We Left the Big Banks So You Could Stop Getting Screwed on Your Mortgage.
*Because Canadians deserve advice that’s tailored to them—not advice that maximizes a bank’s profits.
For years, we sat across the desk at one of Canada’s biggest lender…
Watching homeowners get steered into whatever product hit the bank’s quarterly sales target.
We hated it.
Good people—just like you—being sold mortgages that made the bank rich…
While leaving you stuck with higher payments, higher penalties, and less flexibility.
That’s why we walked away.
We founded VeloMortgage.ca to do one thing:
Give Canadians the mortgage advice we wish we could’ve given back when we worked for the bank
Why Velo?
✅ We don’t answer to shareholders.
✅ We’re not tied to one lender.
✅ We work for you - not the bank.
Our only goal?
Finding you the mortgage that costs you less… gives you more flexibility… and actually fits your life.
Whether you’re buying your first home… refinancing… or figuring out how to use your home equity to invest…
We’ll show you every option the bank won’t tell you about.
How Our Mortgage Process Works
We Listen
Tell us your goals, concerns, and what’s keeping you up at night about your mortgage.
We Analyze
We scan dozens of lenders—looking at rates, terms, and hidden traps the banks won’t tell you about.
We Recommend
You get a clear, plain-English breakdown of your best mortgage options. No jargon. No guesswork.
You Win
Pick your mortgage. Lock it in. Save money. Sleep better at night. Done.
We’re not for everyone.
But if you’re any of these…
✅ A first-time buyer confused by conflicting advice
✅ A homeowner tired of being stuck in a bad rate
✅ An investor looking to scale your real estate portfolio
✅ Someone who wants to actually understand your mortgage (without needing a finance degree)
…then you’re in the right place.
Call me your mortgage matchmaker
You’ve probably seen the ads…
“Lowest mortgage rates in Canada!”
“Unbeatable rates!”
“Rates from 3-point-something!”
Here’s the truth most brokers won’t tell you:
✅ We have access to those same low rates.
✅ But we also know what’s buried in the fine print.
Because let’s be real - a low rate means nothing if the penalty to break it will cost you $15,000 later.
Or if the lender locks you into handcuffs you didn’t see coming.
That’s where we’re different.
We don’t just chase the headline rate.
We dig into the terms, the restrictions, and the future costs—so you don’t get blindsided.
Call me your Mortgage Matchmaker.
I’ll help you sort through the options, dodge the traps, and find the mortgage that actually fits your life… not just your monthly payment.
Low rate? ✅
Good terms? ✅
No nasty surprises later? ✅✅✅
Sure… You Could Fall for That Too-Good-to-Be-True Mortgage Rate… Or… We Can Actually Find You a Mortgage That Won’t Break Your Heart (or Your Wallet).
Meet the VeloMortgage Team: Your Canadian Mortgage Experts & Matchmakers
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Jeff Dinsmore
Mortgage Broker | Founder | Real Estate Nerd
Jeff’s obsession with real estate started early—while most university students were figuring out how to cook pasta, Jeff was running his own property management company.
Selling that business funded his first investment property… and he’s been hooked on real estate ever since.
While earning his Master’s in Education, Jeff dove headfirst into the mortgage world as a full-time Renewal Account Manager at one of Canada’s largest lenders.
There, he helped hundreds of clients navigate the renewal process—learning exactly how the big banks position, upsell, and lock people into less-than-ideal mortgage terms.Armed with over a decade of industry experience, a growing portfolio of investment properties, and a knack for explaining complex finance in plain English…
Jeff founded VeloMortgage.ca with a simple mission:Help Canadians make smarter mortgage decisions—and avoid the traps he saw firsthand working inside the system.
Jeff’s Specialties:
✅ Real Estate Investing
✅ Financial Education
✅ Mortgage Restructuring & Portfolio Growth StrategiesFun Facts About Jeff:
🏉 Former varsity rugby team captain at Wilfrid Laurier University
♟️ Chess enthusiast
👨👩👧👦 Family guy
📈 Fantasy sports & economics junkie -
Mahyar Ghalandary
Mortgage Agent Level 2
Mahyar’s real estate story started over a decade ago on the streets of Burlington, ON, where he built a reputation as a go-to Realtor for high-end homes.
But closing real estate deals wasn’t enough.
Mahyar wanted to dive deeper into the numbers—the strategy behind the financing.So he made the leap into mortgages.
