Your new journey deserves a masterful foundation.
Private, no rush mortgage guidance for people moving through life's transitions, whether that's a separation, a growing family, downsizing, or helping someone you love achieve their dream of home ownership.
Renewals or renos? I am here to help with that too.
A mortgage should feel personal.This is your home, your money and your future.
My job is to make the whole thing feel less like a transaction and more like a conversation with someone who genuinely has your back.
We talk like people
No jargon, no rushing, no script. You ask anything and I answer plainly, the same way I would for a friend sitting across my kitchen table.
You're more than a number
I take the time to understand your whole story, your goals, your worries and the life you're building, so the mortgage fits you, not the other way around.
I help you narrow down your best options
Through Mortgage Architects I have access to a national network of banks, monolines and private lenders. I lay out the pros and cons of each option in plain language, so you can choose with clarity and feel confident at every step.
Here for the long road
This isn't a one time transaction. I stay close through renewals, life changes and the next move, so you always have someone in your corner who already knows your file.
Things to Prepare
Before you begin.
A few essentials that help keep the process moving.
Keep your credit and finances steady
A score of 680 or higher opens the best rates, so keep balances low and avoid new credit applications, big purchases, or job changes mid-approval. Hold steady until your mortgage funds.
Gather your documents early
T4s, pay stubs, a letter of employment, proof of down payment, and ID may be requested. Having them ready speeds everything up.
Get pre-qualified first
A pre-qualification locks your rate for up to 120 days and estimates what you could afford. It is not an approval, so include a condition of financing in your offer.
Down payment and closing costs
Gifts from family are allowed with the right paperwork. From 5% on your first home to 20% on investment properties, this journey is possible. For closing costs please budget for land transfer tax, legal fees, appraisal, and title insurance.
Know Your Numbers
Everything you need, right here.
Calculators: monthly payments, closing costs, what your income can afford.
These estimates are for planning only, not an approval; I will confirm your real numbers once your documents are in and the file has been reviewed.
Mortgage Options
Choose your journey.
The secure application takes about ten minutes. Select the journey that fits and I'll review your file personally, usually the same day.
Purchasing a property
Pre-qualification, deposit strategy and a rate hold before you tour a single property.
Refinancing for growth
Release equity, consolidate, or fund the renovation without disturbing your cash flow.
Investment portfolio expansion
Rental, second and vacation properties structured for long-term holding.
Reverse mortgages
Access the equity in your home to support retirement, stay in the place you love, or help family get ahead.
A little about me
Brandie Maher
Mortgage Agent, Level 1 · Ontario
A new journey, guided with intention.
I'm Brandie Maher, a licensed Mortgage Agent, Level 1 in Ontario, Canada, practising under Team Borle at Mortgage Architects. I came to this profession because I am a single mom who faced the challenge of buying a home after my separation, after years as a stay-at-home parent. I truly understand what it is like to try and get a mortgage with the odds against you.
Before this, I spent 20 years in the Film and TV industry as an accountant, so I know how to read the numbers and keep a file precise under pressure.
Behind that personal service sits the full strength of Mortgage Architects, one of Canada's largest brokerage networks, and the seasoned underwriting experience of Team Borle.
Contact Me
Let's begin the conversation.
Email, book a meeting, or start your application now.
Client Reviews
In their own words.
I can't recommend Brandie at New Journey Mortgages enough! She is incredibly knowledgeable not only about mortgages, but finances as a whole, and truly goes above and beyond for her clients. What sets her apart is her genuine compassion and understanding, especially for women going through a separation. She has a unique ability to relate, support, and guide you through what can feel like an overwhelming time. Brandie took the time to speak with me about every aspect of my situation, not just financially, but also touching on legal and personal matters as well. If you're looking for someone who is both highly skilled and deeply caring, Brandie is the person you want in your corner.
Sam Butts
Google Review · 4 months ago
Professional. Accountable. Knowledgeable. Happy to rate highly, and recommend!
Jenni Clarkson
Google Review · 4 months ago
We had an amazing experience selling our home with Brandie. She was professional and you could tell how much she truly cared about our investment.
Kayla Reiner
Google Review · 4 months ago
Honest and fast. She helped us understand whether a bridge loan was the right move for us.
Bruno D.
Google Review
FAQs
Asked plainly.
This is dependent on each lender and the time of year. Getting your documents in and ensuring that they are what is needed is key. I prepare your file to lender standard the first time, so we avoid back and forth.
Yes. Many of my clients come to me mid-transition. With the right documentation and a clear picture of your income and obligations, a separation is a circumstance I work through regularly, not a barrier.
Self-employed applicants have strong options. I'll walk you through stated-income programs, the documentation lenders want to see, and how to position your file so your business structure works in your favour.
For most standard residential mortgages, my services are paid by the lender — not you. In rare cases involving private or alternative lending, any fees are discussed openly and agreed upon before anything moves forward.