A mortgage planner in your corner, not a queue at the branch.
From Toronto and Mississauga to Ottawa, Hamilton, and London, I help families across Ontario find the right mortgage at the right rate. Twenty-plus years of experience, access to 30+ lenders, and advice that costs you nothing.
The right advice is worth far more than a rate.
Most people only arrange a mortgage a handful of times in their life. I do it every day. That experience, built over more than twenty years serving homeowners from Toronto and the GTA to Ottawa, Kitchener, and Windsor, is the difference between signing whatever a single bank offers and choosing the option that actually fits your life.
When you work with me you're not one file in a branch queue. You get a dedicated planner who shops more than thirty lenders, negotiates on your behalf, explains every number in plain language, and stays with you through closing and every renewal after. And because I'm paid by the lender, all of that costs you nothing.
“My job isn't to sell you a mortgage. It's to make sure you walk away with the right one, and the peace of mind that comes with it.”
Six reasons clients stay for life.
30+ lenders, not one
Banks offer you their products. I shop the whole market — banks, credit unions, and specialty lenders — to find your best fit.
20+ years of experience
I've handled nearly every scenario, from first homes to complex refinances, across two decades in the Ontario market.
Advice at no cost
I'm compensated by the lender when your mortgage funds. My advice is always free, and always on your side.
Fast pre-approvals
Often within 24 hours. You get a firm number and a held rate so you can move the moment the right home appears.
Honest, unbiased guidance
The same advice I'd give my own family. No jargon, no pressure, no products you don't need.
A partner for life
From first call to closing and every renewal after, I'm one phone call away, whenever you need me.
Two ways to get a mortgage. Only one works for you.
- 30+ lenders shopped on your behalf
- Honest, unbiased, jargon-free advice
- Multiple tailored options to choose from
- Apply online, anytime, anywhere
- Always free and transparent
Always free. Always on your side.
Going Direct to a Bank
- In-branch appointments during business hours
- Complex language, limited product range
- Only 1 to 3 lender options
- A single mortgage option presented
- Potential hidden fees and added costs
More cost. Fewer choices.
I treat every client like my only client, and every home like it's my own.Tai Chau · Mortgage Planner
Simple from the first call
We talk
A quick, no-pressure conversation about your goals, your timeline, and your situation. No commitment, no cost.
I shop & negotiate
I take your file to 30+ lenders, compare every option, and negotiate the strongest rate and terms for you.
You sign with confidence
I walk you through the numbers in plain language and stay with you through closing and every renewal after.
Proudly serving homeowners across Ontario.
Whether you're buying in the heart of Toronto, refinancing in Mississauga, or renewing a mortgage in Ottawa, Hamilton, London, or Kitchener-Waterloo, I work with families and investors right across Ontario. Everything can be handled online, by phone, or in person, so distance is never a barrier to getting the right mortgage.
Don't see your city? I serve all of Ontario. Reach out and let's talk about your mortgage.
Let's find your right mortgage.
Wherever you are in Ontario, the first step is a simple conversation. Call for a free, no-pressure consultation, at no cost to you.