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Mortgage advice that starts with you.
No pressure. No complicated jargon. Just honest conversations and mortgage solutions built around your needs.
How I Can Help
Whether you're buying your first home or exploring your next move, there's more than one way I can help.
Buying a Home — First-time buyers, pre-approvals and your next purchase.
Renewing Your Mortgage — Explore your options before signing another term.
Refinancing — Review opportunities to access equity or consolidate debt.
Different Financial Situations — Self-employment, credit challenges and alternative lending options.
Good Questions. Straight Answers.
Good Questions. Straight Answers.
A little clarity goes a long way. Here's how I can help.
What exactly does a mortgage agent do?
What exactly does a mortgage agent do?
I help you understand your mortgage options, compare solutions from available lenders, and find an approach that fits your needs. I also guide you through the process, from our first conversation to closing.
Do I have to be buying a home to work with you?
Do I have to be buying a home to work with you?
Not at all! I can help with purchasing, renewing, refinancing, or simply reviewing your options before you make a decision.
Why work with a mortgage agent instead of going straight to my bank?
Why work with a mortgage agent instead of going straight to my bank?
A bank offers its own mortgage products. As a mortgage agent, I can explore options from multiple lenders, helping you compare what's available and find a solution that fits your needs.
Does it cost anything to speak with you?
Does it cost anything to speak with you?
Our initial conversation is free! For many residential mortgages, the lender pays the brokerage. Some mortgage solutions may involve fees, but I'll always explain any applicable costs upfront.
Do I need to have everything figured out before contacting you?
Do I need to have everything figured out before contacting you?
Not at all! You don't need to know exactly what you're looking for or have all your paperwork ready. We can start with a simple conversation about your situation and take it from there.
What if I don't qualify for a mortgage with a traditional bank?
What if I don't qualify for a mortgage with a traditional bank?
Not every mortgage situation fits into the same box. Depending on your circumstances, we can explore options through traditional banks, alternative lenders, and private lenders. My job is to help you understand what's available, including the rates, costs, and considerations, so you can make an informed decision.
Our Lending Partners
More lenders. More options. More possibilities.
Access to a variety of lenders means more opportunities to explore mortgage solutions that fit your needs. From traditional banks and credit unions to alternative lending options, there's more than one path to finding the right mortgage.
Sonja Ilic
Sonja Ilic
Mortgage Agent Level 1 | Referral Mortgages Inc.
Licence #M26001781
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