From traditional bank mortgages to complex alternative financing, we help Canadians secure the right mortgage — not just any mortgage.
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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