Kristi Mutka, BBA

Senior Mortgage Broker

More than just passionate, I'm like mortgage broker 911. Twenty 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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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.

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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 is amazing! I found a home I really liked and wanted to quickly submit an offer; Kristi was very prompt, and got me a mortgage pre-approval within no time. I seriously would not have been ab...
    James S.
  • 11 years of service with Kristi, and every time I’ve needed her she’s executed a level of service well above and beyond my expectations. She always takes the time to understand my financial nee...
    David H
  • As a first-time home buyer, I had no idea where to start with getting a mortgage. Kristi took care of everything, explained it in easy-to-understand terms, and even gave me some extra pointers. I'...
  • Kristi was fantastic. She worked incredibly hard to find the best rate for me, and kept me in the loop every step of the way. When the lenders were more difficult than expected, she dealt with them...
    Ben J.
  • 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 S.

Our Trusted Lenders

  • ATB Financial
  • B2B Bank
  • Bridgewater
  • CMLS Financial
  • Equitable Trust
  • Home Trust
  • ICICI bank
  • Manulife Bank
  • MCAP
  • Merix
  • Meridian
  • Optimum
  • Prospera
  • RMG Mortgages
  • Scotiabank
  • Street Capital
  • TD Canada Trust
  • Valley First