About Mortgages by Garvin
At Mortgages by Garvin, my mission is to make the mortgage process clear, strategic, and tailored to your goals. I combine local knowledge in Barrie and Simcoe County with province-wide access to Canada’s top lenders, including banks, credit unions, alternative, and private lenders.
Whether you’re buying your first home, investing in property, or restructuring your finances, I focus on lowering the true cost of borrowing — not just finding the lowest rate.
Services I Provide
- Purchases & First-Time Buyers: Pre-approvals, down payment planning (FHSA, RRSP HBP, TFSA), and insured solutions.
- Renewals: Reviewing options early, negotiating with lenders, and securing terms that match your current lifestyle.
- Refinances & Debt Consolidation: Restructuring high-interest debt into manageable payments and accessing equity.
- HELOCs (Home Equity Lines of Credit): Flexible borrowing solutions with interest-only payment options.
- Investment Properties: Navigating rental offset rules, down payment requirements, and strategies for long-term success.
- Self-Employed Clients: Programs that use bank statements, income averaging, and alternative approaches to reflect your real earning power.
What Makes Me Different
- Client-First Approach: I focus on your goals and tailor a plan specifically for your situation.
- Full Transparency: No hidden surprises — you’ll always know what’s happening with your file.
- Level 2 Advantage: I can work with all types of lenders, including private, giving you more options than a Level 1 agent.
- Long-Term Support: My relationship with clients doesn’t end at closing. I’ll help you plan for renewals, refinances, and future goals.
The Bottom Line
Your mortgage should be more than just a loan — it should be a financial tool that helps you build stability and achieve your goals. That’s the approach I bring to every client file.
