Why work with mortgage Agent / Broker
A mortgage agent compares multiple lenders and mortgage products to help clients find the option that best fits their financial situation.
How do I qualify for a mortgage?
Once the application is submitted by your agent, Lenders review income, credit score, employment, down payment, and existing debts to determine if a borrower qualifies for a mortgage.
How much mortgage can I qualify for?
The amount depends on your income, credit score, debts, and down payment. Lenders also use affordability ratios to determine how much you can borrow.
How much equity do I need to refinance my home?
In Canada, homeowners can typically refinance up to 80% of their home’s value, depending on lender guidelines and qualifications.
Do I need good credit to refinance my mortgage?
Stronger credit usually helps secure better rates, but there are also alternative lending options available.
Do I need an appraisal to refinance?
Most lenders require a property appraisal to confirm the current market value of the home.
How much can I borrow for a commercial property?
Most commercial lenders finance between 65% and 75% of the property value, depending on the property type and financial strength of the borrower.
How do lenders qualify commercial mortgage applications?
Lenders typically review the property income, borrower experience, credit profile, and the loan-to-value ratio to determine eligibility.
What types of properties qualify for commercial mortgages?
Commercial mortgages can finance properties such as office buildings, retail plazas, apartment buildings, industrial properties, and mixed-use developments.
What do lenders require for a construction mortgage?
Lenders usually require building plans, a construction budget, builder information, and an appraisal based on the completed value of the property.
How are funds released in a construction mortgage?
Lenders typically release funds in draws at key stages of construction, such as foundation, framing, and completion.
How does a construction mortgage work?
A construction mortgage provides financing in stages as the home is being built. Funds are released in scheduled draws during key phases of construction.
OS Mortgages — Olga Shvetsov, Mortgage Agent (Level 1)
I am Olga Shvetsov, the mortgage agent at OS Mortgages. I provide mortgage services to help buyers, owners, and investors make confident decisions.
Contact
Olga Shvetsov, Mortgage Agent
(647)299-4336
[email protected]
Hours
Mon–Fri: 9am – 5pm
Sat: By appointment
Sun: By appointment
© 2026 OS Mortgages. All rights reserved. Olga Shvetsov is the mortgage agent ( Level 1) at OS Mortgages. Licensing and regulatory information is available upon request.