Mortgages by Aubrey
Aubrey Borenstein
Aubrey Borenstein
FSRAO · Lic# M20001408 · Level 2
Licensed Mortgage Agent · Level 2

Your mortgage,
done properly.

One Ontario mortgage agent, 60+ lenders, zero hand-offs. Whether you're buying, refinancing, renewing, or investing, I'll find the right fit and handle it from start to close.

Book a Call Start Application or text me
5+
Years experience
60+
Lenders
$118M
Funded in mortgages
L2
Licensed Agent
Real Clients, Real Deals

Hear it from them, not me.

Actual clients I closed for — speaking in their own words.

More on TikTok
What I Do

Every mortgage path, covered.

From your first pre-approval to your fifth investment property — I handle the whole thing.

Pre-Approval

Know your real purchasing power before you start house hunting. Rate lock up to 120 days.

Get pre-approved →

Purchase

First home, next home, or dream home — I'll match you with the best lender and product for the deal.

Talk it through →

Refinance / HELOC

Lower payments, consolidate debt, or unlock equity for renovations or investments.

Explore options →

Investment Properties

Rental financing, BRRRR strategies, multi-property portfolios — I speak investor.

Let's strategize →
Aubrey Borenstein
Meet Aubrey

Not another bank. Not another rate quote.

I'm Aubrey Borenstein — a Licensed Mortgage Agent Level 2 with over 5 years in the financial industry. I work with 60+ lenders: big banks, credit unions, monolines, B-lenders, and private capital — so I can match your file to the right product, not just the one a single bank sells.

Most of my clients don't pay a brokerage fee. The lender pays me when the deal funds. Clear, simple, and always disclosed upfront.

BRX Mortgage Inc.
FSRAO Lic# M20001408 · Independently Owned & Operated
Fast turnaround
Pre-approval in 24-72 hrs
No brokerage fee
For most A-lender deals
Personal service
You get my direct line
Same-day replies
Text, call, or email
How It Works

Five steps. Zero confusion.

1

Consult

We chat about your goals, finances, and timeline.

2

Shop

I compare 60+ lenders for the best product and rate.

3

Pre-Approve

Lock a rate up to 120 days and shop with confidence.

4

Apply

Offer accepted? I drive the full application through.

5

Close

Funds hit. Keys in hand. I stick around for life.

Run the Numbers

Free calculators.
Real numbers, instant results.

Crunch it right here, then start an application when you're ready.

How much can I afford?

Three quick questions. No email needed to see your number.

$120,000
$40K$500K
$
$80,000
$0$500K
$
$500
$0$5,000
Car loans, student loans, credit card minimums, line of credit payments.
How this works

Banks use GDS (housing costs ÷ income) and TDS (all debts ÷ income) ratios. I use 45% GDS and 45% TDS with today's stress-test rate — matching what my top-tier lenders will actually approve.

What you can buy

Estimated max purchase price
$0
Based on current rates & your inputs
Max mortgage amount —
Estimated monthly payment —
Stress-test rate used —
Down payment % of price —
Book a call to confirm →
Email me this scenario

Estimate only. Real pre-approval confirms credit, income, and down-payment source.

Good Questions

Frequently asked.

What is a mortgage pre-approval?
A pre-approval is an initial assessment that determines how much you may be able to borrow and at what rate. You can lock in a rate for up to 120 days while shopping — protecting you from rate hikes. Final approval still requires full documentation and a property review.
How much do I need for a down payment?

In Canada:

  • 5% on the first $500,000
  • 10% on the portion between $500,000 and $1,499,999
  • 20% for homes priced at $1.5M or more

Example on $900,000: $25,000 (5% of $500k) + $40,000 (10% of $400k) = $65,000 minimum. Plus land transfer tax, legal, and closing adjustments.

When does refinancing make sense?
When you want to consolidate high-interest debt, lower your monthly payment, unlock equity for renovations or investments, or improve cash flow. Whether it's actually worth it depends on current rates, your penalty, and your long-term plan — that's a 15-minute call.
What credit score do I need?
  • 680+ — best rates, traditional A-lenders
  • 600-679 — still qualify with some A-lenders
  • 500-600 — alternative (B) lenders available
  • Below 500 — private or specialized lenders

Score matters, but lenders also look at income, equity, and the overall strength of the file.

What documents do I need?
Typically: two pieces of photo ID, income docs (pay stubs, T4s, NOAs, or business financials if self-employed), recent bank statements, current mortgage statement (for refinances), and property tax statement. I'll tell you exactly what applies to your file.
How long does the process take?
Pre-approval is usually 24-72 hours. A full purchase or refinance is typically 2-4 weeks from application to closing. More complex files (self-employed, multiple properties, credit issues) can take longer — but I'll tell you up front.
What's the difference between A, B, and private lenders?

A lenders — big banks, credit unions, trust companies. Lowest rates, strict qualification.

B lenders — flexible qualification, especially for self-employed or bruised credit. Slightly higher rates, lender fees apply.

Private lenders — equity-based, short-term solutions (6-12 months). Highest rates, used when the deal can't fit A or B.

Do you charge brokerage fees?
For most A-lender deals: no. The lender pays me when the deal funds. For alternative, private, or complex mortgages, a fee may apply — but I always disclose it upfront and it's only due at closing.

Ready when you are.

Pick your path. Whether you want to browse rates, chat, or just start the application — I'm one click away.

Book a Call Start Application or text me