Buying your first home. Renewing your mortgage. Working through a complicated file. I work independently. That means I work entirely for you.
"Banks have shareholders. I have clients."
I specialize in clients whose stories don't fit the standard mortgage box, but who absolutely deserve a yes. Buying your first home instead? Here's every step from offer to approval.
If your tax returns don't tell your full story, you need a broker who knows how to present your real financial picture to lenders who'll listen. Self-employed in Georgetown or Halton Hills? See your local options.
How I help self-employed clients →A decline from your bank is one lender's opinion, not a verdict. I've placed files that two or three branches turned down. Usually the problem is their rulebook, not you.
What to do when the bank says no →Non-standard income, unusual properties, reverse mortgages, tight closing timelines. When your file doesn't fit a template, you need an agent who works in solutions, not scripts.
See how I handle complex files →Told you're maxed out on rental properties? That's usually the bank's internal cap, not a real one. There are lenders who count rental income properly and keep you buying.
Financing for real estate investors →Missed payments or a Notice of Sale feels like the end of the road. It isn't. There's almost always more runway than people think, but the timeline matters and waiting costs you options.
Options if you're behind on payments →Splitting a home usually means refinancing under one income, on a deadline set by a lawyer. I work alongside your legal team so the numbers hold up the first time.
Mortgage help through separation →I'm Kat Brazier, a Mortgage Agent Level 2 helping clients in Georgetown and across Ontario with first-time homebuyer mortgages, refinancing, and mortgage solutions for self-employed borrowers.
Before mortgages, I spent 17 years running my own business. That taught me how to solve problems, plan strategically, and provide personalized solutions. Skills I now bring to every client.
When I'm not helping clients secure the best rates, I'm spending time with my husband and kids, experimenting in the kitchen, or staying active.
Read My Full StoryWe have a no-obligation conversation about your goals, your situation, and what you actually want from your mortgage.
I match you with the right lender from my network of 50+ banks, credit unions, and private lenders. The one that fits your real life.
Clear options, transparent terms, and ongoing support long after your mortgage closes. Because mortgages aren't transactions. They're relationships.
Real reviews from real Ontario homeowners.
"Kat is one of those people you meet and instantly you know you want to work with them. She's extremely knowledgeable, but what really stands out is how honest, genuine, and authentic she is. I would happily recommend her to anyone in my network, but especially to anyone looking for an amazing Georgetown mortgage agent!!"
"Kat is an absolute dream to work with! She was very patient and insightful, knowing that this was our first experience with purchasing a home. Kat gave us the financial and moral support we needed to feel comfortable and assured in a very expensive and complicated process, and made the experience feel as simple and relaxed as possible."
A mortgage agent shops your mortgage to dozens of lenders on your behalf: banks, credit unions, monoline lenders, and private lenders. The goal is to find the best rate and terms for your situation. In most cases, my services are completely free to you. Lenders pay me a finder's fee when your mortgage closes, just like a real estate agent's commission. For specialty cases like private lending or alternative financing, any fees are disclosed upfront before you sign anything.
Yes. This is exactly what I specialize in. Banks use rigid formulas that often penalize self-employed borrowers despite strong cash flow. I work with lenders who understand business-for-self income, including stated-income programs, alternative documentation, and B-lenders who look at your full financial picture rather than just your tax return line 150.
The earlier the better. Ideally 60 to 90 days before you plan to start house hunting. Getting pre-approved gives you a clear budget, locks in a rate for up to 120 days, and tells sellers you're a serious buyer. A pre-approval costs nothing and doesn't lock you in to working with me.
Almost never. The renewal letter your bank sends is rarely their best rate. It's their easiest sale. Roughly 70% of Canadians simply sign and renew, leaving thousands of dollars on the table. I'll compare your renewal offer against the entire market for free, and tell you honestly whether to stay or move. No pressure either way.
I'm based in Georgetown and primarily serve Halton Hills, Acton, Erin, and the surrounding communities. I also work with clients across Ontario, including Mississauga, Oakville, Brampton, Burlington, Hamilton, Etobicoke, Orangeville, and Caledon. Everything can be handled digitally if that's easier for you.
I pull your credit once. A single soft inquiry shared across my entire lender network. This means you get shopped to dozens of lenders without dozens of hits on your credit report. It's one of the biggest advantages of working with a broker over applying to multiple banks directly.
No pressure. No obligation. Just a clear, honest look at your options from someone who works for you, not the bank.