5+ years of experience and access to 60+ lenders — banks, credit unions, monolines, alternative, and private. Whether you're buying, refinancing, renewing, or investing, I'll find the right fit and handle it from start to close.
From your first pre-approval to your fifth investment property — I handle the whole thing.
Know your real purchasing power before you start house hunting. Rate lock up to 120 days.
Get pre-approved →First home, next home, or dream home — I'll match you with the best lender and product for the deal.
Talk it through →Lower payments, consolidate debt, or unlock equity for renovations or investments.
Explore options →Rental financing, BRRRR strategies, multi-property portfolios — I speak investor.
Let's strategize →Actual clients I closed for — speaking in their own words.
Crunch real numbers right here, then start an application when you're ready.
Insured mortgages (under 20% down) are normally capped at 25 years. 30 years is only allowed if you're a first-time buyer or buying new construction.
Estimates only. Real approval depends on your full application.
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.
We chat about your goals, finances, and timeline.
I compare 60+ lenders for the best product and rate.
Lock a rate up to 120 days and shop with confidence.
Offer accepted? I drive the full application through.
Funds hit. Keys in hand. I stick around for life.
In Canada:
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.
Score matters, but lenders also look at income, equity, and the overall strength of the file.
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.
Pick your path. Whether you want to browse rates, chat, or just start the application — I'm one click away.
