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I’m Arlene Hastick, a dedicated Mortgage Agent committed to helping individuals and families across Ontario secure the right mortgage solutions with confidence and ease. With access to 65+ lenders, I work on your behalf to compare options, negotiate competitive rates, and match you with a mortgage tailored to your unique financial goals.
Whether you’re a first-time homebuyer, refinancing your current mortgage, or looking for better flexibility and long-term savings, I provide clear guidance and personalized support every step of the way.
My mission is simple:
✔ Make your mortgage experience stress-free
✔ Present the best rates and options available
✔ Help you make informed decisions that benefit your future
With professionalism, honesty, and a client-first approach, I’m here to ensure you get the mortgage solution that’s right for you, not just the one that’s easiest to offer.
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Fill out our quick online form or call us at +1 647-478-7705 to apply over the phone. Your consultation is completely free, and there’s no credit check required to get started.
Our industry-leading, AI-powered mortgage technology instantly searches 65+ lenders and more than 7,000 mortgage products to find the most suitable options for your unique situation.
Once you choose your ideal mortgage, we take care of the rest. Our team gathers the necessary documents and prepares everything for a quick, seamless online signing so you can move forward with confidence.
Whether you’re buying a new home, interested in refinancing your mortgage, or your loan is up for renewal, we have a proven system for success. Here are a few of the features that make our approach work so well.
We pass along our volume discounts directly to you, ensuring you receive the most competitive mortgage rates available across Canada.
Get your mortgage approved faster with our advanced technology and streamlined process—saving you time and stress.
With access to 65+ lenders and thousands of products, we work hard to match you with the mortgage that fits your needs and budget perfectly.
Our goal is to help you keep more money in your pocket by securing the best rates and the smartest long-term financing solutions.
Our range of services is built to support every stage of your mortgage and property journey — whether you are buying your first home, investing in additional properties, consolidating debt, or planning renovations. We provide expert guidance, personalized plans, and innovative solutions to make your financial goals achievable with confidence and ease.
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Refinancing allows you to access the equity you've built in your home by taking out a new mortgage, usually up to 80–85% of available equity. This cash can help with major renovations, purchasing investment properties, or consolidating debt. When done with the right mortgage provider, refinancing can significantly strengthen your financial position.
An equity takeout mortgage allows you to withdraw the equity accumulated in your home. Equity is the difference between your home’s appraised value and the remaining mortgage amount. Homeowners can usually pull out 80–85% of available equity. These funds are ideal for large renovation projects, investments, or other financial needs.
Mortgage renewal is more than signing a new term — it’s an opportunity to renegotiate everything from your interest rate to your payment frequency, amortization, and prepayment options. Shopping for the best mortgage renewal rates in Canada can help you save significantly over the next term.
A second home mortgage allows you to finance an additional property such as a condo, vacation home, or waterfront property. The equity from your primary home can be used as a down payment. This is also a strong investment opportunity if you're looking to generate income or benefit from tax advantages.
Construction financing provides staged funding for building a new home or upgrading an existing one. Funds are released based on construction progress. If you already own land, you may qualify for an equity takeout advance. If not, the mortgage can include a lump sum to purchase land before building begins.
Newcomers often face challenges obtaining a mortgage due to limited employment history, income documentation, and lack of Canadian credit history. Regardless of PR or Work Permit status, many arrive without established credit. A knowledgeable mortgage broker helps navigate the system and find programs designed for newcomers.
Debt consolidation involves taking one loan to pay off multiple existing loans, often reducing interest rates and simplifying repayment. Integrating this into your mortgage makes managing payments easier and less stressful.
A Home Equity Line of Credit (HELOC) is secured against your home and provides a flexible revolving credit line. Use it for major expenses like education, healthcare, vacations, renovations, or consolidating higher-interest debt, often at lower interest rates.
Commercial mortgages differ from residential loans with stricter guidelines. They cover properties such as industrial, office, multi-residential, or retail. Key factors include business situation, down payment, debt service coverage, and credit history.
First-time home buyers benefit from guidance on down payments, government programs, pre-approval, and managing finances. This helps navigate the purchase process, reduce stress, and leverage first-time buyer benefits like tax rebates and incentives.
Co-own a property with an investment company like Ourboro. You and the partner share ownership, and you can sell or buy out their share anytime. Your contribution percentage reflects your equity and ownership in the home.
We are committed to providing personalized mortgage solutions, expert guidance, and reliable support at every step of your home ownership journey. With transparency, flexibility, and experience, we help you make informed decisions that align with your financial goals.
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Our knowledgeable mortgage specialists provide tailored advice to help you choose the best mortgage solutions for your needs.
We offer a variety of mortgage products and financing options that can be adapted to fit your unique circumstances.
We prioritize honesty and clarity in every interaction, ensuring you fully understand your options and decisions.
Our streamlined application and approval process saves you time, reducing stress while delivering results efficiently.
Read our blogs to stay informed about mortgages, home buying, investment strategies, and the latest financial tips to help you make smarter property decisions.
Our team is always available to answer your questions and guide you through every step of the mortgage and home-buying process.
We value your time — expect fast, efficient replies to inquiries, ensuring you stay on track with your plans.
Reach us via phone, email, or online chat. We’re here to provide support in the way that’s most convenient for you.
We’ve helped thousands of people across Canada save on their mortgages and improve their financial positions.
