Heart & Soul Mortgages

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Heart & Soul Mortgages Your go-to source for outside the box thinking, when it comes to mortgage financing and how you can really use it.

Because the truth is … just owning a house does not guarantee financial freedom or peace of mind😉💜😉

The ‘normal’ mortgage advice was written for the average situation. If yours isn’t average, the defaults deserve a secon...
10/14/2026

The ‘normal’ mortgage advice was written for the average situation. If yours isn’t average, the defaults deserve a second look. Which one surprised you most? 💜

10/02/2026

Instead of leading with “what’s your rate?”, Maybe try asking if the whole thing is really working for you 😉

Ten years ago I was a personal trainer.My whole job was helping people see potential they couldn't see in themselves yet...
09/22/2026

Ten years ago I was a personal trainer.

My whole job was helping people see potential they couldn't see in themselves yet. Someone would look in the mirror and see everything that was wrong. I'd look at the same person and see what they were about to become.

I do the exact same thing now. I just moved from bodies to balance sheets.

Most of the people I work with have already built a strong income and real equity in their home. On paper, they're doing everything right. But when we actually sit down and look together, that equity is almost always just sitting there. Not working. Not building anything. Just existing.

That's the part that gets me out of bed. Not selling a rate. Showing someone the potential that's been sitting in their own life the whole time, and building a plan to finally use it.

Same job. Different mirror.

What if the biggest debt you'll ever carry isn't just a bill... but one of the most underused wealth tools you already o...
09/21/2026

What if the biggest debt you'll ever carry isn't just a bill... but one of the most underused wealth tools you already own?

That's the question a few of us are digging into this Wednesday evening.

I'm hosting a small, private evening for homeowners here in the Tri-City. It's education-first, not a sales pitch. A financial planner, a real estate team, a life insurance specialist and I are each teaching the one thing we know best, all around a single idea: the difference between good debt and bad debt, and how the mortgage on your home could actually be working for you instead of just costing you for the next 25 years.

We kept it intentionally small so it stays real and you can actually ask questions. There are a couple of seats left.

If that sounds like your kind of evening, send me a message and I'll share the details. 💜

(This is general education, not personal financial advice.)

09/14/2026

The plot twist I never saw coming. I went from coaching bodies to coaching about mortgage financing.

From how to get one to how to optimize it 😉

Follow along if you’re ready for your mortgage to start carrying more weight.

Quick one for Ontario homeowners.If your mortgage came up for renewal tomorrow, would you feel ready? Or would you just ...
09/09/2026

Quick one for Ontario homeowners.

If your mortgage came up for renewal tomorrow, would you feel ready? Or would you just sign whatever the bank slid across the table?

No judgment either way. Most people sign, because it's easy and the bank makes very sure it's easy. Easy and best-for-you aren't always the same thing, though.

Tell me where you're at. Drop a 1 if you'd feel ready, or a 2 if you'd probably just sign.

A lot of Ontario homeowners are sitting on more money than they think. It's just tied up in the walls.Prices have climbe...
09/07/2026

A lot of Ontario homeowners are sitting on more money than they think. It's just tied up in the walls.

Prices have climbed a lot across most of the province over the past 10 years, so equity has quietly built up for people without them really clocking it. Most homeowners couldn't tell you how much they have, or what they're actually allowed to do with it.

Used well, that equity can help you clear debt, pay for a renovation, invest, or just give you a cushion so you sleep a little easier. Used carelessly, it can dig a hole. So this isn't a ‘run out and pull your equity’ post.

It's a ‘you should at least know your number and your options’ one.

If nobody's ever mapped that out with you, that's something I'm always glad to do. 😉

Some of my clients lower their voice before they ask me a question, like they're about to embarrass themselves.They neve...
09/05/2026

Some of my clients lower their voice before they ask me a question, like they're about to embarrass themselves.

They never do.

Nobody hands you a manual when you buy a house. The paperwork is thick, the words are strange, and everyone around you acts like they get it, so you nod along and hope for the best.

I've had engineers, government managers, people who run entire teams tell me they don't really understand their own mortgage. There's no shame in that. It's just something none of us were ever taught.

Making it make sense is the whole job. No jargon, and definitely no making you feel small for asking.

So ask me anything. My inbox is open, and so are the comments. 💜

A client told me last week that she'd been avoiding her mortgage for two years because she was scared of what she'd find...
09/02/2026

A client told me last week that she'd been avoiding her mortgage for two years because she was scared of what she'd find.

When we finally sat down and looked, her situation had more room in it than she'd feared. Nothing magic. Just options she didn't know were on the table.

The look on her face is the reason I do this.

So much of the stress around money isn't the numbers themselves. It's the not-knowing. The avoiding. The story we tell ourselves about how bad it must be.

You don't have to keep carrying that. Sometimes the scary thing gets a lot smaller the second you actually look at it.

If you've been putting off looking at your own, consider this your gentle nudge. 😉

People ask how I run a mortgage practice with two little kids at home. Honestly? Not always gracefully. 😅Some days the p...
08/28/2026

People ask how I run a mortgage practice with two little kids at home. Honestly? Not always gracefully. 😅

Some days the plan falls apart by nine in the morning. Someone's sick, someone refuses to nap, and I'm replying to a client from the floor of a playroom or hiding in the bathroom ha.

I used to think I had to hide that to be taken seriously. Not anymore. If anything, it's made me better at this. When a client is stressed and stretched and juggling a hundred things, I don't have to imagine it. I'm in the same boat.

Building something while raising them isn't the tidy version you see online. But it's real, and it's mine.

Address

Church St
Kitchener, ON

Opening Hours

Monday 10:30am - 5:30pm
Tuesday 10:30am - 9:30pm
Wednesday 10:30am - 9:30pm
Thursday 10:30am - 9:30pm
Friday 11am - 6pm

Telephone

+12267005077

Website

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