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Your Trusted Mortgage Broker
in St. Catharines

About

HaickMortgages.ca

Save Money with Kelly Haick: St. Catharines Mortgage Renewal & Refinance Expert
Tailored, In-Depth Mortgage Solutions:
Servicing St. Catharines, Niagara and Beyond

Navigating mortgages can be tricky, but using my FREE services as a mortgage broker in St. Catharines simplifies this journey. These experts tailor solutions, making complex terms and options easy to understand. Working alongside me, a mortgage broker in St. Catharines, securing the right mortgage becomes a clear path to owning your dream home, blending expertise with personalized guidance for financial stability and success.

Let's Talk Mortgages!

Kelly Haick Mortgage Agent, Level 2

Competitive

RATES

50+

LENDERS

FAST & EASY

PROCESS

LOAN TERMs up to

30 Years

Our Mortgage Services

The Self-Employed Mortgage Journey

Introduction

Securing a mortgage as a self-employed individual comes with a unique set of challenges and advantages. It’s a journey that requires more paperwork and scrutiny but also offers the flexibility and potential tax benefits that can make the dream of homeownership more attainable.

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Credit report on a smartphone with excellent score, suggesting credit repair for mortgages.

Embarking on the journey towards owning your dream home in Ontario can feel daunting. Especially if your credit score isn't where it needs to be. Yet, determination and the right strategies make transforming your credit health and securing that coveted home entirely achievable. I'm Kelly Haick of HaickMortgages.Ca. I'm here to guide you through advanced techniques to bolster your credit.

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Welcome mat with 'First Home' text indicating first-time home buyer mortgages. First Time Home Buyer Incentives

Embarking on the journey of buying your first home is an exciting milestone. It's a path to independence, an investment in your future, and for many, a dream come true. However, the process can seem daunting with so many factors to consider—from understanding mortgage basics and securing mortgage loan insurance to navigating through various first-time homebuyer incentives. This guide aims to simplify these components, offering you a clearer path towards homeownership.

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Professional writing 'INVESTORS' on a clear screen, symbolizing investment property mortgages.

  Grow your portfolio with our investment property mortgage options. Investment property mortgages are loans used to purchase properties that are not the borrower's primary residence. These properties are typically bought to generate rental income or for resale at a profit. Unlike traditional residential mortgages, investment property loans often have higher interest rates and require a larger down payment.

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New to Canada Explore Mortgage Options with Kelly Haik, BRX Mortgage

Welcome to Canada, where your dreams of homeownership are not just possible but encouraged. Embarking on a new-to-Canada mortgage journey in a new country can be daunting, but with the right guidance, it can become an exciting step towards establishing your life in Canada. This guide, tailored by Kelly Haick, is designed specifically for newcomers, offering step-by-step advice to navigate the Canadian mortgage landscape confidently.

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Mortgage renewal is an important financial decision, often overlooked in the hustle of daily life. As your mortgage term comes to an end, you face a pivotal choice: renew with your current lender or shop around for a better deal. As a mortgage renewal specialist, I emphasize the importance of this decision. Renewal offers a chance to reassess your mortgage needs and possibly secure more favorable terms.

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Magnifying glass over the word 'Mortgage Refinancing' on a document.

Refinancing a mortgage means replacing your current mortgage with a new one, often with different terms and a different interest rate. This process can offer various benefits, including lower monthly payments, shorter loan terms, or the ability to tap into home equity. The decision to refinance should be based on your financial situation, current mortgage rates, and long-term goals. It's essential to understand the refinancing process and how it can impact your finances.

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Vacation home deck with woman entering, related to second home mortgages.

Vacation and second home mortgages differ from primary residence mortgages in several ways. These loans often require a higher down payment (usually around 20-35%) and may have higher interest rates due to the increased risk associated with non-primary residences. However, they offer the opportunity to own a vacation home or invest in a second property.

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Wooden puzzle pieces spelling out 'HELOC' next to a calculator and cash on a blue background. Home Equity Line of Credit.

As your go-to mortgage broker in St. Catharines, I'm here to demystify the Home Equity Line of Credit for you. This versatile financial tool allows homeowners to borrow against the equity of their home. It's an incredible way to access funds, leveraging the difference between your home's value and your mortgage balance to support your various needs.

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Kelly Haick of BRX Mortgage smiling while holding a cup of coffee

What Is This VIP Club, Again?Instead of traditional advertising, every month we give away something fun to our VIP clients (past, present and future clients) and referral partners.There's no catch. I send out a bit of mortgage news and a contest each month! Join in on the fun!

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Why Choose Kelly vs. A Big Bank?

Expertise and Knowledge in Ontario’s Mortgage Market

When it comes to choosing between a bank and a mortgage broker, the difference is crucial. While bank employees may come and go, I offer a lifelong partnership, personally guiding you through every stage of your financial journey.

