Residential Mortgages Made Simple, Flexible, and Personalized

Whether you’re buying your first home, moving up, refinancing, or renewing—we offer residential mortgage solutions tailored to your goals, income, and timeline.

Your Home, Your Mortgage—Designed Around Your Life

No two homebuyers are alike. That’s why we take a tailored approach to residential mortgages—so you can secure financing that makes sense for your lifestyle, income, and long-term plans.

From buying your first home to refinancing for better terms or accessing equity, we guide you through every step with clarity, support, and access to over 50 trusted lenders. You won’t get pushed into a one-size-fits-all mortgage. Instead, we help you explore options that align with your needs—today and in the future.

Our residential mortgage services include:

Pre-approvals for home purchases
Fixed and variable rate options
Mortgage renewals and refinancing
Equity take-out and debt consolidation
Custom solutions for salaried, self-employed, or alternative income clients

You bring the dream—we’ll help you finance it.

Your Challenge, Our Solution

Buying, Refinancing, or Renewing—We Make Mortgages Work for You

See What You Qualify For

Home financing shouldn’t feel like a maze of confusing terms and restrictive rules. Whether you’re a first-time buyer or a seasoned homeowner, navigating lenders can be overwhelming.

We simplify the process and act as your personal mortgage guide. From comparing lenders to securing approvals, we manage the details so you can focus on your next move.

Our wide lender network means more choice, more flexibility, and better terms—whether you’re salaried, self-employed, or somewhere in between.

With honest advice, clear communication, and a fully digital process, we make your mortgage journey stress-free and fully supported.

Why do customers love working with us?

      EXCELLENT  
   Based on 164 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Ross H. (RHO) 
 
 
 
 Trustindex verifies that the original source of the review is Google. Sandra was recommended to us by a family member that has worked with her for many years. Now that we have closed on our first home, I am happy to share how grateful we are to have chosen her services. Sandra walked us through what can be a complex and intimidating process with patience and professionalism. Her online platform made it very easy to manage an avalanche of documents and she was always there when we needed her. Most important of all, she got us a great rate from her preferred lender! If you are shopping around for a skilled and effective mortgage broker, I absolutely - and without hesitation - recommend Sandra Brown to help guide you through one of the more consequential financial decisons you will likely make this year. Thank you!!
  
 
      Posted on Google  
   
   Charles St-Onge 
 
 
 
 Trustindex verifies that the original source of the review is Google. We were asked many questions about what kind of mortgage would work best for our particular situation, and then provided with possible options. Sandra was always available for consultation and guided us through the whole process from start to finish. Very happy with the level of service and friendliness!
  
 
      Posted on Google  
   
   David Poirier 
 
 
 
 Trustindex verifies that the original source of the review is Google. Sandra was absolutely amazing to work with. As first time home buyers we had plenty of questions and Sandra always took the time to explain things to us and was overall just amazing to talk to. We would absolutely love to work with her again, and we will be recommending her to all of our family and friends who are in the market. If you're looking for someone reliable, who responds fast and is easy to work with, Sandra is the pick for you.
  
 
      Posted on Google  
   
   Kofi Bright 
 
 
 
 Trustindex verifies that the original source of the review is Google. Sandra is very nice and helpful.  She worked very hard for my mortgage, with my low credit score to get my mortgage renewed. She did advised me how to get my credit score higher. Thank you Sandra!
  
 
      Posted on Google  
   
   Steve Nezan 
 
 
 
 Trustindex verifies that the original source of the review is Google. Very helpful and patient. Great care and dedication to her service. Great working with you Sandra!
  
 
      Posted on Google  
   
   Corinne Harrison 
 
 
 
 Trustindex verifies that the original source of the review is Google. Sandra was extremely efficient in setting up the meeting with a very quick response time. I found her knowledgeable about the industry and generous in sharing useful info while decisions are made. Sandra is professional and personable.
  
