Find out how much you
can afford for your
home purchase.
Smart Mortgage Solutions for Every Situation
At Cognitive Capital, we don’t believe in one-size-fits-all mortgages. Whether you’re a first-time homebuyer, refinancing for lower rates, or securing a commercial mortgage, we tailor financing solutions to fit your needs.
🏡First Time Home Mortgages
Buying your first home? We simplify the mortgage process, secure the best rates, and help you navigate pre-approvals, down payments, and lender requirements—so you can buy with confidence.
🔄 Mortgage Refinancing & Renewals
Is your mortgage still working for you? We help homeowners refinance their mortgages for better rates, lower payments, and access to home equity for renovations, debt consolidation, or investments.
🏢 Investment & Rental Property Financing
Looking to build long-term wealth? We specialize in rental property mortgages, multi-unit financing, and investment property loans that maximize leverage and cash flow.
💼 Self-Employed & Business Owner Mortgages
Banks don’t always understand business income. We work with lenders that specialize in self employed mortgage approvals, ensuring you get access to the best rates without the hassle.
🏠 Upsizing & Downsizing Mortgages
Moving into a bigger home or downsizing? We secure bridge loans and home equity access to ensure a smooth transition between properties—so you can buy before you sell.
🏛 Commercial Mortgage Financing
Need funding for a commercial property? We structure commercial real estate loans for office spaces, retail properties, multi-unit buildings, and development projects—offering access to top commercial mortgage lenders in Canada.
📉 Subprime & Private Mortgage Lending
Facing credit challenges or unique income situations? We specialize in private mortgage financing for bad credit, self-employed, and non-traditional borrowers—helping clients who don’t qualify with big banks.
💳 Debt Consolidation Mortgages & Credit Improvement
High-interest debt weighing you down? We provide home equity-based debt consolidation solutions that lower payments, improve credit scores, and boost household cash flow.
How We Make Mortgages Stress-Free
✅ Unmatched Lender Access – We work with nearly every lender in Canada, giving you access to better mortgage rates, lower payments, and flexible approvals.
✅ Strategic Mortgage Planning – We don’t just get you approved—we structure financing to align with your long-term financial goals.
✅ Fast, Seamless Process – From mortgage pre-approval to final closing, we handle every detail so you don’t have to.
What’s Next?
Try our free tools and explore your mortgage
options.
Mortgage Calculators
Crunch the numbers and explore your mortgage options!
Get in Touch
First time buyer or refinancing? Call for a free quote!
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.