Mortgage financing can be  frustrating.

It doesn't have to be.

Here's our 3 step plan.

STEP ONE

Get in touch.

The best place to start is by letting us know who you are! Click the start here button below and you'll be directed to a page where you can complete an online application, schedule a meeting to discuss your financial situation, connect with us on the phone, or send us a quick message.

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STEP TWO

Walk through the process together.

Our experienced staff have mastered the mortgage process. Let us guide you through getting the best mortgage product for you! In our online portal you'll be able to do the following:

  • Upload all of your documents in one place (paperless)
  • Add your real estate agent and lawyer (collaborating saves time)
  • Compare all mortgage types and features from different lenders
  • Customize the perfect mortgage to match your lifestyle
  • Make calculations based on different financial scenarios
  • Sign all documents online to complete your mortgage financing
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STEP THREE

Accountability moving forward.

The Canadian mortgage industry can change overnight. Don’t be surprised to get a call from one of our experts with updated options when things change. We continually work to save you money at every stage of your home ownership journey.


We're committed to ensuring you have the lowest overall cost of borrowing throughout the life of your mortgage! As long as you need a mortgage, we're here to help.

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Trusted by Our Clients 

With hundreds of 5-star reviews, our clients are at the heart of everything we do. Each review reflects the care, expertise, and commitment our team brings to making the mortgage process simple and stress-free.

From first-time buyers to seasoned homeowners, we’re proud to have built a reputation for trust, transparency, and results. Your stories inspire us—and we’re grateful for every client who takes the time to share their experience.

When you choose us, you’re not just getting a mortgage broker—you’re joining a community that puts people first.

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500+ Google reviews from indi clients

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Our Services

We have the right mortgage if you are...

  • BUYING YOUR FIRST HOME

    If you're looking to buy your first home, you've come to the right place. Our mortgage experts will simplify everything and guide you through the entire process. We're with you every step of the way! 


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  • BUYING YOUR NEXT HOME

    If you own a home, but you've got your eyes set on your next home, there's a lot to consider. We have the experience to ask the right questions and make sure you explore all your options before making your move! 


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  • REFINANCING YOUR MORTGAGE

    If you're looking to potentially access some of the equity you've built up in your home, we can help. There are many reasons to refinance; let us outline the best way to make that happen at the lowest cost to you! In fact, depending on your current mortgage, there's a possibility a mortgage refinance could save you money long term! 


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  • RENEWING YOUR MORTGAGE

    If your current mortgage term is within 6 months of being complete, we'd love to hear from you. Don't just sign your lender's renewal offer, you've got negotiating power, we'd love to negotiate on your behalf!  


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  • BUYING A CONDO

    If you're looking to buy a condo, you've come to the right place. Understanding condo documents and presenting them to a lender to secure mortgage financing can be difficult. Let our mortgage experts guide you through the process.


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  • BUYING INVESTMENT PROPERTY

    There are many ways you can go about building a real estate investment portfolio. Having a clear plan is crucial. At Axiom, we understand the intricacies of financing investment property and would love to work with you. 


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  • SELF-EMPLOYED

    If you're self-employed or run your own business, chances are your income will be subject to heightened lender scrutiny when looking for a mortgage.  At Axiom, we know exactly how lenders look at self-employed income and will help build a plan to ensure you get the best financing available.


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  • GOING THROUGH A DIVORCE

    If you are working through your options as a recently separated or divorced person, we have access to mortgage products designed for you. Our mortgage experts know exactly how to help you through this difficult time. 


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"I had a great experience working with indi."

"indi makes it a priority to ensure their clients are educated throughout the whole mortgage process. As a first time buyer it can be a confusing and overwhelming process – they were patient and helped me understand everything I needed to know and answered my questions."


Patricia Kopec

indi Mortgage homeowner since July 2016. 

Put our experience to work for you

Indi Mortgage has been helping Canadians achieve their home ownership and real estate investment goals since 2001. Welcome to our family.

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University of Guelph Athletics

Home of the Guelph Gryphons. The University supports student-athletes, coaches, and fans across 17 different sports. Promoting physical education through structured competitive environments helps the next generation gain a clear advantage.

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The Junior Gryphons are over 6000 children, and 68 rep teams across 5 different sports in our community. Children as young as 3 start participating in team activities, building social skills, and making friends.

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The Children’s Foundation empowers children and youth by connecting families with opportunities to build hope for lifelong change and break the cycle of poverty. Over 1,000 volunteers work with the Foundation to make our neighborhoods that much brighter.

YOU make it possible for us to support these organizations!

THANK YOU!

Resources to keep you learning

Sharing knowledge and empowering Canadians is in our DNA. Our blog is filled with tips, tricks and expert advice that can help you save thousands.

