From traditional bank mortgages to complex alternative financing, we help Canadians secure the right mortgage — not just any mortgage.
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Rick is a mortgage professional focused on helping clients make smart, well-informed mortgage decisions in an increasingly complex lending environment. Rather than working for a single bank, Rick works on behalf of his clients, providing access to a wide range of lenders, products, and strategies.
✔ over 25 Years of experience in mortgage lending
✔ Focused on complex and non-traditional situations
✔ Dedicated to clear communication and fast responses
★★★★★ Rated 5 Stars on Google
“Amazing service. Helped me get approved when the banks said no. Very professional, fast, and honest.”
-Shane S.
“Excellent communication. Helped with a second mortgage and debt consolidation — couldn’t be happier.”
Lynda B.
“Very knowledgeable and helpful from start to finish. Made the entire mortgage process much easier.”
Domenic V.
Choosing the right mortgage isn’t just about today’s rate — it’s about structure, flexibility, and long-term cost. As an independent mortgage broker, we work for you, not the banks.We compare multiple A-lenders to find options that fit your goals, explain the fine print most borrowers never see, and guide you through the process with clarity and no pressure.Whether you’re purchasing, refinancing, or switching lenders, our role is simple: to help you make a confident, well-informed decision that works now and in the years ahead.
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Rick Bettencourt, Mortgage Broker Level 2,
FSRA License #M11002425
licensed with Chartered Finance, Brokerage #12791
#302 – 7300 Warden Ave, Markham, Ontario.
Helping Ontario homeowners access practical mortgage solutions with clarity and confidence.
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