—Licensed & Independent
Mortgage Agent, Level 2
Independently owned franchise of Mortgage Alliance. No bank quotas, no in-house product to push — just the right fit for the file in front of me.
Moneyisn'tcomplicated.
Self-employed·Investors·New to Canada·Pre-qualifications·First-time buyers·Refinances·Renewals·Self-employed·Investors·New to Canada·Pre-qualifications·First-time buyers·Refinances·Renewals·
—Barrie-based, Ontario-wide
Local — but not limited.
I work face-to-face in Barrie and Simcoe County, and on the phone with files across Ontario. Same care either way.
—Published Author
Sick & Tired of Being Sick & Tired.
Twenty years in finance before I picked up a license. I wrote the book on the connection between personal and financial wellness — literally.
—About/ 03
A MORTGAGE IS
WHERE life HAPPENS.
Twenty years in finance before I picked up a license. I've read more T1s than I care to admit and I can spot a bad amortization schedule from across a coffee shop.
What I bring is the part most people don't get: the human read. A mortgage is a thirty-year decision dressed up as a transaction. I'd rather treat it like the thirty-year decision.
Smart people don't need to be talked down to. They need someone in the room who isn't paid on the size of their commitment.
—Work/ 04
All services→Mortgages without the spreadsheet shame.
/ 01
First-time buyers
Your first mortgage, demystified. Stacking the right down payment program, picking the right term, and not overpaying for advice you didn't ask for.
Down payment · Pre-qualification · First home
/ 02
Renewals
Most renewals are won or lost in a 30-day window. I review your file 90 days out and shop the market so the bank's first offer isn't your only offer.
Existing mortgage · 90-day window
/ 03
Refinances
Pulling equity, restructuring debt, funding a renovation, splitting after a separation. The math has to work — and so do the next ten years.
Equity · Debt consolidation · HELOC
/ 04
Self-employed
Stated income, dividend draws, T4A, incorporated, sole prop. The big banks make this hard. I have lenders who don't.
BFS · Stated income · Incorporated
/ 05
Investment properties
Rental income, debt-service ratios, portfolio strategy. Whether it's door #2 or door #20, the structure matters more than the rate.
Rental · Portfolio · BRRRR
/ 06
New to Canada
No Canadian credit history? Visa or PR? We have programs built for this — and a process that doesn't make you feel like a stranger.
Newcomer · Visa · PR
—From the press/ 05
Sick & Tired of being Sick & Tired.
The framework for understanding the intrinsic connection between personal and financial wellness. A short, plain-spoken book for anyone who's tired of being told money is too complicated to understand. Published 2024.
- Format
- Paperback · 184pp
- ISBN
- 978-1-7384-2206-5
- Reading time
- ~ 3.5 hours
—The receipts/ 06
Things people have said .
Steph treated our renewal like it actually mattered. We saved hundreds a month and I finally understood what I was signing.
We were self-employed and three banks said no. Steph said 'let me make a couple of calls' and we closed in three weeks.
First-time buyers. Zero clue what we were doing. She walked us through every line of the offer like a grown-up.
The book is the conversation I wish I'd had with someone twenty years ago. She put it on paper so the rest of us could catch up.
—Let's begin/ 07
Let's talk .
A short, no-pressure conversation. Tell me where you are, where you'd like to go, and what's stopping you. I'll tell you what I'd do if it were my file.
