cash flow, reduce non-deductible interest, and free up more funds for investing.y.

Are these strategies right for everyone?

Not necessarily. Both the Smith Manoeuvre and Cash Damming require careful planning, the right mortgage setup, and discipline to manage properly. They’re best suited for homeowners who have stable income, long-term goals, and want to maximize wealth-building opportunities. I provide personalized guidance to determine whether these strategies make sense for your situation.

Do I need a special type of mortgage to use these strategies?

Yes — typically, a readvanceable mortgage is needed. This type of mortgage has both a regular mortgage portion and a line of credit that grows as you pay down your principal. Not all lenders offer this, so working with a mortgage agent who understands these structures is key.