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Kelly Foote, BRX Mortgage

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Saint Catharines, ON
Kelly Foote, BRX Mortgage

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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 .

11/05/2026

Honest and easy to talk to. That's the part I care about most, because nobody should feel judged over money.

Thank you, Rachel, for taking the time to write this.

Thinking about buying, renewing or refinancing? Book a call with me today, link in bio.

11/04/2026

Got a rate change letter and not sure what it means for you? Lisa and I are hosting a free 20-minute webinar this Friday, November 6 at 12:30 pm ET.

We'll cover what the Bank of Canada did, what the big bank economists expect next, and how to decide whether to stay, lock in or switch. Prefer to talk about your own mortgage? We're booking one-on-ones too.

Save your spot: https://www.eventbrite.com/e/variable-rate-webinar-stay-lock-or-switch-tickets-2004371660593

11/04/2026

There are two doors to your home equity in retirement, and the right one depends on your life stage, not the headline rate.

I'm a Certified Reverse Mortgage specialist, so if this is you or your parents, let's talk it through with zero pressure.

Book a call, link in bio.

11/02/2026

The parent who pays support is the forgotten side of this conversation. Lenders count the child and spousal support you pay against you, so it comes straight off what you qualify for.

That doesn't mean you can't buy. It means planning for it before you fall for a listing, so you land in a place where your kids can stay with you.

Book a call at the link in bio and we'll run your real numbers.

11/01/2026

Taking a co-signer, a parent or an ex off your mortgage doesn't always mean a full refinance and a penalty.

Some lenders allow a covenant change or an assumption, as long as the person staying on qualifies alone. When it works, you can keep your rate and skip a lot of fees.

Every lender handles it differently, so ask before you break anything. Book a call at the link in bio and I'll check what yours allows.

10/31/2026

Happy Halloween from my house to yours. Tonight is for costumes and candy, not mortgages.

If you're out with little ones, stay safe and have fun.

If something's on your mind once the sugar rush wears off, send me a message anytime this week.

10/30/2026

You're allowed to interview your mortgage broker.

Here are the 5 questions that separate a specialist from a generalist, save this before your next call.

And if you want someone who lives in the complicated files (divorce, self-employed, past declines), that's exactly what I do.

Book a call, link in bio.

10/29/2026

With registered savings, how you split them matters as much as how much. A direct transfer between institutions, set out in your agreement or a court order, stays tax-free. Cashing out an RRSP to hand it over can send a chunk to the CRA.

If that money is meant for a down payment or a buyout, it needs to land where you expect. If a new home is part of the plan, talk to your lawyer and accountant first, then book a call with me at the link in bio.

10/28/2026

I know. You already sent pay stubs, T4s, two years of Notices of Assessment and a photo of your dog. And now I want one more page.

There's always a reason. Lenders want the whole picture lined up before they say yes, and the page I ask for today usually prevents a surprise at the end.

Getting ready to buy or refinance? Send me a message and I'll give you the full list up front.

10/27/2026

"We'll figure out the house later" is where separating couples lose the most money.

Done legally and done financially are two different finish lines.

The best time to bring in a divorce-lending specialist is while everything's still being decided, not after the ink dries.

I've walked this road personally and professionally. Reach out anytime.

Book a call, link in bio.

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

https://haickmortgages.ca/

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