Personalized Mortgage Solutions
~ by a CPA Accountant & Mortgage Expert
Mia – Saskatoon Mortgage Professional & CPA Accountant
Why I Became a Mortgage Expert
Numbers Matter. So Do People.
Hi, I’m Mia, a licensed mortgage professional and CPA Accountant serving Saskatoon and all of Saskatchewan.
Mortgages can feel overwhelming — and that’s completely normal! My role is to guide you through every step with clarity and confidence, helping you feel supported while we build the best mortgage strategy for your goals.
With a numbers-first, strategy-driven approach, I help clients not just secure competitive rates, but make smart long-term financial decisions. Whether you’re a first-time home buyer, an experienced investor, or looking to refinance, access equity, or explore a reverse mortgage, I’ll help you find a solution that strengthens both your mortgage plan and your overall financial foundation.
As part of TMG The Mortgage Group, one of Canada’s most trusted mortgage brokerages, I have access to a wide range of lenders and products — giving you flexibility and choice. Combined with my CPA background, this means your mortgage advice is mortgage-smart, tax-smart, and cash-flow smart — the kind of insight that can save you thousands and set you up for long-term success.
Get started now for free, I am here to help!
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New Mortgage & Pre-approvals
Perfect for:
First-time home buyers
Anyone ready to purchase their next home
Clients building a new home or planning upgrades
Solutions include:
Pre-approvals & rate holds
Purchase plus improvements
Construction mortgages
Whether you’re buying your first home or your forever home, I’ll guide you through every step — from qualifying to getting the keys — so you feel confident and prepared from start to finish.
See how the mortgage process works here→ -
Equity Take-Outs & Refinancing
Perfect for:
Homeowners wanting to access equity
Those consolidating debt or managing life changes (like divorce)
Solutions include:
Refinances
Home Equity Lines of Credit (HELOCs)
Reverse mortgages
Your home equity can work for you — whether that means lowering payments, funding renovations, paying off debt, or building financial breathing room. I’ll help you choose the smartest strategy for your goals.
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Investors
Perfect for:
Property investors and rental owners
Homeowners interested in using equity to invest
Solutions include:
Rental purchases & renewals
Rental property refinances
HELOCs for investment (Smith Manoeuvre strategies)
Real estate can be a powerful wealth-building tool — especially when your mortgage strategy aligns with your tax and cash flow goals. My CPA background means I help you look at the full financial picture, not just the rate.
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Renewals
Perfect for:
Homeowners whose mortgage is coming up for renewal
Clients unsure whether to switch lenders or stay put
Solutions include:
Renewal consultations
Rate holds
Switches between lenders
Renewal time is your opportunity to reassess — not just to sign the same deal. I’ll help you review your options and secure a mortgage that supports your goals today and in the years ahead.
How to get a mortgage?
Step by Step Instructions from a Saskatchewan Mortgage Broker
Step 1: MORTGAGE PRE-APPROVAL
Fill out Application and submit income and down payment documents
Review credit score, down payment funds and closing costs
Speak with Mortgage Broker to discuss mortgage options and to work out what kind of mortgage is best for you and how much you can afford
Step 2: HOUSE HUNTING
Realtor, write offer, wait....
Step 3: OFFER ACCEPTED
Home inspection, Appraisal, Default Insurer approval if applicable (less than 20% down payment), quotes for improvements if applicable
Step 4: LENDER APPROVAL
Lender will review the subject property, your application and supporting documents and provide a conditional approval
Step 5: REMOVE CONDITIONS
Often there are conditions attached to the lender approval so you will work with your mortgage broker to satisfy any outstanding conditions
Step 6: HOME INSURANCE & MORTGAGE PROTECTION INSURANCE
You must set up Fire/Home Insurance on the new property, with your new lender as the loss payee
It is always a good idea to set up Personal Life, Disability, Critical Illness insurance in case you get sick or become disabled and can not make your mortgage payments
Step 7: PROPERTY TAXES (if the lender is not collecting/remitting on your behalf)
Most Urban locations have a Tax Installment Payment Plan Service (TIPPS), which allows property owners to pay their property tax bill in 12 monthly installments by automatic withdrawal rather than a single annual payment
Step 8: MEET WITH LAWYER/SOLICITOR
Your lawyer will work with the lender to prepare and register the mortgage with the Land Titles Office and in the case of a purchase, to transfer the title of the property to you
You will need to set up an appointment to meet with your lawyer to sign papers, provide your down payment and closing costs, confirm adequate home fire insurance, and satisfy any remaining "solicitor conditions"
Step 9: POSSESSION DAY - CONGRATULATIONS!
Set up your utilities and internet
Step 10: FIRST PAYMENTS
In the first month after possession your first mortgage payment and property tax installment will be deducted from the bank account you set up for payments.
***IMPORTANT NOTE***
Once you have started the mortgage process it is imperative that nothing changes in your employment, financial, or credit situation until after your possession day as this could change an approval that is in place. Speak with your mortgage broker before changing anything.
Knowledge is power, get started today on your application, there is no cost to apply!
In most cases there is absolutley no cost to use a mortgage broker because the lender pays the broker to be the point of contact and work with you on their behalf. If you can not qualify on the A side of lending, there is often a fee to secure B side (alternative lending) or private lending, which I will be upfront about.
