We are licensed Ontario mortgage agents. We arrange cottage and second home mortgages for buyers across the province, with a practical plan for the purchase and ongoing costs.
Jeff is a licensed Mortgage Agent Level 2 with BRX Mortgage Inc. Talk with him about your cottage plans, the property you are considering and how financing fits alongside your current home.
Emily is a licensed Mortgage Agent Level 1 with BRX Mortgage Inc. Bring your questions about the purchase, down payment and monthly costs. You can start with a listing or an idea.
A cottage file has more parts than a city purchase, and most of them are about the property. This is the work we do on each one.
Road access, heat, water, septic and whether it is an island. We tell you before you write an offer which lenders would finance it and what you would need down.
Savings, a home equity line of credit on your house, a refinance or a mix. We lay out the monthly cost of each so you can pick.
Big banks, credit unions, monoline and alternative lenders all have different cottage rules. We compare financing options for the property and your circumstances.
We order the appraisal, handle the lender conditions, work with your lawyer and keep you posted until you have the keys.
On most mortgages, the lender pays us a fee when your mortgage closes, so our advice costs you nothing. On some files, such as private or alternative lending, there can be a broker fee. If there is, we tell you the amount in writing before you agree to anything.
Jeff Mudrick (M21001275) and Emily Mudrick (M26000497) are licensed by the Financial Services Regulatory Authority of Ontario (FSRA) and work under BRX Mortgage Inc., FSRA brokerage licence 13463. You can look up any licence on the FSRA website.
Call or text 416-628-9682, email jeff@mudrickmortgages.com, or book a call. Browse the cottage guides or Ontario cottage regions first if you are still deciding where to look.
Bring a listing, a lake or a few questions.
Or call or text 416-628-9682