Mortgages that make sense
Expert Mortgage Strategy.
Exclusive Lender Access.
Faster Approvals.
How can we help you?
Choose the service that suits you best
At Cognitive Capital, we don’t just secure mortgages—we craft intelligent
financing strategies that put you ahead. As one of Canada’s top 50 mortgage
brokers, we have access to almost every lending institution, giving our clients
exclusive advantages:
✅ Better Rates & Terms – Our industry reputation gets you preferential
pricing that others can’t access.
✅ Faster Approvals – We cut through red tape with direct lender
relationships for quicker turnarounds.
✅ More Approvals, Fewer Headaches – Complex files? We secure
exceptions where others hit roadblocks.
Whether you’re buying, refinancing, or investing, we make the mortgage
process effortless—so you can move forward with confidence.
A Smarter, Smoother Mortgage Process
We make getting a mortgage effortless with a strategic, step-by-step approach designed
for speed, clarity, and the best possible outcome.
1. Discovery Call
We start with a quick conversation to understand your financial situation and goals. This ensures we build the right mortgage strategy tailored to you.
2. Document Collection
You’ll provide key financial documents, and we’ll handle the rest—verifying details and positioning your application for success.
3. Strategic Underwriting
We analyze your options across our extensive lender network, securing the best rates, terms, and potential exceptions others can’t.
4. Approval & Mortgage Selection
With your approvals in hand, we help you confidently choose the mortgage that best fits your needs—ensuring long-term financial success.
Customer Reviews
I partner with mortgage lenders who share my beliefs that applying for a mortgage or financing should be fast, simple, and secure.
Luis Ortega
20-05-23
Michelle is such an incredible person to deal with! Her and her team are just wonderful. Michelle was very responsive and smart. She provided myself and my husband with solutions that would benefit us the most currently and for our future plans.
Jane Smith
22-06-23
Michelle is truly a pleasure to work with! Her team and she are simply outstanding. She was always quick to respond and highly intelligent. Both my husband and I were offered solutions by her that were optimal for our present and future goals.
Paul Do
01-08-22
Working with Michelle has been an amazing experience! She and her team are top-notch. Always attentive and sharp, Michelle gave my husband and me the best solutions for our immediate needs and long-term aspirations.