Mortgage Centre


Tracy Irwin

- Mortgage Broker

Mortgage Review Services

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After you have completed the steps in getting started, the next phase is for us to conduct a mortgage review and assess your unique needs … whether you are a first time homebuyer, self-employed, going through a divorce, wanting to consolidate debt or renew your existing mortgage …  we can help!


Whatever stage you’re at … whether you’re purchasing a home, renewing your mortgage, refinancing your mortgage, consolidating debt or annually re-evaluating your existing mortgage, we’ll provide the expertise you’re looking for: 

If you are …

Purchasing a home we’ll help you:

  1. create a budget to identify your maximum monthly mortgage payment, making allowances for some unexpected expenses
  2. analyze what amortization period would best suit your long term plan (i.e., 20, 25, 30 or 35 years)
  3. evaluate various accelerated payment options and how they can save you money
  4. understand your options regarding property taxes – and whether to pay property taxes direct - or have the lender deduct them with the mortgage payment
  5. finalize the investigation of your current situation, and apply for pre-approval to protect your interest rate for up to 120 days

Renewing your mortgage means examining your current personal situation in terms of the following:

  1. deciding whether you are interested in taking any equity out of your home for renovations or debt consolidation
  2. understanding what the current market value is of your property
  3. answering questions like:
    1. are you planning to move within the next few years?
    2. has your employment situation changed …  a new career or an increase in your pay?
    3. has your income type been adjusted from salary to commissioned or self employed?
    4. has your martial status changed?
  4. reviewing your credit score and how it may impact your personal situation
  5. considering techniques that can help you save money with your mortgage (link to mortgage strategies – how to save money with your mortgage)

To refinance your mortgage or consolidate debts, we’ll be at your side to:   

  1. complete a review and analysis of all outstanding debts
  2. prepare calculations to consolidate the debts
  3. restructure the debt to reduce your overall monthly costs
  4. in addition, utilize the same extensive review process as renewing your mortgage – so you can sleep at night.  

Annual mortgage reviews …

Is your mortgage still performing at peak efficiency?

An annual mortgage review offers:

  1. the best way to uncover money saving secrets
  2. a no-cost benefit that can help you save thousands of dollars over the life of your mortgage
  3. the expertise of a mortgage professional looking out for your needs, because:  
      1. In any 12 month cycle, interest rates can alter, new types of mortgages and features become available, housing values can rise and most importantly – your personal situation can change.  All of these factors may present an opportunity for you to save money.
      2. It only takes a few minutes of your time to discover the benefits and advantages available.


Call Tracy Irwin 1-866-797-7616
Expand your mortgage and money saving options
contact Tracy Irwin at toll-free number 1-866-797-7616
or contact her online at

Financing your mortgage loan needs in Stoney Creek, Burlington, Waterdown, Oakville, Hamilton, Ancaster and Dundas, Ontario.

R.D.M. Financial Consultants Ltd. Brokerage Licence # 10716 Each Mortgage Centre office is independently owned and operated