Our Team

Welcome to a Better way to Borrow

At Cognitive Capital we understand that your home is your greatest asset. That is why we aim to create a home financing experience that is easily understood and educational. We want you to feel confident in your home financing today, as well as empowered to make confident decisions surrounding it moving forward.

There is no one-size-fits all when it comes to finding the right home, and this certainly remains true for your financing. Because of this, it is important for us to understand your current and future goals so we can pair you with a tailored mortgage product and strategy that fits your evolving needs.

Our Team Is at Your Service

Michelle Farrugia

Founder & Mortgage Broker

Michelle launched Cognitive Capital with transparency in mind.

Royston Simon

Mortgage Agent

Royston is dedicated to helping people get their foot in the real estate door and educating them on how to grow their real estate portfolio.

Lila Beijer

Mortgage Agent

Straight-forward, knowledgeable and full of heart, Lila looks forward to helping you achieve your financial and homeownership goals.

Marley Burgess

Operations Manager

Marley is a jill-of-all-trades and oversees every department at Cognitive Capital to ensure a smooth client journey!

Dominique Hanchard-Hart

Fulfillment Specialist

Dominique is very client-centric with a keen eye for detail and ensures all of our clients’ mortgages close smoothly by organizing major players within the transaction like realtors, lawyers, and appraisers.

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