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85 Scarsdale Rd #107, Toronto,ON M3B 2R2, Canada
our team
Meet the Experts Behind Cognitive Capital
At Cognitive Capital, we don’t just process mortgages—we build strategic financing solutions that set you up for success. Our team, led by one of Canada’s top-ranked mortgage brokers, brings unmatched expertise, lender access, and
problem-solving skills to every mortgage deal.
Michelle Farrugia
founder & mortgage broker
One of Canada’s Top 50 Mortgage Brokers | $1B+ in Funded Mortgages
Michelle launched Cognitive Capital with a commitment to transparency and strategy. Well-respected across the industry for her direct approach and problem-solving expertise, she secures approvals and premium financing solutions that others simply can’t. With exclusive lender access and deep industry connections, Michelle delivers unmatched speed, better rates, and smarter mortgage strategies.
Tasha Macdonald
Senior Underwriter
Tasha is the backbone of Cognitive Capital’s mortgage strategy. Having worked at some of the top brokerages in Canada, she brings deep expertise in structuring deals that secure the best rates and most strategic financing solutions. As head of underwriting, she works tirelessly behind the scenes—negotiating with lenders, overcoming roadblocks, and ensuring every client gets the strongest mortgage approval possible.
Marley Burgess
underwriter
As Cognitive Capital’s first and longest-standing employee, Marley has mastered every stage of the mortgage process—from administration to closing, and now underwriting. With a deep understanding of how every piece fits together, she brings a unique perspective to structuring mortgage solutions. Her experience across all levels of the business allows her to anticipate challenges, streamline approvals, and secure the best financing for clients.
Jacob Meyer Snitman
Mortgage Agent Level 2
Jacob is one of the fastest-growing agents at Cognitive Capital, specializing in subprime lending and private mortgage solutions. With deep understanding of debt consolidation and credit improvement, he helps clients restructure finances to increase cash flow and secure long-term financial stability. Navigating tricky approvals or finding creative lending solutions, Jacob ensures clients have a clear path forward.
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.