Kelly Foote, BRX Mortgage

Kelly Foote, BRX Mortgage Mortgage Broker - Helping good people find great mortgage solutions in Ontario. Specializing in divorce & self-employed clients. BRX Mortgage Inc., FSRA #13463.

FSRA # M21002713 | BRX Mortgage (Licence #13463). Let’s make your next move stress-free. 💼 www.haickmortgages.ca Kelly Foote (formerly Kelly Haick), Licensed Mortgage Broker with BRX Mortgage Inc., based in St. Catharines and serving clients across Ontario. We help with purchases, refinances, renewals, home equity lines of credit and reverse mortgages, with access to a wide lender network including banks, credit unions, monoline and alternative lenders. Specialties: mortgages during separation and divorce, self-employed and business-for-self clients, and complex refinances. Kelly holds the Certified Divorce Specialist (CDS) and Certified Canadian Reverse Mortgage Consultant (CCRMC) designations. Straight answers, a clear plan, and support at every step so you can decide with confidence. Kelly Foote, Mortgage Broker, FSRA .

09/10/2026

Some partnerships make sense on paper.

This one made sense in real life.

Lisa and I have very different strengths, very different experience, and very different parts of this business that we genuinely enjoy.

And I think that’s exactly why this works.

Neither of us needed to become better at everything. We needed to recognize what the other person already brought to the table.

So, Fusion Mortgage Group.

We’ve been quietly building this since June, and I’m really proud of what it’s becoming.

More support behind the scenes. More room to focus on what each of us does best. And ultimately, a better experience for the people who trust us with their mortgage decisions.

Turns out the right partnership can change a lot.

And yes, I still can’t quite believe she agreed to this.

If you want to know more about Fusion, send me a message.

One of my favourite things BRX does to give back to our community.Every month, someone gets a little help with one of th...
09/08/2026

One of my favourite things BRX does to give back to our community.

Every month, someone gets a little help with one of their biggest expenses: their mortgage or rent payment.

This month, that someone is Jason M.

Congratulations, Jason! $2,500 toward your mortgage or rent payment.

And a big thank you to everyone who continues to send people my way. A referral is never something I take lightly. When you trust me enough to introduce me to someone you care about, it means a lot.

Want to be entered into next month’s draw? Refer someone to me and have them book a call for any mortgage-related questions.

Good luck!

Thank-you M.Reviews like this make what I do so satisfying!
09/06/2026

Thank-you M.

Reviews like this make what I do so satisfying!

I added a few more letters after my name, but this one is really about being better prepared for the conversations I’m a...
09/04/2026

I added a few more letters after my name, but this one is really about being better prepared for the conversations I’m already having.

I’m now a Canadian Certified Reverse Mortgage Consultant (CCRMC).

For many Canadians, the mortgage conversation doesn’t end at retirement. It simply changes.

Sometimes it’s about staying in the home you love. Sometimes it’s about accessing equity without selling. Sometimes it’s helping aging parents understand their options. And sometimes it’s simply figuring out what makes the most sense for the next chapter.

Reverse mortgages can be a useful tool, but they’re not the right fit for everyone. Like any mortgage decision, they deserve a thoughtful conversation about the full picture, including the benefits, the costs, the alternatives and the long-term impact.

That’s why I pursued this certification.

Not because I want every client to choose a reverse mortgage, but because I want to be able to help people understand when it makes sense, when it doesn’t, and what other options may be worth considering.

More knowledge. Better conversations. Clearer decisions.

If you’re thinking about this for yourself or helping a parent navigate their options, I’m always happy to talk it through.

Bank of Canada held the policy rate at 2.25% today. Seventh hold in a row.What that actually means:Prime doesn't move, s...
09/02/2026

Bank of Canada held the policy rate at 2.25% today. Seventh hold in a row.

What that actually means:

Prime doesn't move, so variable-rate mortgages and lines of credit stay where they are for now
Fixed rates take their cues from the bond market, not this announcement, so they can still drift on their own
Inflation came in at 3% in July, and the trade situation with the US is the wildcard everyone is watching

Economists are split on what comes next. Some see a hold through year end, a couple of the big banks are calling for increases.

Translation: nothing changed today, but the picture is still moving.

Questions about how any of this lands on your situation? My inbox is open.

09/01/2026

The best partnerships are not about doing everything together.

They are about knowing exactly what each person does best.

Lisa brings 30+ years of mortgage experience, proven systems, and the kind of knowledge that only comes from decades in the industry.

Kelly brings the technology, automation, and systems that make the entire process move faster and more efficiently.

Different strengths. One practice.

And more time for both of us to focus on what actually matters: our clients.

That is what Fusion Mortgage Group was built around.

Experience where it matters. Technology where it helps. A personal relationship all the way through.

Fast, and still personal.

Fusion Mortgage Group
Licensed across Ontario.

08/30/2026

Most buyers are focused on the price of the home.

But sometimes, there’s something else worth asking about: the seller’s mortgage.

Some mortgages can be assumed, which means a qualified buyer may be able to take over the seller’s existing balance, terms and rate.

And if that rate was locked in a few years ago, the numbers could look very different than starting fresh with a new mortgage today.

It’s not available with every mortgage or every lender, and you still need to qualify and be approved.

But it’s a question worth asking before you assume your only option is a brand-new mortgage.

Buying a home? Send me the listing before you make an offer. I’ll help you look at the mortgage options and see if there’s an opportunity you might otherwise miss.

A lot of couples live for years assuming common-law means legally married-ish.With property, it really doesn't, and lear...
08/28/2026

A lot of couples live for years assuming common-law means legally married-ish.

With property, it really doesn't, and learning that during a breakup is brutal.

Knowing where you stand is power.

A $4,000 penalty sounds like a reason to stay put.Until you run the rest of the numbers.For these homeowners, breaking t...
08/26/2026

A $4,000 penalty sounds like a reason to stay put.

Until you run the rest of the numbers.

For these homeowners, breaking their mortgage early meant paying roughly $4,000 upfront. But after comparing the cost of staying with their current mortgage against a new strategy, they were projected to come out approximately $20,000 ahead over the remaining term.

That’s why I never look at the penalty in isolation.

Sometimes the more important question isn’t, “What will it cost me to break my mortgage?”

It’s, “What could it cost me if I don’t?”

Every mortgage is different. If you’re wondering whether breaking yours makes sense, send me a message and we can run the numbers.

08/24/2026

Your bank has one shelf. A broker can shop the whole store.

People ask me all the time, “Why use a mortgage broker instead of just going to my bank?”

I think the better question is: **How many lenders are available to say yes to your situation?**

At your bank, the answer is one.

One lender. One rule book. One set of guidelines.

As a broker, I can look at different lenders with different guidelines and different ways of looking at things like self-employed income, separations, tighter qualifications, or situations that simply don’t fit neatly into one box.

Same person. Same mortgage. Different lender. Potentially a very different outcome.

And in many cases, the lender pays my fee, not you.

So it’s not really broker versus bank.

It’s about knowing whether you’re looking at one option or a much bigger picture.

**Before you accept the first option you’re given, let’s make sure you know what else is available.**

Send me a message with your situation. I’ll help you understand which lenders may be a fit and what your next move could look like.

Address

8 Hiscott Street Unit 10
Saint Catharines, ON
L2R1C5

Opening Hours

Monday 9am - 9pm
Tuesday 9am - 9pm
Wednesday 9am - 9pm
Thursday 9am - 9pm
Friday 9am - 9pm

Telephone

+19053590777

Website

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