Smart Steps to Get Your Home Market-Ready

By Champion • September 10, 2025
Thinking About Selling Your Home? Start With These 3 Key Questions Selling your home is a major move—emotionally, financially, and logistically. Whether you're upsizing, downsizing, relocating, or just ready for a change, there are a few essential questions you should have answers to before you list that "For Sale" sign. 1. How Will I Get My Home Sale-Ready? Before your property hits the market, you’ll want to make sure it puts its best foot forward. That starts with understanding its current market value—and ends with a plan to maximize its appeal. A real estate professional can walk you through what similar homes in your area have sold for and help tailor a prep plan that aligns with current market conditions. Here are some things you might want to consider: Decluttering and removing personal items Minor touch-ups or repairs Fresh paint inside (and maybe outside too) Updated lighting or fixtures Professional staging Landscaping or exterior cleanup High-quality photos and possibly a virtual tour These aren’t must-dos, but smart investments here can often translate to a higher sale price and faster sale. 2. What Will It Actually Cost to Sell? It’s easy to look at the selling price and subtract your mortgage balance—but the real math is more nuanced. Here's a breakdown of the typical costs involved in selling a home: Real estate agent commissions (plus GST/HST) Legal fees Mortgage discharge fees (and possibly a penalty) Utility and property tax adjustments Moving expenses and/or storage costs That mortgage penalty can be especially tricky—it can sometimes be thousands of dollars, depending on your lender and how much time is left in your term. Not sure what it might cost you? I can help you estimate it. 3. What’s My Plan After the Sale? Knowing your next step is just as important as selling your current home. If you're buying again, don’t assume you’ll automatically qualify for a new mortgage just because you’ve had one before. Lending rules change, and so might your financial situation. Before you sell, talk to a mortgage professional to find out what you’re pre-approved for and what options are available. If you're planning to rent or relocate temporarily, think about timelines, storage, and transition costs. Clarity and preparation go a long way. The best way to reduce stress and make confident decisions is to work with professionals you trust—and ask all the questions you need. If you’re thinking about selling and want help mapping out your next steps, I’d be happy to chat anytime. Let’s make a smart plan, together.

How Payment Frequency Impacts Mortgage Financing

By Champion • September 3, 2025
You’ve most likely heard that there are two certainties in life; death and taxes. Well, as it relates to your mortgage, the single certainty is that you will pay back what you borrow, plus interest. With that said, the frequency of how often you make payments to the lender is somewhat up to you! The following looks at the different types of payment frequencies and how they impact your mortgage. Here are the six payment frequency types Monthly payments – 12 payments per year Semi-Monthly payments – 24 payments per year Bi-weekly payments – 26 payments per year Weekly payments – 52 payments per year Accelerated bi-weekly payments – 26 payments per year Accelerated weekly payments – 52 payments per year Options one through four are straightforward and designed to match your payment frequency with your employer. So if you get paid monthly, it makes sense to arrange your mortgage payments to come out a few days after payday. If you get paid every second Friday, it might make sense to have your mortgage payments match your payday. However, options five and six have that word accelerated before the payment frequency. Accelerated bi-weekly and accelerated weekly payments accelerate how fast you pay down your mortgage. Choosing the accelerated option allows you to lower your overall cost of borrowing on autopilot. Here’s how it works. With the accelerated bi-weekly payment frequency, you make 26 payments in the year. Instead of dividing the total annual payment by 26 payments, you divide the total yearly payment by 24 payments as if you set the payments as semi-monthly. Then you make 26 payments on the bi-weekly frequency at the higher amount. So let’s use a $1000 payment as the example: Monthly payments formula: $1000/1 with 12 payments per year. A payment of $1000 is made once per month for a total of $12,000 paid per year. Semi-monthly formula: $1000/2 with 24 payments per year. A payment of $500 is paid twice per month for a total of $12,000 paid per year. Bi-weekly formula: $1000 x 12 / 26 with 26 payments per year. A payment of $461.54 is made every second week for a total of $12,000 paid per year. Accelerated bi-weekly formula: $1000/2 with 26 payments per year. A payment of $500 is made every second week for a total of $13,000 paid per year. You see, by making the accelerated bi-weekly payments, it’s like you end up making two extra payments each year. By making a higher payment amount, you reduce your mortgage principal, which saves interest on the entire life of your mortgage. The payments for accelerated weekly payments work the same way. It’s just that you’d be making 52 payments a year instead of 26. By choosing an accelerated option for your payment frequency, you lower the overall cost of borrowing by making small extra payments as part of your regular payment schedule. Now, exactly how much you’ll save over the life of your mortgage is hard to nail down. Calculations are hard to do because of the many variables; mortgages come with different amortization periods and terms with varying interest rates along the way. However, an accelerated bi-weekly payment schedule could reduce your amortization by up to three years if maintained throughout the life of your mortgage. If you’d like to look at some of the numbers as they relate to you and your mortgage, please don’t hesitate to connect anytime; it would be a pleasure to work with you.

