Mortgage Agent · Builder · Developer · Ontario
We help everyday people finance real estate differently.
Through creative financing strategies that most agents don't think to offer. Mortgage strategy is about more than just approval. It's about setting you up the right way from the start.
Why work with us
Anyone licensed can fund a mortgage. Few brokers sit down and walk through the strategy that fits the next ten years of your file, not just the next renewal.
Three seats, one operator
Mortgage Agent Level 2, licensed Ontario builder, real estate developer with rentals I still own. Most brokers can talk rates. Few can talk rates, build costs, and rental yields in the same conversation.
Strategy first, application last
We map what you own and what you're trying to build before we talk product. The honest answer sometimes is “do nothing for now,” and that's a valid outcome of a strategy call.
Education over pitching
Calculators on this site exist because we'd rather you understand the levers than take our word for any of it. The strategy plays only matter if you understand them well enough to live with them.
Files I've underwritten myself
Construction draws, alt-A and private lending, rental income qualification, the Investment Leverage Strategy, cash damming. These aren't talking points. They're structures running on my own balance sheet.
Self-employed and business-owner files
T1/T2 returns, BFS programs, alt-A bridging, draws vs salary, retained earnings, add-backs. The files banks decline because their underwriting was built for T4. I read these returns the way I read my own.
No pressure, ever
Compensation comes from lenders and the brokerage, not from you. The pace of every conversation is your pace. You'll never feel chased for a signature.
Who you'll work with
I work alongside Samantha so nothing falls through the cracks. I handle the strategy and the lender side; she handles the day-to-day so your file actually moves.
Trevor Hough
Mortgage Agent Level 2 · FSRA #13120
Real estate investor, licensed builder, and Mortgage Agent Level 2. Strategy, deal structure, and lender relationships. Files with moving parts (self-employed income, construction draws, leverage, refinances) are where he does his best work.
Samantha Walker
Mortgage Agent Level 1 · FSRA #13120
Born and raised in Southern Georgian Bay, with a background in automotive finance and construction project management. Samantha is your day-to-day point of contact, handling application coordination, document collection, and lender follow-up so things actually move.
The Calculators
The standard tools every borrower wants before a real conversation. Run the numbers, then let's talk about what they mean for your file.
Mortgage Payment
Estimate your monthly, bi-weekly, or accelerated payment with Canadian semi-annual compounding built in.
Open calculator →Affordability
Run the math the lender runs. Income, debt, down payment, and the federal stress test, all in one place.
Open calculator →Closing Costs
Ontario Land Transfer Tax, legal fees, title insurance, adjustments, and lender fees, all summed for your purchase.
Open calculator →All calculators are for educational illustration only and do not constitute financial advice. See full disclaimer.
Not sure where to start?
Run the Strategy Triage.
Eight diagnostic questions about your file. Ranked output across the four Canadian deductibility strategies (Investment Leverage, Cash Damming, Debt Swap, Cash-Out Refinance) with an approximate 10-year impact for each. About five minutes. The conversation gets a lot sharper once you know which strategies actually apply to your situation.
Run the Strategy Triage →Recently writing about
Plain-English deep dives on the strategies clients ask about most. The math, the trade-offs, and the parts most articles skip.
August 17, 2026· 8 min read
Did OSFI Change the Rules for Rental Property Mortgages in 2026? What the Regulator Actually Said
No. OSFI published a written clarification confirming lenders can keep using rental income to underwrite investors with multiple properties, and that Guideline B-20 qualification did not change. What did change is a bank capital classification rule. Why that distinction decides whether your problem is a qualification problem or a lender problem, plus what the spread between two lenders is actually worth on the same file.
Read the post →August 17, 2026· 8 min read
Ontario's HST Rebate on New Builds: Up to $130,000, and the Deadline That Actually Binds
A one-year window worth up to $130,000 on an eligible new build, open to move-up buyers, downsizers, and investors buying long-term residential rental, not just first-time buyers. The value tiers, why both halves are Ontario's own money rather than pending federal legislation, and why the agreement signature date between April 1 2026 and March 31 2027 is the only part you cannot get back.
Read the post →August 17, 2026· 8 min read
Mortgage Renewal in Canada: Switch, Stay, or Restructure (and How to Tell the Difference)
Renewal is the one moment you can change lenders, products, or the whole structure with a zero prepayment penalty, and most borrowers sign the first number they are shown. What the November 2024 straight-switch rule change actually opened up, the single word that can break the exemption, and why whether your charge is standard or collateral turns a switch into a five-figure decision or a five-hundred-dollar one.
Read the post →From the case files
Anonymized walk-throughs of real files. How a deal was structured, what the alternative path would have cost, the 5-to-15-year math. Strategist content, not marketing.
May 5, 2026
RefiThe Self-Employed Refinance the Bank Declined
A Southern Georgian Bay business owner walked in 60 days from renewal with a bank decline in hand. Same income, same property, same credit file. Three weeks later: approved at a monoline at a competitive rate. The lender was the problem, not the file.
Read the file →May 1, 2026
BuildThe Garden Suite That Almost Didn't Pencil
A Simcoe County family weighing a Bill 23 garden suite on conservative numbers. Three lenses (broker, builder, tax) on the same kitchen table at the same time. The file pencilled, but barely, and that was the right answer. Anonymized illustration.
Read the file →Where we work
Based in Southern Georgian Bay, funding deals Ontario-wide and Canada-wide where the file calls for it. Local knowledge in Simcoe County and Grey County, with lender relationships that cover the rest of the province.
When you're ready, let's talk it through.
The calculators give you the picture. A strategy call turns it into a plan. No pressure, just a conversation.
Book a Free Strategy Call