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  • Tips for Buying Rental Investment Properties

    Jul 6, 2022

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    by

    Cognitive Capital
    in Real Estate

    Most people float the idea of investment property around at some point in their life, and the growing popularity of real estate buy-and-flip shows only makes the prospect more enticing. However, before taking out multiple mortgages or meeting with private lenders, it’s imperative to understand more about real estate investment. Now is a great time…

  • 5 Negotiation Secrets Smart Buyers Use to Get Better Deals

    Jun 22, 2022

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    by

    Cognitive Capital
    in Real Estate

    Being a buyer in today’s real estate market can be challenging. The market is very competitive right now, making the average buyer feel like it is impossible to secure a good deal. Luckily, some tricks can help you make an intelligent deal so you can achieve your dream of ownership. Most areas are experiencing what…

  • Bank Of Canada Rate Update June 1, 2022

    Jun 1, 2022

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    by

    Cognitive Capital
    in Mortgage

    Bank of Canada increases policy interest rate by 50 basis points, continues quantitative tightening The Bank of Canada today increased its target for the overnight rate to 1½%, with the Bank Rate at 1¾% and the deposit rate at 1½%. The Bank is also continuing its policy of quantitative tightening (QT). Inflation globally and in…

  • How a Mortgage Pre-Approval Can Protect You from Rising Rates

    May 26, 2022

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    by

    Cognitive Capital
    in Mortgage

    With interest rates rising, it’s important to lock in a lower rate as soon as possible. You can do this with the right home mortgage pre-approval. Find out how! Do you plan on searching for and buying a home in the coming months? With rising interest rates, you may decide to move forward with your…

  • Home-Buying 101: A Guide to Purchasing Your First Home

    Apr 20, 2022

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    by

    Cognitive Capital
    in Real Estate

    Home-Buying 101: A Guide to Purchasing Your First Home Buying a home involves a lot of complex steps, but by doing your homework ahead of time, you can boost your know-how and have more confidence in your decision. Like any other significant financial investment, purchasing your first home is an exciting but challenging task. You…

  • Bank Of Canada Rate Update April 13, 2022

    Apr 13, 2022

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    by

    Cognitive Capital
    in Mortgage

    Bank of Canada increases policy interest rate by 50 basis points, begins quantitative tightening The Bank of Canada today increased its target for the overnight rate to 1%, with the Bank Rate at 1¼% and the deposit rate at 1%. The Bank is also ending reinvestment and will begin quantitative tightening (QT), effective April 25.…

  • 5 Benefits of an Investment Property

    Apr 6, 2022

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    by

    Cognitive Capital
    in Real Estate

    5 Benefits of an Investment Property Building a strong real estate portfolio is a great way to create passive income now and a strong investment portfolio for later. If you are looking at building your investment portfolio, real estate can be a powerful tool that brings passive income and tax breaks to the table. However,…

  • Tips for Picking the Right Home to Flip

    Mar 16, 2022

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    by

    Cognitive Capital
    in Real Estate

    Guide to Choosing a House to Flip for Maximum Profit Not every property will make a promising flip. Here is everything you need to know to maximize your profits from the very start while minimizing the risk factors. House to flip, house flippers Flipping houses is a real estate investment that is majorly rewarding but…

  • How is a Private Mortgage Different Than a Traditional Bank Mortgage

    Mar 4, 2022

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    by

    Cognitive Capital
    in Mortgage

    Understanding the difference between private mortgages and traditional bank mortgages can help you make the best decision for financing a new home. Each option provides the money to secure real estate, however, they are structured and processed very differently. In general, private lenders are more flexible and responsive, although they may charge a higher interest…

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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.

