Hello
My name is Kristi!
Mortgage Broker & Home Financing Guide
Meet Kristi
“Mortgages are what I do.
People are why I do it.”
My approach is all about you, your needs, your goals, and your peace of mind.
I am well known for my creative, straightforward advice. My guidance goes well beyond mortgages to include insurance, smart debt strategies, and cash flow planning. I am also a certified ICF Life Coach, uniquely equipped to support you through life’s big decisions.
Whether you are a first-time buyer, renewing, refinancing, or facing major changes, I make sure you always have honest answers and a clear path forward. Integrity and open communication are central to how I work.
My commitment does not end when your mortgage funds. You can count on me for all your questions, now and in the future.
I am here for your first, next, and last mortgage.
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Mortgages for
where you are at.
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A pre-approval should go beyond the number. A number tells you what you can borrow. A personalized plan shows you what works best for your life, your goals and your budget, with your financing in place before you make an offer.
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First time? I want to help. Buying your first home comes with excitement, nerves and a million questions. My education-first approach walks you through every step, including programs like the FHSA, the Home Buyers’ Plan and the first-time buyer tax credit.
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Make your renewal a power move. It is not just a paperwork moment. It is your chance to ask, is my mortgage still working for me? I will compare lenders for you, and yes, you can switch even at renewal.
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A refinance should solve a problem, ease a burden or move you toward something better. Roll high-interest credit cards and lines of credit into one lower payment, fund a renovation or create more breathing room. Let us talk strategy and options, not just rates.
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Buying and selling at the same time does not have to keep you up at night. I build a clear, written plan for your move, covering bridge financing, your closing dates, the cost of carrying two homes and a backup plan if your home takes longer to sell.
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Let us build wealth with wisdom. An investment property is not just a mortgage. It is a long-term play. Whether it is your first rental or the next one in your portfolio, I will structure the financing around your goals, your cash flow and your comfort with risk.
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Let us make your dream feel grounded. Whether it is a lake view, a cabin in the woods or a second home in a favourite city, I will help you make it happen the smart way, with financing that fits your life and your long-term financial goals.
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Not every mortgage fits in a box, and neither do you. Big picture, long game, real strategy. My financial background becomes your secret weapon, with ideas like tax-deductible debt planning and teamwork with your accountant or financial planner.
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Your income may look different, but that does not mean you do not qualify. The system is built for someone with a T4 and a 9-to-5. I know how lenders read business income, and I will present your application so your true earning power is seen.
What my clients are saying.
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Lexi
★★★★★
I cannot thank Kristi enough for helping me with my very first mortgage!! As a first-time home buyer, it’s hard to even know where to start. Kristi walked me through each step of the process and made me feel supported throughout it all. Kristi took the time to find me the best mortgage for my situation and explained everything clearly and thoroughly. She quickly responded to all my questions and was available whenever I needed! She goes above and beyond expectations! I would highly recommend Kristi to any of my fellow first home owners who need that extra support and compassion!!! Thank you Kristi!
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Kyra
★★★★★
We have been using Kristi for awhile now and we won’t go to anybody else. She’s knowledgeable and so driven and works so hard for her clients. I highly recommend her!
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Monique
★★★★★
I cannot recommend Kristi highly enough! She made what could have been a stressful process feel manageable and even exciting. From start to finish, she was incredibly patient and understanding, always taking the time to answer my questions and ensure I felt confident every step of the way. Her passion for what she does truly shines through—she celebrated every milestone alongside me, which made the experience even more special.
On top of that, Kristi was super responsive and always just a message away whenever I needed her guidance. I felt supported and cared for throughout the entire journey. I would absolutely use her services again and wouldn’t hesitate to recommend her to anyone in need of a knowledgeable and compassionate mortgage broker. Thank you, Kristi, for making this dream a reality! -
Kimberly & Kory
★★★★★
Kristi has done a few mortgages for us over the past 8 years and after the very stressful situation with selling our house recently, we’d never go to anyone else! She has always been nothing short of amazing! Kristi is very professional, kind and knows mortgages inside and out. She takes the time to look at all options, explain them and then discusses which one would be best suited and why. She literally takes out all the guesswork. We had a rough go dealing with a real estate lawyer that was reading paperwork incorrectly and after one phone call from Kristi it was all straightened out. She was there at every bump in the road helping to sort out other people’s mistakes which kept my stress level manageable. If there was a 20 star rating that’s what I’d give her.
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Jody & Jeremy
★★★★★
Review coming soon.
My process
Start with a plan
A mortgage should work for your life, not just your loan application. It starts with understanding your goals and building a strategy that fits.
Get pre-approved
Know what you can afford before you start looking. A comprehensive pre-approval gives you confidence and an edge in negotiations.
Find the right mortgage
It is not just about the lowest rate. It is about the right lender, the right terms, and a mortgage that sets you up for long-term success.
Lock in & close with confidence
Everything from paperwork to approvals is handled, making the process smooth and stress-free.
Support beyond the mortgage
Your mortgage is just the beginning. As your needs change, there is always a strategy to help you stay ahead.
