289-755-0146 amy@amycoburn.com


we make mortgages make sense

Don't settle for less

We will find the mortgage Solution That fits your Needs

Solution focused service

Mortgages that fit your life plan

My mission is to represent my clients in obtaining the best products, rates and services tailored to their specific financial needs. My goal is to provide a superior experience through fast response times, exceeding service expectations and keeping my clients best interest always as my number one priority.

With all the choices of different products in the marketplace today, it can be very confusing in finding the right solution. I am here to help navigate you through the choices. I do this by understanding you, your goals, and what is important to you and your family. I have been successfully helping clients achieve their financial goals for over 26 years in the financial services industry.

Why Use a Broker?

  1. Better than bank posted rates, offering the best rates for your needs!
  2. Work for YOU, representing your best interests as my client… not the banks.
  3. No cost to you, the lender compensates my services (oac).

Meet the team

Go Ahead.
You Can Rely on Us.

With 20+ years of experience, we will ensure that you acquire the best products, rates and services for your specific financial needs.

We strive to make the mortgage process transparent, seamless and stress free.

From Our Clients

What We Can Do For You

Five star is not enough, very professional and helpful. I am very satisfied with Amy service and the amazing Lee.
Motasem, Mississauga
I have an accounting practice in Smithville and have been referring my clients to Amy for the past 3 years. She has never let me or the client I have referred down. She treats them like family and I look like a star to them. Thanks Amy!!!!
Lou, Smithville
Amy was able to come up with a plan that worked for OUR family...even if it changed as we discussed our options. They were so on top of everything, and Lee responded quickly to any questions or concerns that we had. We were so happy with the outcome, and would recommend their services!
Amanda, Hamilton
Amy has been amazing with myself, friends and family I have sent to her. They have helped with personal, rentals and commercial with outstanding service each time. The best part is they take a major process and make it feel like a conversation with a friend.
Joey, Hamilton
My husband and I have used Amy several times for mortgage products. We have always been very impressed with her patience and knowledge. She does a great job of making a stressful time much easier to handle. I also recommended Amy to my clients and they have also had a great experience using her services. Highly recommended!
Jennifer, Binbrook
Amy Coburn and Lee Douglas were absolutely amazing to work with. They assisted us on three separate mortgages and were extremely knowledgeable and professional throughout the whole process. They were quick to respond back to emails and just an absolute pleasure to communicate with on a professional and personal level. Thank you both for your time and dedication. We will be loyal client's for years to come and hope to send many clients your way.
C & L, Smithville
Amy helped us with the purchase of our first home several years ago. She is still our mortgage broker and highly recommend her.
Krista, Hamilton, ON
Amy helped us find a new institution for our mortgage and arranged everything seamlessly. Amy was always available for any questions that we had during the process. I highly recommend her.
Linda, Toronto, ON
Amy, goes above and beyond for all of our mortgage needs, she takes the time to explain the details to me, even when she knows I'm singing the bologna song in my head....
Greg, Hamilton, ON
Amy was there for us when we bought our first house, second house and now our cottage. Thank you Amy for all your hard work, we wouldn't think of going anywhere else!
J & L, Hamilton, ON
Amy was there in our moment of despair when nobody else could help us, we have encouraged others to go to her for help as she tells it like it is, no messing.
Karen, Binbrook, ON
Amy and Lee have walked me through the grueling mortgage approval process three times now. This company has the perfect combination of friendship and business. Their composure and all around attitude brings comfort and light heartedness to every situation, and their financial knowledge is by far the best I have experienced. Thank you, thank you....6 stars from me, and forever a loyal customer.
Lisa, Hamilton, ON
Amy has been dealing with me and my financial needs for the past three mortgages. Her exceptional customer service, detail orientation, and incredible knowledge has helped me turn my life around and put me on track for a better future for my family. I highly recommend her, and her incredible support team for all of your needs. I will remain a customer for years to come.
Wil, Hamilton, ON
Cannot say enough about Amy and Lee! They make you feel so totally at ease and go above and beyond to assist you at a time that can be very stressful! A very professional but warm, kind and caring office where you know your interests are at the forefront! I will NEVER use a bank again when it comes to finding what is best for my husband and me regarding mortgages as I trust Amy and Lee completely! Thank you so very much for all your hard work!
Janet and Fred, Hamilton, Ontario
I had been dealing with another institution for the purchase of my home. After days of constant follow up and no returned calls, I was referred to Amy Coburn. She was quick to answer all my questions, was aware of my now even shorter time frame to get financing in place and took the time to discuss and review the process and set my expectations. Within 24 hours she contacted me with my approval, Lee Douglas emailed me a list of documents I needed and set appointment for the following day. I know they worked very hard on this file, but at no time ever made me feel like a bother (I always had one more question) They were very professional, knowledgeable and very easy to deal with. I will never use anyone else for my mortgage needs, Amy has earned a client for life. I would not hesitate to recommend Amy Coburn and her team to anyone.
Dave K., St. Catharines, ON
As first time home buyers it is always daunting to take those first steps to owning a home. Amy’s insight and expertise in mortgages and finance helped us through what could have been a terrifying experience. She was always on call and was ready to help us organize our finances; she acquired a great mortgage rate for us and made sure all papers were organized, ready for signing. Right up till the moment of getting our key. Even after she went above and beyond by phoning and emailing to see how we were handling our new home. She never forgets her clients and we cannot express enough how appreciative we are of her hard work and diligence to see us in our new home.
Kevin & Leeanna Silva, Milton, ON
Last month, my wife and I started the process of re-financing our mortgage. After 2 years of home renovation costs accumulating on the line of credit and falling mortgage rates, we wanted to take advantage of the lower cost and streamline our monthly cash flow. Amy took the time to search for the lowest rate as well as monitor the process from start to finish. It was comforting to know we had a Ally in our corner making sure there weren't any surprises or setbacks. I'm please to see that Amy has recently made it into the top 55 Women of Influence in the Mortgage Industry and the recognition is well deserved. I continue to recommend Amy to all who own a home.
Jonathan Jackson, Burlington, ON
Amy and Lee have provided us with exceptional service. Their knowledge and expertise in the business goes above and beyond any financial institution. They have helped us in so many ways. Having financial set backs can be very stressful. Amy takes the time to look at each situation and truly cares about her clients! We highly recommend Amy and her team. We would never go anywhere else for our financial needs.
Nick and Virginia, Hamilton, ON
Amy and Lee were very thorough and informative through the entire process. We had a lot of road blocks through our house buying process and they were able to help us find ways through all of them right to the closing. We were very satisfied with their professionalism and caring attitudes, and would definitely recommend their services to any and all of our friends. Thank you so much ladies!
Michelle and David, Hamilton, ON