From Summer Shine to Fall Fine: Smart Home Projects to Tackle Before the First Frost

By Champion • August 27, 2025
As patios wind down and pumpkin spice ramps up, fall is the perfect reset for your home—and your homeowner game plan. These quick wins boost comfort, curb appeal, and efficiency now, and set you up for a low-stress winter (and a strong spring market). 1) Safety & “silent leak” checks (Weekend-ready) Clean gutters & downspouts. Add leaf guards where trees overhang. Roof scan. Look for lifted shingles, cracked flashings, or moss. Seal the shell. Re-caulk window/door trim; replace weatherstripping. Test alarms. New batteries for smoke/CO detectors; add one near bedrooms. Why it matters: Prevent water intrusion and heat loss before storms roll in. 2) Heat smarter, not harder Furnace/boiler tune-up and filter change. Smart thermostat with schedules and geofencing. Draft hunt. Foam gaskets behind outlets, door sweeps on exterior doors. ROI tip: Efficiency upgrades lower monthly bills and can improve lender ratios if you’re eyeing a refinance later. 3) Fall-proof your yard (so spring you says “thanks”) Aerate + overseed + fall fertilize for thicker turf next year. Trim trees/shrubs away from siding and power lines. Mulch perennials and plant spring bulbs now. Shut off/bleed exterior taps and store hoses to avoid burst pipes. 4) Extend outdoor season (cozy edition) Portable fire pit or propane heater + layered blankets. Path/step lighting for darker evenings (solar or low-voltage). Weather-resistant storage for cushions/tools to preserve value. Neighborhood curb appeal: Warm lighting and tidy beds make a big first impression if you list in shoulder season. 5) Water management = winter peace of mind Re-grade low spots and add downspout extensions (2–3+ metres). Check sump pump (and backup). Look for efflorescence or damp corners in the basement. 6) Mini-renos that punch above their weight Entry/mudroom upgrade: hooks, bench, boot trays, closed storage. Laundry room tune-up: counter over machines, sorting bins, task lighting. Kitchen refresh: new hardware, tap, and under-cabinet lighting in one afternoon. Budget guide: Many of these land under a micro-reno budget—perfect for a modest line of credit. 7) Indoor air quality tune-up Deep clean vents and dryers (including the rigid duct). Add door mats (exterior + interior) to catch grit/salt. Houseplants or HEPA purifier for closed-window months. Fast Timeline (pin this to the fridge) Late August–September Gutters/downspouts, roof/caulking, HVAC service, lawn care, plant bulbs, exterior tap shut-off plan, path lighting. October Weatherstripping/sweeps, fire pit setup, organize mudroom/garage, test alarms, sump check, downspout extensions, dryer vent cleaning. Financing smarter: make your mortgage work for your home Annual mortgage check-in. As rates, income, and goals evolve, a quick review can free up cash flow or open options for a small fall project budget. HELOC vs. top-up refinance. For bite-size projects, a HELOC can be flexible. For bigger renos you plan to pay down, a top-up refi might make more sense. Bundle & prioritize. Knock out the high-impact, low-cost items first (air sealing, safety, water management) before the cosmetic upgrades. Not sure which route fits your fall plans? We’ll run the numbers and map the best financing path for your specific budget and goals. Quick Checklist (copy/paste) ☐ Clean gutters/downspouts; add guards ☐ Roof & flashing visual check ☐ Re-caulk, weatherstrip, add door sweeps ☐ HVAC service + new filter ☐ Aerate/overseed/fertilize; trim trees; plant bulbs ☐ Path & entry lighting ☐ Drain/bleed outdoor taps; store hoses ☐ Downspout extensions; sump test ☐ Dryer vent cleaning ☐ Mudroom/garage organization ☐ Schedule mortgage review / discuss HELOC vs refi Ready to make fall your low-stress season? Book a quick fall mortgage check-up—15 minutes to see if a small credit line or a tweak to your current mortgage could cover your priority projects without straining cash flow.

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Getting Started?

The best place to start the mortgage process is by completing an online application. There are no fees or commitment to do this. Once we have your application, we'll be in touch!

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Make some calculations

If you'd like to run a few calculations before getting started, we'd love to help you. First tell us where you are in your journey to buying a home

I'm just getting started

Exciting times!  Let's find out how much you'll be able to afford once you decide to buy.

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I have a home in mind

Great! Let's find out whether you'll be able to afford to buy it!

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I want to refinance my home.

No problem! Let's find out how much you could take out.

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Looking for a quick answer?

If you'd rather send a quick note to get the process started, go ahead, we'd love to hear from you. 

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Schedule a meeting.

While the best way to get in touch with us is through the online application, if you'd prefer to talk with someone, we're accessible to you!

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