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Your home, your mortgage, a straight answer.

Most homeowners don't need more information. They need someone to look at their situation and tell them what makes sense. That's what I do.

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When the next step isn't obvious

Maybe your home has built up equity, your debts have grown, or your renewal letter has arrived. Refinance, restructure, switch or stay put: each option comes with its own penalty, payment and trade-offs. It helps to have someone look at the whole picture with you.

Marlon Fernando

Someone who has seen it many times

I've been in mortgages since 2010, first in banking and as a mortgage broker since 2014. In that time I've seen many good families hesitate at this point, not for lack of information, but because it's hard to know which option fits.


How it works

  1. Start with a conversation about what you're hoping to do.
  2. I review your numbers and share my recommendation, with the options and trade-offs.
  3. If it makes sense for you, my team takes care of the application, the lender and the paperwork, and I stay involved through to closing.

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Why it's worth getting right

A mortgage decision stays with you for years. A penalty, a payment or how you use your equity can be hard to undo, so it's worth taking a proper look first.


Feeling settled about the decision

Whether it's debt under control, a renovation finished or the keys to your next home, the goal is the same: knowing you made a sound decision, and having someone to call when the next one comes up.


What clients say

More than 200 five-star Google reviews

Over 1,500 mortgages completed since 2014 for people who trusted me with the biggest transaction of their lives.

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Know where your home stands

Your home is likely your biggest asset, and its value keeps changing. Get a free monthly report on your home's value and your equity, so you can see your options before you need them.

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Mortgage advice across the GTA

I work with homeowners and buyers in Mississauga, Brampton, Oakville, Milton, Burlington, Hamilton and Etobicoke, and clients across Ontario.

Map of the Greater Toronto Area

Let's talk it through.

Book a call whenever it suits you. If now isn't the right time to make a move, I'll tell you that too.

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