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  • How to Know if it’s Time to Refinance

    Nov 3, 2021

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    by

    Cognitive Capital
    in Mortgage

    According to mortgage advisors, mortgage refinancing is one of the ways to make and save money from your home loan. When done right mortgage refinancing benefits homeowners in several ways, including reduced monthly payments and better mortgage rates True to fact, refinancing helps to save money. However, it needs to be done for the right…

  • Bank Of Canada Rate Update Oct 27, 2021

    Oct 27, 2021

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    by

    Cognitive Capital
    in Mortgage

    Bank of Canada maintains policy rate and forward guidance, ends quantitative easing The Bank of Canada today held its target for the overnight rate at the effective lower bound of ¼ percent, with the Bank Rate at ½ percent and the deposit rate at ¼ percent. The Bank’s extraordinary forward guidance on the path for…

  • Five Great Benefits of Owning an Investment Property

    Oct 20, 2021

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    by

    Cognitive Capital
    in Real Estate

    Maybe you have considered investing in real estate but aren’t sure if it’s the right move for you. There are several benefits to an investment property, from the pride of ownership to the monetary boons and financial security. Choosing the right property will not only help build your credit and equity but can provide a…

  • What Is Home Equity and How Can I Build It?

    Oct 6, 2021

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    by

    Cognitive Capital
    in Mortgage

    Home equity is an essential asset for creating wealth and income. Learn how home equity is calculated, why it’s important, and five steps you can take to build it. As you make monthly mortgage payments, you accumulate home equity. This is a powerful real estate investment that represents the portion of your home that you…

  • How to Handle a Low-Ball Offer in Real Estate | Home Selling Advice

    Sep 15, 2021

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    by

    Cognitive Capital
    in Real Estate

    How to negotiate and handle low-ball offers on your real estate property in a buyer’s market without compromising the value or worth of the sale. Would you know what to do if someone offered you a lowball price for your rest estate investment? It can be pretty frustrating at first to receive lowball offers for…

  • Bank Of Canada Rate Update Sept 8, 2021

    Sep 8, 2021

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    by

    Cognitive Capital
    in Mortgage

    Bank of Canada maintains policy rate, continues forward guidance and current pace of quantitative easing The Bank of Canada today held its target for the overnight rate at the effective lower bound of ¼ percent, with the Bank Rate at ½ percent and the deposit rate at ¼ percent. The Bank is maintaining its extraordinary…

  • What are credit scores and how are they important?

    Sep 1, 2021

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    by

    Cognitive Capital
    in Financing

    A credit score is a number that shows how likely you are to pay or default on credit. It ranges from 300 to 850; the higher the number, the more creditworthy lenders deem you. Your credit history determines your credit score. In turn, your credit score affects various aspects of your financial life. Read on…

  • Getting a Mortgage as a Student

    Aug 18, 2021

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    by

    Cognitive Capital
    in Mortgage

    Purchasing a home is most likely one of the most sizable purchases most of us will ever make, and finally, buying a home is a dream come true for most. For students, it may seem like this dream is forever out of reach. Especially with the added burden of paying for college and student loan…

  • What Happens if You Lose Your Job Before Closing?

    Aug 4, 2021

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    by

    Cognitive Capital
    in Mortgage

    A job loss a few days or weeks prior to closing your home purchase can be distressing; especially when you have no alternative source of income. Getting a new job can ease the situation, but it’s not guaranteed that your mortgage provider will award you a mortgage loan when you are on probation at the…

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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,
Toronto, ON M3B 2R2,
Canada

(647) 799-2029