Hi, I'm Tony Monteiro
Your Mortgage Expert
Level 2 Certified Mortgage Professional with a quarter-century of experience helping Ontario families achieve their homeownership dreams.
Experience
Greater Golden Horseshoe
Mortgages
Mortgage Solutions Tailored for You
With 25 years of experience and Level 2 certification, I provide comprehensive mortgage services across Ontario, specializing in complex financing solutions.
Refinances
Access to private lending solutions for harder-to-place mortgages. Get the financing you need, even when traditional lenders say no.
- Private lending access
- Competitive rates
- Fast approvals
Debt Consolidations
Simplify your finances by combining multiple debts into one manageable payment with potentially lower interest rates.
- Lower monthly payments
- Single payment
- Improved cash flow
Home Equity Line of Credit (HELOC)
Unlock the equity in your home for renovations, investments, or major purchases with flexible access to funds.
- Flexible access
- Competitive rates
- Tax advantages
Looking to refinance? Explore your options here.
Discover how refinancing can help you save money, access equity, or consolidate debt with better rates and terms.
Explore Refinance Options25-Year Comparison: Fixed vs Variable Mortgage Rates
Historical perspective on mortgage rate trends to help inform your financing decisions
Proudly Serving Southern Ontario
Licensed across Ontario with deep local expertise in Waterloo, Brant County, and Wellington County. Wherever you are in the province, I'm here to help.
Waterloo Region
- Kitchener
- Waterloo
- Cambridge
- Guelph
Brant County
- Brantford
- Paris
- Burford
- Mount Pleasant
Wellington County
- Fergus
- Elora
- Arthur
- Mount Forest
Ontario Licensed
Fully licensed to serve clients across all of Ontario. Distance is never a barrier to exceptional service.
Your Trusted Mortgage Partner
Built on a foundation of trust, expertise, and unwavering commitment to client success. Your mortgage journey deserves nothing less than excellence.
Licensed & Certified
Lic# 13121 • Level 2 Certified
25+ Years Experience
Quarter-century of mortgage expertise
Trusted Brokerage
Professional mortgage brokerage services
Private Lending Access
Solutions for all mortgage cases