Starting as a Renewal Account Manager in Kitchener, he quickly realized helping clients navigate mortgage terms, rates, and renewal traps was where he truly thrived.
Fueled by an entrepreneurial drive, Mahyar then stepped into the role of Mobile Mortgage Specialist…
And finally, co-founded VeloMortgage.ca alongside Jeff.With 15+ years of combined experience in both real estate sales and mortgage financing, Mahyar knows how to structure deals that make lenders happy—without screwing over the borrower.
Mahyar’s Specialties:
✅ Real Estate Investing
✅ New Builds & Construction Mortgages
✅ Cottage & Rental Property FinancingFun Facts About Mahyar:
🍣 Full-on foodie—loves exploring different cultures through cuisine
👨🍳 Former owner/operator of a popular Jimmy the Greek restaurant for over a decade
✈️ Always on the hunt for his next culinary adventure -
Sean Wiens
Mortgage Agent L1
Sean didn’t just stumble into the mortgage world—he spent over a decade deep inside it, working as a Senior Manager in Default Management at one of Canada’s largest mortgage lenders.
That means when life throws curveballs—job loss, divorce, debt challenges, or unexpected financial stress—Sean’s the guy you want in your corner.
His time managing mortgage defaults gave him a front-row seat to how people get into trouble with their loans…
And more importantly—how to help them get back on track.Trusting his instincts (and probably tired of corporate red tape), Sean made the leap to join VeloMortgage.ca, teaming up with Jeff and Mahyar to bring real-world, real-life mortgage restructuring expertise to everyday Canadians.
Sean’s Specialties:
✅ Mortgage Restructuring
✅ Debt Consolidation
✅ Real Estate InvestingFun Facts About Sean:
🏒 Lifelong Toronto Maple Leafs fan (yes, he’s still hopeful)
🐈 Proud cat dad to four furry troublemakers
👨👩👧👦 Loves hanging out with family and friends -
Vickie Psenak
Administrative Assistant | Closing Day Coordinator | The Glue That Holds It All Together
If there’s one person making sure your mortgage actually crosses the finish line—it’s Vickie.For nearly a decade, Vickie has been the behind-the-scenes powerhouse who takes your mortgage from “Approved” to “Congratulations, here are your keys!”
She’s the one triple-checking the paperwork, keeping lenders, lawyers, and clients on track, and making sure no document gets missed (or forgotten at the worst possible time).
Detail-obsessed? Absolutely.
Organized? Like a military operation.
But behind her no-nonsense approach is a heart of gold—and a genuine passion for helping clients close on time and with confidence.When she’s not wrangling mortgage files, you’ll find her enjoying time with her family as a proud mom and grandma… or hopping on a plane for her next adventure (ask her about her recent month in Brazil).
Vickie’s Superpowers:
✅ File Management & Document Collection
✅ Closing Coordination
✅ Keeping Everyone (including us) on Deadline -
Danielle Dinsmore
Mortgage Agent Level 1 | Client Experience Coordinator | Digital Swiss Army Knife
Danielle wears more hats than most people own.
From supporting our agents with pre-approval document collection… to helping design this very website (yes, you can totally blame her if a button doesn’t work)… to keeping our social media on track—Danielle’s fingerprints are on almost everything we do.
Before joining VeloMortgage.ca, Danielle spent over a decade in IT and Investor Relations for one of Canada’s largest mortgage lenders—so she knows both the technical side of systems… and how to communicate clearly when the financial world gets confusing.
She’s also bilingual (French & English), making her a huge asset for our diverse client base.
When she’s not wrangling documents, web pages, or Jeff for social media videos… you’ll probably find her outside near water, cooking up something amazing, or enjoying time with friends and family.
Danielle’s Superpowers:✅ Client Support & Pre-Approval Coordination
✅ Website & Digital Project Management
✅ Social Media Support (even when Jeff resists being on camera)
✅ Bilingual Service (French & English)
Fun Facts About Danielle:🌊 Her happy place = anywhere near water
👩👧 Proud mom
🍳 Loves cooking, hosting, and good food with great people
💻 Tech nerd turned mortgage matchmaker
You’ve met the team. Now it’s your move.
👉 If you’re serious about getting the best mortgage deal…
👉 If you’re done with low-rate gimmicks and fine print nightmares…
👉 And if you actually want a team that knows how to outsmart the banks (because we used to work for them)…
Click below and book your Free Mortgage Strategy Call.
No fluff. No guesswork. Just straight-up answers—and a mortgage that won’t screw you later.