 
      Posted on Google  
   
   Domonick Merkley 
 
 
 
 Trustindex verifies that the original source of the review is Google. Sandra made our home buying experience extremely easy, doing everything she could to benefit us as buyers. Little to no stress, answering calls and texts within minutes. A wonderful experience with Sandra. Thank you!!!
  
 
      Posted on Google  
   
   Lindsay Lavery 
 
 
 
 Trustindex verifies that the original source of the review is Google. We worked with Sandra to get our first house and because of her we are now Home Owners! First time home buyer here and we were previously working with a different broker, and the service we got there was what we thought was normal. It did not work out, and seriously turned us off buying a house. It just felt so unreachable and like we were children trying to be adults. Then we started working with Sandra and WOW what a different experience we had. Our offer was accepted 6:00pm on a Friday. We didn't expect to hear from Sandra until sometime on Monday. Low and behold we get a phone call not even 15 minutes later that same night. It's Sandra, walking us through our next steps. To say she is amazing is an understatement. Serious, if it weren't for her extensive knowledge, I don't think I would be writing this review from the comfort of my first home. If you are a first time home buyer (or you're well into this home buying lifestyle) go with Sandra. She is the best. She has so much patience and knowledge and she just KNOWS the game. Short story long, Sandra is the best and I will recommend her to everyone.
  
 
      Posted on Google  
   
   Paul Yamashita 
 
 
 
 Trustindex verifies that the original source of the review is Google. Sandra was professional, friendly and absolutely amazing to work with. She took care of all our needs fast and efficiently.  As a first time home buyer she made the process seamless and easy. Explained everything thoroughly and made it easy to understand. Excellent! Thank you for making our dream of home ownership come true!
  
 
      Posted on Google  
   
   Richard Peltier 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had an exceptional experience with Sandra. She's straight forward and knows her industry. Highly recommended.
  
 
  
  
 
     Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

Got Questions About Residential Mortgages?

FAQ

A residential mortgage is a loan used to purchase, refinance, or renew a home that you live in. It covers everything from first homes and family homes to condos and townhouses.

Pre-approval starts with reviewing your income, credit score, and down payment. We’ll help you determine your budget and secure a pre-approval letter to strengthen your offer when house hunting.

Yes. We work with many lenders who accept alternative income documentation, including bank statements, contracts, or income from your business.

A fixed-rate mortgage locks in your rate for a set term, offering predictable payments. A variable rate may be lower initially, but can fluctuate with the market. We’ll help you decide which fits your goals best.

Refinancing can help you lower your rate, consolidate debt, or access equity for renovations or investments. We’ll assess your current mortgage and future goals to see if refinancing makes sense.

No. For homes under $1M, you can buy with as little as 5% down. A down payment of less than 20% requires mortgage insurance, which we’ll explain clearly in the approval process.

Closing costs typically range from 1.5% to 4% of the home’s purchase price. This includes legal fees, land transfer tax, appraisals, and more. We’ll help you budget properly and avoid surprises.

Yes. If you plan to live in the home part-time, we can help you access competitive rates and terms. Let us know your goals and we’ll explore the best solution.

Let's connect

Get started TODAY!

Simply fill out the quick form so that I know your situation and preferences.

(613) 933-3339 sanbrown@mortgagealliance.com

Whether you’re buying, refinancing, or renewing—let’s make your next move with confidence and the right mortgage by your side.

Ready to Apply for a Residential Mortgage?

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Contact Info

Residential Mortgages Made Simple, Flexible, and Personalized

Your Home, Your Mortgage—Designed Around Your Life

Buying, Refinancing, or Renewing—We Make Mortgages Work for You

Why do customers love working with us?

Got Questions About Residential Mortgages?

FAQ

What is a residential mortgage?

How do I get pre-approved for a residential mortgage?

Can I get a mortgage if I’m self-employed or have non-traditional income?

What’s the difference between fixed and variable rates?

When should I refinance my home?

Do I need a 20% down payment?

What are closing costs and how much should I budget for?

Can I use a residential mortgage for a second home or vacation property?

Get started TODAY!

Ready to Apply for a Residential Mortgage?