From traditional bank mortgages to complex alternative financing, we help Canadians secure the right mortgage — not just any mortgage.
February 2–6, 2026
• A-side fixed rates remain stable this week, with no major movement from prime lenders.
• B-side lenders continue to price conservatively, especially on variable products.
• Private capital remains active, with strong demand for short-term and bridge financing.
• This remains a solid window for refinancing, consolidation, and exit planning.
• File structure, equity, and exit strategy remain the biggest drivers of pricing.
👉 Rates and availability can change quickly. Click the rate card to review your options.
Mortgage decisions are too important to rush. Our job is to give you clear options, honest guidance, and a plan that makes sense long-term.
We explain your options in plain language so you can make decisions confidently
We work with a wide range of lenders to find the right fit — not just the easiest approval
We help you understand terms, penalties, and real costs so you’re not surprised later
No pressure, no confusion — just a structured approach from start to finish
60 seconds. Direct ownership. Deal-by-deal approval.
Most people don’t need more “mortgage advice” — they need someone to translate the options, spot the risks, and explain what actually matters. In this short video, I break down how a broker helps you compare lenders, avoid costly mistakes, and move forward with confidence.
• Understand your options (bank and non-bank)
• Avoid common approval and renewal mistakes
• Get a plan that fits your goals — not a sales pitch
Short, practical guides to help you understand your options, avoid mistakes, and make confident decisions — whether you work with us or not.
Learn how B-lenders and private lenders work, who they’re for, and what to watch for before you commit
Understand how reverse mortgages work, what you can use them for, and the pros/cons compared to refinancing
If you’re behind on payments, timing matters. See the options available before things escalate further
Whether you’re buying, refinancing, renewing, or navigating something unexpected — the right plan makes everything easier.
Help choosing the right mortgage structure, not just the lowest rate — with clear expectations from day one
Review your current mortgage, identify better terms, and explore smarter options based on your goals
If a bank says no, you’re self-employed, credit is bruised, or timing matters — we can still help
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.
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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