Stop Overpaying on Your Mortgage. Fix the structure, not just the rate.
A typical GTA renewal can leave $1,800 to $5,400 a year on the table if you only compare the rate. I help you review the structure, cash flow, and lender options before you sign.
Most people chase the lowest rate and miss what can cost more: how the mortgage is set up. I review that with you on a free call.
A 15-minute look at your structure, cash flow, and lender options. No obligation.
Wealth strategy
Custom Mortgage Plans
Rate comparisons are illustrative. Actual rates, approvals, and savings depend on lender criteria, your credit profile, and market conditions at time of application. This is not a commitment to lend. Subject to lender approval.
FSRA Licensed
#M22002086
Tango Ontario
FSRA 13691
Academic Excellence
MBA Finance
Process Specialist
Six Sigma Black Belt
Google Reviews
5-Star Rated Professional
Access to 50+ lenders including TD, RBC, Scotiabank, BMO, CIBC, First National, MCAP, Equitable Bank, Merix Financial, Home Trust, and 40+ more. Jenny shops the market so you don't have to.
Whatever stage you're at, stop overpaying.
Whether you're buying your first home, refinancing, or renewing, I build a strategy around your cash flow and long-term goals.
50+ five-star Google reviews across the GTA
First-Time Buyers
Navigate Canada's mortgage landscape with confidence. From down payment strategies to pre-approvals that actually hold weight.
Read the first-timer guide →Refinancing
Unlock equity, consolidate debt, or fund major renovations. We analyze the break-even point to ensure refinancing works for you.
See if refinancing pays off →Mortgage Renewals
Don't just auto-renew with your current bank. We'll shop the market to find better terms and lower rates that banks hide from existing clients.
Run my renewal numbers →Self-Employed & New to Canada
Specialized solutions for non-traditional income. We know which lenders look past the T4 to understand your true financial strength.
How lenders read self-employed income →What Jenny's Clients Are Saying
"Jenny is amazing and wonderful person. We had a hard time trying to get a mortgage. We found Jenny and she made our dream come true. We own a house! Thank you again Jenny!! We will always recommend you!"
Gianfranco Perciasepe
Google Reviews
"My husband and I had an amazing experience working with Jenny to secure the best mortgage rate. She was incredibly knowledgeable, patient, and dedicated to finding us the best deal. Jenny made the entire process smooth and stress-free."
Malvina Kozak
Google Reviews
"Honest to goodness, Jenny is the angel of mortgage brokers! She was beyond helpful, responsive and patient from start to finish! She genuinely cares about her clients and seeing them obtain their best options available. Very trustworthy and has your best interest at heart!"
Lisa Mahn
Google Reviews · Local Guide
Book your free mortgage review. See where you could save.
In a free 15-minute call, I'll review your rate, structure, and renewal options and show you where you could save. No obligation, no credit check.
Or call directly
647-642-7249Get Your Free Mortgage Review
Tell me about your situation, or ask any mortgage question. I reply within one business day.
Frequently Asked Questions
How much does a consultation cost? expand_more
Consultations with Jenny are 100% free of charge. In most cases, our fees are paid by the lender, meaning you get expert advisory services at no direct cost to you.
How is Jenny different from my bank? expand_more
Banks only offer their own products. Jenny has access to over 50 lenders across Canada, including major banks, credit unions, and private lenders, ensuring you get the most competitive product for your specific profile.
I'm self-employed. Can Jenny help me? expand_more
Absolutely. Jenny specializes in "stated income" and BFS (Business for Self) applications. We know exactly which lenders have the best programs for entrepreneurs and how to structure your application for success.
What documents do I need to get started? expand_more
Initially, we just need basic info. As we progress, we'll need proof of income (T4s/NOAs), identification, and details about your current assets or the property you're looking to purchase.
How long does the pre-approval process take? expand_more
Once we have all your documentation, we can typically secure a pre-approval within 24 to 48 hours, giving you the confidence to start house hunting immediately.
Can you help if I have a low credit score? expand_more
Yes. We work with alternative and private lenders who prioritize equity and overall financial health over just a credit score. We also provide guidance on how to improve your score for future renewals.
Run the Numbers Yourself, No Email Required
Three free calculators built for the situations Toronto and GTA homeowners actually face. No gate, no signup, results in 60 seconds.
Renewing in 2026?
Mortgage Renewal Calculator
Model your renewal payment at any rate, compare fixed vs variable, and see what shopping your renewal is worth on your specific balance.
Carrying high-interest debt?
Debt Consolidation Calculator
See what rolling credit-card and line-of-credit debt into your mortgage would do to your monthly cash flow and total interest cost.
Age 55+ exploring home equity?
Reverse Mortgage Calculator
Estimate how much equity you can access based on your age and home value, with honest numbers on rates and setup costs across CHIP, Equitable, and Bloom.