With 20+ years of experience we’ll ensure
you always get the best guidance.


Why should I use a Mortgage Broker?
Mortgage Brokers and Agents work for you, the borrower. We have access to a variety of lenders and products that are chosen for your specific needs and goals. We look out for the needs of our clients first. Our specialty is mortgages, therefore we are up to date on the products currently available and all the regulations that must be followed.
How do you calculate what I can afford / qualify for?
That is two different questions.  What you qualify for is based on your monthly home ownership costs (mortgage payment, taxes, heating and condo fees) plus all other monthly debts (ie; credit cards, loans, lines of credit)  vs. gross income. What you can afford should also include things like monthly savings, RRSP contributions, and basic expenses like groceries, phone, cable and car expenses.
What is the minimum down payment required?

A minimum down payment of 5% is required to purchase a home, subject to certain maximum price restrictions. In addition to the down payment, you must also be able to show you can cover the applicable closing costs, approximately 1.5% of the purchase price (i.e. legal fees and disbursements, appraisal fee, land transfer tax and a survey certificate, where applicable, etc.). Regardless of the amount of your down payment, at least 5% must be from your own cash resources or in the form of a gift from an immediate family member. Newcomers to Canada typically need a 10% down payment. Non-residents will need 35%. The down payment cannot be borrowed, even from a family member. Mortgages with less than 20% down must have mortgage default insurance provided by CMHC, Genworth or Canada Guaranty.

What is mortgage default insurance?

Mortgage default insurance is not the same as mortgage life insurance. Mortgage default insurance is required by law to insure lenders against default on mortgages with a loan to value ratio greater than 80%. It is provided by CMHC (a crown corporation), CG-Canada Guaranty or Genworth (both approved private corporations). The premiums range from 0.60% to 6.0% and can be added to your mortgage amount. Sales tax is applicable in some provinces.

When should I get a pre-approval?

We suggest you talk to a mortgage broker 6-12 months before you plan to purchase a new home or refinance an existing home. This allows the time required to gather all the paperwork required, assess your credit and make appointments to discuss what you need and want in a mortgage. Most of our lenders will guarantee an interest rate for 120 days before a closing date. This gives you time to shop for the right home and ensure that you get a great rate. If the rate is lower when you find that right home you get the lower rate. Apply Here.

Do I need to get a pre-approval?

A pre-approval is not mandatory but has many advantages. It can measure your qualifications and how much house you can afford. Their 120-day rate guarantee protects you if rates rise while you’re house hunting. They make you look more serious to sellers and real estate agents. (In competitive bidding situations, they’re almost mandatory.) They’re free and there’s no obligation to use the lender that pre-approved you. Apply here.

What is a conventional mortgage?

A conventional mortgage is where the down payment is 20% or more of the purchase price. (LTV: loan-to-value of 80% or less.) Mortgage loan insurance is usually not required for this type of mortgage.

How does bankruptcy affect my qualification for a mortgage?
Some lenders will consider providing mortgage financing, depending on the circumstances surrounding your bankruptcy and your credit history since the bankruptcy was discharged. Contact us to discuss your options.
Should I wait for my mortgage to mature?
We recommend you contact a broker about 6 months before your existing mortgage matures. This allows time to consider all the options available; whether it be to plan the purchase of another property, consolidate debt into your new mortgage or just a straight renewal. Lenders will often send out renewal notices offering their posted rates. This usually is not the best rate available. Most lenders will guarantee a rate for 120 days before renewal/closing. This will get you the bast rate available in the 4 months prior to renewal. Contact us with your renewal date and we will be happy to discuss your options.
What is the difference between a fixed and variable rate mortgage?

A fixed rate mortgage is when the interest rate is locked in for the term of your mortgage, most lenders offer 1, 2, 3, 4, 5, 7 and 10 year terms. A variable rate mortgage is where the interest rate is based on the lenders prime rate. (i.e. Prime minus 0.20%) This rate is based off the Bank of Canada prescribed rate and adjusted by the lenders accordingly. This can lead to an increase or decrease in payments each month, unlike a fixed rate where the payments are the same throughout your term. Variable rates are subject to fluctuation and therefore are a riskier product, however they have the potential to average a lower rate for the term. Contact us to setup an appointment to discuss the mortgage that is right for you and your family.

Mortgage Calculator

Determine your monthly payment by testing down payments and amortization scenarios.

Land Transfer Tax Calculator

Don’t forget to include the Land Transfer Tax when considering the total cost of purchasing a home. Learn how much it will cost with our calculator.


Latest News

Should I Refinance My Mortgage?

Should I Refinance My Mortgage?

I think we can safely say that 2020 has been a strange year. A year of lockdowns due to a pandemic, financial support from the government, and the lowest interest rates in recent history.  This has led to a rise in the number of homeowners who are considering...

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