Most Canadians are focused on getting the best rate.
Our clients build long-term wealth through smarter lending decisons — backed by data, strategy, and access to 40+ lenders.
Mortgage Brokers Are Everywhere.
Mortgage Strategists Aren’t.
Most mortgage brokers focus on rates.
We focus on helping Canadians build long-term wealth through real estate.
At VeloMortgage.ca, we design personalized lending strategies that go beyond the bank:
✔️ Structure income for T4, commissioned, and self-employed professionals
✔️ Minimize tax impact and plan for capital gains
✔️ Refinance your mortgage with timing that protects your cash flow
✔️ Align your lending with long-term real estate investment goals
Whether you're buying your first property or optimizing a growing portfolio, we take a big-picture approach - because your mortgage isn't a transaction. It's a tool.
If you're looking for a one-size-fits-all solution, we're not it.
If you're serious about using real estate to build wealth, we’re your strategy partner.
Why Clients Stick with VeloMortgage.ca
They come for the rate.
They stay for the strategy.
Most brokers stop at your mortgage.
We don’t.
VeloMortgage.ca builds plans that compound wealth - with a focus on tax strategy, timing, and long-term leverage.
Whether you're buying your first home or scaling your 12th door, we’re the people behind the plan.
We’ve helped:
✔️ Investors scale from 1 to 10 properties
✔️ First-time buyers qualify on commission income
✔️ Homeowners unlock equity and retire 10 years faster
Whether You’re Just Starting or Scaling Up - We’ve Got You
We work with homeowners and investors across Canada.
No cookie-cutter advice. Just real strategies tailored to your goals.
First-Time Buyers
- Avoid costly rookie mistakes
- Navigate pre-approvals, CMHC rules, and closing costs
- Access lender programs banks don’t talk about
Real Estate Investors
- Refinance to scale your portfolio
- Minimize tax exposure with smarter loan structuring
- Tap into equity at the right time
Self-Employed Income
- Lenders who actually understand how you earn
- Mortgage solutions that work with your cash flow
- No more getting declined for making too much the “wrong” way
“Jeff and his team at velomortgage.ca were so amazing through the whole process of buying our first home! Jeff went above and beyond. Every time we thought it wasn’t possible, he came up with another option! We are so thankful for all their help in buying our first home!”
Brittany & Steve, Waterloo ON
Trusted by Canada’s Top Lenders.
Chosen by Homeowners and Investors Nationwide.
We don’t just talk strategy. We’ve earned the trust of lenders from coast to coast — and the praise of the people who matter most: our clients.
Client Results That Speak for Themselves
No pressure. Just a real conversation with an expert.
Stop Guessing. Start Monitoring.
Let us tell you when it’s worth breaking your mortgage - and when it’s smarter to wait.
Our free Mortgage Monitoring Tool tracks your rate, balance, maturity date, and penalty exposure in real time — and alerts you when there’s a strategic opportunity to save.
Most Canadians only review their mortgage when it’s up for renewal.
But by then? The best opportunities are already gone.
VeloMortgage’s proprietary tool watches the market for you.
No more spreadsheets. No more guessing.
Just smart alerts when action makes sense - and silence when it doesn’t.
How it works:
You give us the details.
Lender
Rate
Maturity date
Remaining amortization
Rate Type
We crunch the numbers.
Our system works 24/7 running rate calculations against current market rates
You get notified if there’s something worth talking about.
That’s it! No fuss, no muss.
Set It & Forget It
Enter your details once — we’ll monitor it forever (or at least until maturity).
Intelligent Alerts
We compare your mortgage to current rates and penalty data behind the scenes.
Strategy-First, Not Rate-First
It’s not just about interest — we track timing, penalties, and opportunities.
No Sales Pressure
No spam. No bots. No pushy calls — only when it matters.
Book an appointment.
Learn more about your options by booking an appointment.
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