I'd rather tell you the truth than close a file
I'm Tiffany Quaye, a licensed mortgage professional with Pineapple Financial Inc.. Most of my work is with homeowners who are house-rich and cash-tight — people carrying balances they never planned for, wondering whether their home can help.
Mortgages are one of the few financial products where the difference between a good decision and an average one is measured in tens of thousands of dollars — and where most people are handed a rate and a signature line instead of a strategy.
My approach is simple. We look at your whole picture: the mortgage, the balances, the renewal date, the income, the plans you haven't told anyone about yet. Then I show you the options with the trade-offs attached, including the option to do nothing.
I say that last part often because it happens often. If your penalty outweighs the benefit, or your renewal is four months away, or the real issue isn't your mortgage at all, you'll hear that from me. I'd rather be the person you come back to in six months than the person who charged ahead.
Education first
You'll understand the recommendation well enough to explain it to someone else. That's the standard.
Numbers, not vibes
Every option comes with the monthly figure, the total interest figure and the cost of getting there.
No pressure, ever
There's no urgency script here. Mortgage decisions should be made calmly, with all the information.
Licensing and regions
Licensed mortgage professional with Pineapple Financial Inc., serving clients across Ontario, Toronto, Alberta. Most files are completed by video call, phone and secure document upload — wherever you are.
Let's start with your situation, not a product
A short conversation, your real numbers, and an honest answer about what's worth doing.