ABOUT
Meet Your
Mortgage Advisor
I help Canadians across 9 provinces make smarter mortgage decisions with transparent advice, honest comparisons, and access to over 30 of Canada's top lenders.
30+
Lenders
9
Provinces Served
5/5
Google Rating
5-Star
Rated Agent
Senior Mortgage Advisor
Michelle Young
As a licensed Senior Mortgage Advisor with Homewise, I work with Canadians across nine provinces to find mortgage solutions that fit their unique situations. My approach is straightforward: understand your goals, compare the market, and present you with the best options -- clearly and honestly.
Unlike a bank advisor who can only offer their institution's products, I have access to over 30 of Canada's top lenders -- including major banks, credit unions, trust companies, monoline lenders, and alternative financing providers.
My service is free to you. I am compensated by the lender upon funding -- so you get expert advice at no cost.
My Commitment
What sets me apart
Working with an independent mortgage advisor means you get unbiased advice, broader market access, and a dedicated professional in your corner throughout the entire process.
Transparent & Unbiased
I am not employed by any bank. My only obligation is to you. I show every option available so you can make truly informed decisions without any lender bias.
Client-First, Always
Your financial goals drive every recommendation. I take the time to understand your full picture -- income, debts, lifestyle, and long-term plans -- before suggesting a solution.
Market Expertise
I stay ahead of Bank of Canada rate decisions, OSFI regulatory changes, and lender policy updates so you get advice based on today's market reality, not yesterday's.
End-to-End Support
My relationship does not end at closing. I review your mortgage at renewal, monitor rate opportunities, and am always available for questions throughout your term.
Your Advocate in the Mortgage Market
Why work with an independent advisor?
This means I can compare rates, terms, prepayment penalties, and mortgage features across the entire market to find what genuinely works best for you -- not what works best for a single bank's bottom line.
Whether you are buying your first home, refinancing to access equity, consolidating high-interest debt, exploring investment property financing, or navigating self-employed income documentation challenges, I handle the research, negotiation, lender communication, and paperwork so you can focus on what matters most.
I serve clients across Ontario, British Columbia, Alberta, Manitoba, Saskatchewan, New Brunswick, Nova Scotia, Prince Edward Island, and Newfoundland and Labrador -- bringing consistent, expert service no matter where you are in Canada.
The Process
How I work with you
Consultation
We start with a thorough conversation about your goals, finances, and timeline. No pressure, no commitment -- just honest guidance.
Research
I shop your mortgage across 30+ lenders, comparing rates, terms, penalties, and features to build a shortlist tailored to your situation.
Presentation
I present your options in plain language with a side-by-side comparison, explaining the pros, cons, and total cost of each.
Application
Once you choose, I handle the full application, document collection, lender communication, and any conditions that arise.
Closing
I coordinate with your lawyer, real estate agent, and lender to ensure a smooth closing. You get your keys stress-free.
Ongoing
I monitor your mortgage, reach out at renewal, and remain available anytime you have questions or need advice.
Licensing
Credentials & licensing
I am fully licensed and regulated by the Financial Services Regulatory Authority of Ontario (FSRA) and adhere to strict professional standards and continuing education requirements.
- Licensed Mortgage Agent Level 1 -- Ontario (FSRA #M19002504)
- Brokerage: Homewise Solutions Inc. (FSRA #12984)
- Member of Mortgage Professionals Canada (MPC)
- Completed accredited mortgage education through a recognized Canadian institution
- Ongoing continuing education and professional development
- E&O Insurance -- Errors and Omissions coverage for client protection
Looking to save big on your mortgage?
We've got you covered! Our team scours 30+ banks and lenders to find you the best rates and features.
Let me work for you
Book a free consultation and experience the difference of working with an independent mortgage advisor who puts your interests first. No obligation, no pressure -- just honest, expert advice.