I'm Andrew Houkayem. I shop your mortgage across banks, credit unions and alternative lenders, including the files the big banks turn away.
Your bank has one rate sheet and one rulebook. A broker sees many of them. The right lender depends on your income, the property and your timeline.
A pre-approval you can make offers on, a clear monthly number, and a plan for your down payment, including FHSA and RRSP Home Buyers' Plan withdrawals.
A renewal letter is an offer, not your only choice. I compare it against the market 120 days out, and structure equity take-outs and debt consolidation when they make sense.
Business owners, commissioned earners and people with new or variable income. I package the file so the underwriter sees the full picture the first time.
Rental purchases, 2–4 unit properties and growing portfolios. Rental income treatment varies a lot by lender, so choosing the right one sets how far you can scale.
One point of contact the whole way. You deal with me, and I deal with the lender, the lawyer and the appraiser.
15 minutes on your goals, income and timeline. You'll know right away whether I can help.
A short, specific checklist for your file. Upload securely. No guessing what the lender wants.
I compare rate, terms, prepayment privileges and penalties, then recommend one option with my reasons in writing.
I clear conditions with the underwriter and coordinate with your lawyer through closing day.
Four kids, a soccer ball, a tennis racquet and a piano. My calendar is full, and I've learned to be very good at keeping things moving.
That's how I run your file. Over $250 million funded, 100+ five-star Google reviews, and clients across Ottawa and Ontario who knew what was happening at every step.
By phone, video or in person.
For most residential mortgages, nothing. The lender pays my compensation. On some alternative or private files a fee applies. If yours is one of them, I tell you the amount in writing before you commit to anything.
Only with your consent, and only once. I use that single report to approach every lender your file needs, so you aren't hit with multiple inquiries.
A rate is one number. Prepayment privileges, penalty calculation and portability can cost more over the term than a small rate difference. I'll compare the full offer, and if your bank's deal is the best one, I'll tell you.
Often, yes. A bank decline usually means the file didn't fit that bank's rules. Other lenders have different rules. Tell me what happened on the call and I'll tell you plainly what's possible.
Book a 15-minute call. You'll leave with a clear answer on what you qualify for and what to do next. If the button doesn't open your email, write to andrew@hkmortgage.ca