About Trevor

I'm a real estate investor first. I got into mortgages when I realized it's the single most important part of any deal, not just the rate, but the structure, the timing, the strategy.

Being on both sides taught me what matters: the emotions, the stress, what's actually at stake when you're on the line. I co-own a construction company that builds and develops purpose-built rentals here in Collingwood. I'm a Mortgage Agent across Ontario working out of Southern Georgian Bay.

That mix (investor, builder, mortgage agent) means I see your file the way all three would. Most agents see it one way.

The Approach

Strategy first, rate second. When people come in asking about rates, we usually end up talking about structure, timing, and what the next two deals look like. That's not because I'm dodging the rate question. It's because the rate doesn't matter if the structure is wrong.

I work with a lot of self-employed and business-owner files. These are the ones where bank underwriting gets in the way. The file is strong, but the bank doesn't see it. My job is to show them what's actually there.

The calculators on this site exist because I'd rather you understand the levers than take my word for it. Education before selling, every time.

What a Call Actually Is

Not a sales pitch. A conversation about your situation, what's possible, and what probably isn't, in plain language.

Sometimes the answer is “your current setup is solid, watch for X in 18 months.” Sometimes there's a real move on the table. Either way, you walk away with a clearer picture.

For the regulatory piece: I practise as a Mortgage Agent Level 2 under The Mortgage Coach, FSRA Brokerage Licence #13120. I'm not an independent mortgage practitioner, which means every file I work on runs through that brokerage's compliance and lender relationships. It's worth knowing.

Trevor is compensated by lenders and/or The Mortgage Coach for arranging mortgage financing. This compensation does not add to your cost.

You can verify Trevor's licensing at any time through FSRA's public licence registry.