Unlike bankers who work for the bank and are often driven by sales targets and bonuses, I work for you. My goal is to keep more money in your pocket by finding the best mortgage solution for your needs—not the bank’s. With access to a wide range of mortgage options—from monolines and credit unions to private lenders and even the big banks—you’re never limited to the offerings of just one institution. My approach ensures that you’ll always find the best solution tailored to your needs.

Kelly Haick, BRX Mortgages

Bottom Line

Partnering with a seasoned Ontario mortgage broker like myself not only saves you time and money but ensures you receive dedicated, expert guidance every step of the way. My commitment to personalized service streamlines the mortgage process, making it more efficient and completely tailored to your unique needs.

Your Journey with Kelly!

Stress-Free Path to Homeownership At BRX Mortgage, we’re committed to turning your homeownership dreams into reality with a streamlined, stress-free process. Here’s how we do it:

Defining Your Vision Understanding Your Goals:

Your journey starts with us understanding your real estate dreams. Whether it’s buying your first home, upgrading, or investing, we take the time to listen and understand exactly what you want to achieve.

Crafting a Personalized Plan:

With your goals in mind, we meticulously craft a customized plan that aligns with your vision and sets you on the path to success.

Tailoring Your Mortgage Strategy Finding the Right Financing:

We believe financing should fit you like a glove. We dive deep into your financial situation to identify the best mortgage options available and design a bespoke plan that matches your unique needs and financial goals.

Navigating the Pre-Approval Process:

Once we’ve pinpointed the perfect mortgage solution, we guide you through the pre-approval process, ensuring you’re in a strong position to make an offer on your dream home. In most cases, you’ll have your pre-approval in hand within 24 hours.

Sealing the Deal Effortless Offer Submission:

When it’s time to make an offer, we handle all the details, making the process as seamless as possible. Our goal is to ensure you feel confident and supported as you move forward.

Digital Signing Made Easy:

We offer a seamless digital signing package, allowing you to review and sign all documents from the comfort of your own home—or wherever you may be. This convenience ensures you’re always in control, without the hassle.

Entering a Lifelong Partnership Continued Support:

Our relationship doesn’t end once you close on your home. We’re here for the long haul, providing ongoing support, advice, and assistance throughout your mortgage journey—and beyond.

Your Go-To Resource:

Whether you need help with mortgage renewals, refinancing, or just have a question, we’re just a call or email away. We’re committed to being your trusted partner in all things real estate.

How It Works

We take the complexity out of the mortgage process, turning it into an exciting—and easy—journey.

Book a Call or Apply Online

Start your journey with a discovery call where we’ll learn about your goals, or dive right in with our fast & easy online mortgage application.

We Find the Perfect Loan

Once we have your application and income documents securely in our portal, we work tirelessly to find the best mortgage solutions tailored to you. In most cases, you'll receive your pre-approval within 24 hours.

Celebrate Your Success

We keep you informed every step of the way, and before you know it, you’ll be celebrating a successful close on your new home. We've got your back from start to finish.

Download Our App

The Ultimate Mortgage Toolkit for Canadians

Unlock the full potential of your home-buying journey with our Canadian Mortgage App. It’s easy & accurate,  private & secure. This is the mortgage calculator of all mortgage calculators! 

Available for Apple IOS and Android phones.

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Question

How Much Does It Cost?

We champion your interests at no cost to you. Our extensive services, from initial consultations to finalizing your mortgage, are free – we’re paid by lenders, not you!

Love our service? Show your support with a Google review. We thrive on referrals, maintaining high quality at low costs.

Note: For complex credit solutions, a fee may apply, but we’re always transparent. Our goal is to make your mortgage journey smooth, affordable, and enjoyable!

Testimonials

What Our  Client's Say?

Author
Steve Burke 3 months ago

My spouse and I have spent time with Kelly's expertise over the last couple months as our mortgage renewal approached; we communicated through a few video calls, telephone calls and e-mail as Kelly took the time to explain several options, made recommendations and...

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M. Dietrich 4 months ago

I've been a client at my bank for decades, but with a looming mortgage renewal, I was feeling like nobody at the bank cared about my past loyalty. With interest rates almost doubling since our previous negotiations, I was feeling stressed.

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Sarah Hancox 4 months ago

Kellys expertise is absolutely invaluable when navigating your mortgage options. She does the leg work for you to make sure you're getting the best options.

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Chantal Cote 4 months ago

Kelly is the Best! She’s very organized, always around to answer any questions I have!!! Very friendly and makes me feel confident in my decisions. I’m so grateful Kelly was put in my path!! I will absolutely be using Kelly for all future mortgage transactions!!!

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Emily DeSantis 4 months ago

Kelly is top tier! Working with her sets you up for success. She is very informative and provides consistent communication. She's a pro!

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Kelly Haick, professional St. Catharines mortgage broker, smiling with a coffee cup

Kelly Haick

FSRA# M21002713

Matthew Haick

FSRA# M21002714
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