Our Services
Mortgage Solutions for Every Borrower
Whether you're buying your first home, refinancing, or growing your investment portfolio, we work to find the right mortgage product for your situation. All services are provided by Launie McDonald, Mortgage Agent Level 1, operating under BRX Mortgage Inc.
Purchase Mortgages
Finance your next home with confidence.
We offer access to a full range of purchase mortgage options — insured, insurable, and conventional — tailored to your financial profile and property goals. We shop 50+ lenders to work toward the most competitive rate available.
Get Pre-ApprovedWhat's Included
- Insured mortgages with as little as 5% down
- Conventional mortgages with 20%+ down payment
- CMHC, Sagen, and Canada Guaranty insured products
- Fixed and variable rate options
- Amortizations up to 30 years for insured mortgages
Refinancing
Lower your rate. Reduce your term. Access your equity.
A refinance can save you money over the life of your mortgage. We analyze your current mortgage and identify the best refinance strategy — whether that's a rate-and-term refinance, equity take-out, or debt consolidation.
Explore RefinancingWhat's Included
- Rate-and-term refinancing
- Equity take-out up to 80% LTV
- Debt consolidation refinancing
- Switch and transfer at renewal
- Blend-and-extend options
Investment Properties
Build wealth through real estate.
From single-family rentals to multi-unit acquisitions, we work to source investment property financing across Canada. We understand the unique requirements of investor mortgages and work to keep your deals on track.
Talk to Us About Investment MortgagesWhat's Included
- Single-family and multi-unit rentals
- Up to 4-unit residential investment properties
- Rental income qualification strategies
- Portfolio and alternative lending options
- BRRRR strategy financing
First-Time Buyers
Your first home starts here.
Buying your first home is one of the biggest decisions of your life. We make the process clear, manageable, and rewarding — from pre-approval to closing day. We'll walk you through every step, including available government programs.
Start Your JourneyWhat's Included
- First Home Savings Account (FHSA) guidance
- Home Buyers' Plan (RRSP withdrawal) information
- Land transfer tax rebate information
- Insured mortgage options from 5% down
- Dedicated first-time buyer support
High-Value Mortgages
Premium financing for premium properties.
For higher-value properties requiring conventional financing, we work with lenders who offer competitive rates and flexible terms for luxury and high-balance mortgages across Canada.
Inquire About High-Value MortgagesWhat's Included
- Conventional financing for higher-value properties
- Primary residence and investment options
- Fixed and variable rate products
- Access to lenders specializing in high-balance mortgages
- Personalized service throughout the process
Renewals & Switches
Your renewal is a chance to do better.
Don't just sign your bank's renewal offer. At renewal, you have the right to shop the market — and we do that for you. We compare rates across our lender network and help you switch to a better product if one is available.
Review My Renewal OptionsWhat's Included
- Full lender comparison at renewal
- Mortgage switch and transfer options
- Rate negotiation support
- No-cost switch options available through select lenders
- Guidance on fixed vs. variable at renewal
How It Works
From Application to Closing in 4 Steps
Apply & Pre-Qualify
Complete our simple application and get pre-qualified quickly. We review your financial profile and identify the best mortgage programs for your situation.
Mortgage Selection
Launie presents your options with full transparency — rates, terms, and total costs. No pressure, no confusion. You choose what works best for you.
Processing & Underwriting
We manage the process — document collection, appraisal coordination, and lender communication — keeping you informed at every stage.
Close & Fund
Sign your documents and get the keys. We work to keep your closing on schedule and make the final steps as smooth as possible.
Not Sure Which Mortgage Is Right for You?
Launie is ready to help. Schedule a free consultation and we'll find the right solution for your goals.