Mortgage strategy,
answered.
Straight answers to what people ask most before their first call.
See my results nowWhat does ownmore actually do?
Mitch is a mortgage broker who specializes in strategy. He finds you the right mortgage, then sets it up so it works harder for you: paying your home off faster, building wealth, or both.
Is this just a regular mortgage?
You still get a mortgage, whether you're buying, renewing or refinancing. The difference is how it's set up. Most mortgages are built around the rate. Mitch builds yours around what it can do for you over the next 20 years.
Who is this for?
Canadians with a mortgage who want it to do more: homeowners who want to pay it off sooner, people who invest, and landlords. If you're buying your first home, it's worth setting up right from day one.
What is the Debt Audit?
A free online check of your mortgage. It takes about 5 minutes, and your results show up instantly: which strategies could fit you, and what they could mean for your mortgage and your wealth over time. Then we go through it together.
Does it cost anything?
No. The Debt Audit and our first call are free, with no obligation. It isn't a mortgage application and there's no credit check.
Will my payments go up?
Usually not. These strategies are built to work with the payments you already make. What changes is where the money goes and what it does for you.
Is this legit?
Yes. Mitch is an expert in advanced mortgage planning, and every strategy he uses is a legitimate, established approach built on long-standing Canadian tax and lending rules. Which one is right depends on your goals, and that's exactly what Mitch helps you work out. Your accountant confirms the tax side, and if a strategy doesn't fit you, Mitch will tell you.
Do I have to switch banks?
Not always. Sometimes your current lender can do it. If not, Mitch works with lenders across Canada through Vine Group Mortgage Brokerage, and will show you whether a change is worth it.
What happens after it's set up?
Mitch keeps watching your mortgage: rates, your renewal, and whether the plan is still on track. When something is worth changing, you hear from him first.