Steve Beecroft Mortgage Agent

Steve Beecroft Mortgage Agent London based Mortgage Agent serving clients across Ontario. Practical advice and Honest guidance.

If buying a home ever feels like you’re being chased by a bear… you’re not alone.The difference is: you shouldn’t have t...
06/05/2026

If buying a home ever feels like you’re being chased by a bear… you’re not alone.

The difference is: you shouldn’t have to outrun the process. The goal is a clear plan, the right lender fit, and no surprises.

What part of the mortgage journey feels the most stressful right now: income docs, down payment, qualifying, or rate shopping?

(Always happy to walk you through options. Info only( not financial advice.))

Only 1 in 12 homeowners know their GDS.GDS (Gross Debt Service) is the % of your gross income that goes to housing costs...
06/03/2026

Only 1 in 12 homeowners know their GDS.

GDS (Gross Debt Service) is the % of your gross income that goes to housing costs.

Why it matters: banks look at your “housing math” before anything else.

Want me to estimate your GDS with your numbers?

Your mortgage approval isn’t just about the house, it’s about everything else you owe.TDS (Total Debt Service) looks at ...
06/01/2026

Your mortgage approval isn’t just about the house, it’s about everything else you owe.

TDS (Total Debt Service) looks at your housing costs + car loans + credit cards + other debts. Sometimes that “no” from the big banks is really about the other payments.

Want me to estimate your TDS before you apply?

Making high six figures but the bank treats your application like a hobby? It’s common for OnlyFans and Content creators...
05/29/2026

Making high six figures but the bank treats your application like a hobby? It’s common for OnlyFans and Content creators. You have the income and down payment, but traditional lenders see the industry and fluctuating revenue and walk away.

I see things differently. As a mortgage agent with 8Twelve Mortgage Co, I work with Alt-A, B, and Private lenders who care about your numbers, not your industry. We don’t judge; we focus on your financial goals.
You’ve worked hard; your mortgage should work as hard for you.

Your business is legitimate. Let’s find a lender that respects your hustle. DM me or hit the link in my bio to book a discovery call. No judgment, just results.

Steve Beecroft, Mortgage Agent Level 2
8Twelve Mortgage Corp. | Licence #13072

Could you use a $130,000 boost on your new build? 🏠💸 Buying a new home in Ontario is a huge milestone, but it’s also exp...
05/28/2026

Could you use a $130,000 boost on your new build? 🏠💸 Buying a new home in Ontario is a huge milestone, but it’s also expensive. Did you know you could be eligible for an HST rebate worth up to six figures? It’s one of those "hidden" benefits that can completely change the math on your closing costs or your next investment property. Don't leave money on the table: let’s see if your project qualifies. 📈 DM me "REBATE" and let’s chat! 💬 --- Steve Beecroft is a Mortgage Agent (Level 2) with 8Twelve Mortgage Corp. FSRA .

The 3-year fixed is the unsung hero.Planning to sell in 2–3 years? Or think rates may be lower by then? A short-term fix...
05/26/2026

The 3-year fixed is the unsung hero.

Planning to sell in 2–3 years? Or think rates may be lower by then? A short-term fixed can give you payment certainty now: without locking in for 5.

Want me to run the math for your renewal or purchase timeline?

Don't let your bank's "Renewal Storm" catch you off guard. Waiting for that renewal letter to hit your mailbox? That mig...
05/22/2026

Don't let your bank's "Renewal Storm" catch you off guard.

Waiting for that renewal letter to hit your mailbox? That might be your first mistake. Most banks send out renewal notices just weeks before your term ends. By then, you’re often rushed into a decision, and you might be missing out on much better rates or terms available elsewhere.

The secret? Start shopping 4 to 6 months early. This gives us the time to lock in a rate, review your financial goals, and make sure you aren't just taking the easiest path: but the smartest one.

Whether you're a first-time buyer or a seasoned investor, your mortgage should work for you, not the other way around. Let's get ahead of the curve and find the right solution for your next term.

Let’s get ahead of the storm together. Send me a message or visit the link in my bio to start the conversation!

Steve Beecroft, Mortgage Agent Level 2
8Twelve Mortgage Corp. | Licence #13072
Mortgages with Steve is a team operating under 8Twelve Mortgage.

New look, same mission. 🚀Welcome to the new era of Mortgages with Steve! I’m hitting the reset button on my socials to b...
05/21/2026

New look, same mission. 🚀

Welcome to the new era of Mortgages with Steve! I’m hitting the reset button on my socials to bring you a fresh, bold, and modern approach to home financing.

Whether you’re a first-time home buyer, a self-employed business owner, or a seasoned investor, the mortgage world can feel like a maze. My goal? To simplify the complex, cut through the noise, and help you find the perfect solution for your unique financial goals.

As a mortgage agent with 8Twelve, I’ve got direct access to over 65 lenders. That means more options, better rates, and a process designed around YOU: not the big banks. From discovery calls to final signatures, I’m here to guide you every step of the way.

Stay tuned for expert tips, market updates, and a look behind the scenes of how we make homeownership happen. I’m glad you’re here for the ride!

What’s one thing you’ve always wanted to know about mortgages? Drop a comment below! 👇

The Bank of Canada has reduced its key interest rate by 0.25% to 2.75% in response to escalating trade tensions and new ...
03/12/2025

The Bank of Canada has reduced its key interest rate by 0.25% to 2.75% in response to escalating trade tensions and new U.S. tariffs on Canadian exports. This move aims to support our economy during these strange and uncertain times. I am committed to helping you navigate these changes. Lower interest rates can present opportunities for homebuyers and those considering refinancing. Reach out to me to understand how this rate cut might benefit your mortgage plans and save you money!
Lets chat.

10/21/2023

Even with house prices still on the rise, there’s no reason to give up on your dream of home-ownership!

There are so many ways to get your foot in the housing market right now for as little as 5% down payment. Stop renting to pay someone else’s mortgage, and start building your own equity.

If you are looking purchase a property in Ontario - Contact me today to go over your options and learn some tips for affording a home of your own.

Address

London, ON
N6A5P6

Opening Hours

Monday 9am - 7pm
Tuesday 9am - 7pm
Wednesday 9am - 7pm
Thursday 9am - 7pm
Friday 9am - 7pm
Saturday 9am - 1pm

Telephone

+15195202154

Website

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