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Haley Marcus profile picture
Haley Marcus
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The Cognitive Capital team was amazing and supportive throughout the entire process; highly recommend for first time home buyers as well.
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Courtney profile picture
Courtney
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⭐⭐⭐⭐⭐ As first-time homebuyers, my partner and I were incredibly nervous navigating the mortgage process. Thankfully, we were connected with Michelle from Cognitive Capital, and they made the entire experience absolutely seamless! From our initial consultation, Michelle and her team took the time to understand our needs and patiently explained all our options in a way that was easy to understand. They were always available to answer our questions (and we had a lot!) and kept us informed every step of the way. Michelle went above and beyond, negotiating a fantastic rate for us and handling all the paperwork with incredible efficiency. What could have been a stressful experience was actually enjoyable thanks to their expertise and dedication. We highly recommend Cognitive Capital!
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Mikayla Kuehn profile picture
Mikayla Kuehn
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Michelle and her team were excellent! As a first time home buyer, I relied on Michelle to answer many questions and help guide me in the process. She kindly answered everything and helped me understand each step. I was also able to get an incredible rate with Michelle and secure everything in a very timely matter. She literally MADE this happen and I couldn't have done it without her. Michelle's team is also amazing - they worked so quickly with high attention to detail and lots of care. I was very impressed with how smoothly this went. Working with Michelle and her team definitely made my first home purchase as stress-free as possible.
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Kip Maritim profile picture
Kip Maritim
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They are amazing team. They iron out my mortgage refinance wringles in a professional and timely manner.
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Donna D profile picture
Donna D
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Our experience with Michelle and her team was top level. We have always used banks in the past and this was our first experience with a mortgage broker. Michelle was confidently able to secure better terms then our longtime bank. We were impressed with her attention to details and more importantly, being always available to us. Michelle definitely has a way of getting things done and seeing it all through to the end. Consistently clear, honest and upfront. We are confident to say we would use Cognitive Capital in the future. Thanks Michelle and team.
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Sharon Hung profile picture
Sharon Hung
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If I could give 10 stars, I would… My partner and I reached out to Michelle when we were in a bind. We were working with another mortgage broker who had not secured us a mortgage and we were down to our last 12 hours of our conditional offer. We called Michelle and she dropped everything to prioritize us. She got us approved with an A lender within 5 hours… something our other mortgage broker could not do in 2 weeks. Not only did Michelle get us approved in record time, she also secured us a fantastic rate. I have yet to see anybody beat the rate that we got! What I truly appreciated was her ability to convey and breakdown information in a way that anyone can understand. Purchasing a home is a stressful process and Michelle did a fantastic job at making us feel confident in the decisions we made. Needless to say, Michelle is a true professional and a master of her craft. I highly recommend her if you are looking to get a mortgage, especially if you are new to this. Thank you again for your help, Michelle and team!
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Soraya Martins profile picture
Soraya Martins
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Michelle was insightful and friendly since our very first interaction. She is determined to ensure you get the best mortgage and provides ALL the information needed to make a decision. Thank you so much for all Michelle's and her teams help!
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Carla de Castro profile picture
Carla de Castro
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Very helpful and made resourceful. It's good to have a team who can go beyond traditional mortgages to get you into the property you want.
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JerryandGeeta Thomas profile picture
JerryandGeeta Thomas
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Lila Beijer is fantastic! We were in the process of renewing our mortgage and decided to reach out to a mortgage broker to see if the rate we received from our bank was a competitive one. We heard about Lila's services from someone in our neighbourhood and contacted her. She was incredibly responsive at all times, provided us with some great advice, and was patient as she explained various options. She also helped us negotiate a much better rate than what we received from other banking institutions and helped advocate on our behalf. I also appreciated her reaching out to us after the renewal was completed to check on how things were going.
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Sandi De Camargo profile picture
Sandi De Camargo
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Lila recently handled 2 mortgage renewals for us and we couldn’t be more impressed. Not only did she source the best rate and terms out there her dedication to customer service was impeccable. Every question or concern we had was addressed promptly and with a calm, professional demeanor. Her knowledge in mortgages and personal finances is astounding. I highly recommend Lila in getting the job done right.
Google rating score: 5.0 of 5, based on 214 reviews
 

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Michelle Farrugia
Mortgage Broker
License #M17002141

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85 Scarsdale Rd #107,
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(647) 799-2029