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Kristi Mutka, BBA

Senior Mortgage Broker

More than just passionate, I'm like mortgage broker 911. Fourteen years closing the easy, and more importantly the difficult loans. I'll see a bump in the road way before most others.

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Our Trusted Lenders

  • Alterna
  • ATB Financial
  • B2B Bank
  • Bridgewater
  • Canadiana
  • CMLS Financial
  • Equitable Trust
  • First Ontario
  • Home Trust
  • ICICI bank
  • Industrial Alliance
  • ING
  • Manulife Bank
  • MCAP
  • Merix
  • Meridian
  • Optimum
  • Prospera
  • RMG Mortgages
  • Scotiabank
  • Street Capital
  • TD Canada Trust
  • Valley First
  • Vancity
  • Wealthline
  • Westminster Savings
  • XCEED
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We Know Mortgages

Mortgage Products and Services you can Trust.

  1. 1

    Ready to buy your first home?

    There are many things to think about when buying your first home. Professional mortgage advice is a great place to start.

  2. 2

    Mortgage Refinancing

    Get out of a high rate mortgage, or unlock some of your home equity for debt consolidation or other important need.

  3. 3

    Mortgage Renewals

    At renewal, you can renegotiate everything pertaining to your mortgage - with no penalties. It's also a great time to save money!

  4. 4

    Find out what you can afford

    Examine the financial implications of what may prove to be the most important financial decision of your lifetime.

View all Mortgage Services

Download My Mortgage Toolbox

Find out how much you can afford, estimate your mortgage payments and much more.

  1. 1

    Calculate your total cost of owning a home

  2. 2

    Estimate the minimum down payment you need

  3. 3

    Calculate Land transfer taxes and the available rebates

  4. 4

    Calculate the maximum loan you can borrow

  5. 5

    Stress test your mortgage

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Knowledgeable, Fast and Friendly Service

Fast pre-approvals

Speed matters. Which is why we help verify your pre-approval quickly.

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Total Transparency

I am a big fan of the phrase, “what you see is what you get.” No hidden fees, no hidden meanings.

About me

All of us together now

Our approach means we offer products and services designed to put our clients first. Always.

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Get the Mortgage You Deserve.

I am here to help you in fulfilling your homeownership dreams!

Happy Clients

  • Kristi was amazing. She worked so hard to find the perfect lender for me and she was successful. When I wanted to give up she kept me going and came through! Thank you Kristi!
    Karyn
  • Thanks again for every thing Kristi. I dealt with Kristi to renew my mortgage this year. She gave me fantastic customer service. I had been dealing with my bank for months getting the run aro...
    George Shami
  • Thanks for everything Kristi! I am thrilled by the extra money.
    Matt
  • Excellent service, great rates and attention to detail. You walked us through everything so there were no surprises at all. We're grateful that we found your services! Highly recommended for sure.
    Karen and Jeff
  • We wanted to get a mortgage through our bank but came across your website on the internet. Are we ever glad we did. We saved literally tens of thousands of dollars and the whole experience was a br...
    Dan and Cindy