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  • Real Estate 101: Essential Tips for First-Time Home Buyers

    Apr 30, 2021

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    by

    Cognitive Capital
    in First Time Home Buyers

    Buying a home is always a big decision, but when you’re a first-time buyer it’s even more important to get it right. Without home-buying experience to draw on, it’s easy to make mistakes you could regret for years to come. Here’s what to avoid 1) Don’t Rush the Mortgage In the excitement of buying your…

  • 10 Essential Tips for Taking Out Your First Mortgage

    Apr 23, 2021

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    by

    Cognitive Capital
    in First Time Home Buyers

    Taking out your first mortgage presents a major financial commitment, possibly the biggest one you’ll ever make, so it’s crucial that you get the best deal available. Getting a mortgage is often not a quick and straightforward process either, particularly since the options available to you will vary depending on factors such as your income,…

  • Should You Spend the Full Mortgage Amount You’re Approved For?

    Apr 16, 2021

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    by

    Cognitive Capital
    in Mortgages

    Before you start shopping for a new home, you’ll need to know exactly how much house you can afford. Otherwise, you could end up in a home that is way out of your budget. What you qualify for may not be what you can actually afford, based on your personal situation. Only you can decide…

  • Should You Refinance Your Mortgage?

    Apr 9, 2021

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    by

    Cognitive Capital
    in Financing

    There are a multitude of reasons why a homeowner may be considering refinancing their mortgage. However, before any final decisions are made it is always a good idea to consider carefully whether refinancing is a good idea for you. What is refinancing? To refinance means to apply for a new loan on your current mortgage.…

  • Take Advantage of Low Interest Rates – Refinance Your Mortgage Today!

    Apr 2, 2021

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    by

    Cognitive Capital
    in Mortgages

    Borrowers are loving the current record low interest rates, and homeowners stand to benefit even more. If you bought your home more than a few years ago, you could probably benefit from a refinance at today’s low interest rates. With interest rates this low, you owe it to yourself to at least give refinancing a…

  • Strategies to Dig Yourself Out of the Debt Hole

    Mar 26, 2021

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    by

    Cognitive Capital
    in Financing

    Debt. It’s something almost everyone will have at some point in their life. But what happens when your debt begins to get the better of you? What options are available? Some simple strategies can help you get your debt out of a seemingly unmanageable situation; it’s just a matter of choosing the right one for…

  • Why You Need an Emergency Fund And How to Get One

    Mar 19, 2021

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    by

    Cognitive Capital
    in Financing

    Building an emergency fund is something most people know they should do but few actually get around to doing. A recent study found that nearly two-thirds of Americans did not have an emergency fund, and more than half would have trouble coming up with $1,000 on short notice. That lack of savings puts them at…

  • The Benefits of Investing in Income Producing Properties

    Mar 12, 2021

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    by

    Cognitive Capital
    in Real Estate

    Making money in any real estate venture is a difficult task, and many people don’t have the skills (or the stomach) for flipping houses. An alternative to this intrinsically risky activity is to purchase a property for the long term and rent it out. These types of income properties are becoming more and more common…

  • 4 Hidden Problems That Could Be Hurting Your Home Sale

    Mar 5, 2021

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    by

    Cognitive Capital
    in Real Estate

    One of the biggest fears that home sellers have is that their property will end up on the real estate market for months on end. This is a nightmare for a number of reasons. First of all, having your house listed on the market for more than a month or two can cause a huge…

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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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Michelle Farrugia
Mortgage Broker
License #M17002141

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85 Scarsdale Rd #107,
Toronto, ON M3B 2R2,
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(647) 799-2029