Contact us to learn more about our unbiased home financing advice and how we can help you get approved for the right mortgage and financing at great low rates to suit your unique situation. Don’t wait; reach out to us now and let us help you navigate the path to owning a beautiful home in Stratford, Perth County, Kitchener, New Hamburg, or Waterloo.

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  • First-Time Home Buyer Mortgages
  • Refinance
  • Renewals

This service is designed to help first-time homebuyers navigate the complex process of purchasing a home. Our team of mortgage experts will guide you through the process, from pre-approval to closing, and ensure that you get great mortgage rates and terms available.

  • Customized mortgage solutions tailored to your unique financial situation
  • Access to competitive mortgage rates and flexible repayment terms
  • Assistance with government incentive programs, such as the First-Time Home Buyer Incentive (FTHBI) and the Home Buyers’ Plan (HBP)
  • Expert advice and guidance throughout the entire home-buying process

The mortgage refinance service that we offer allows homeowners to access the equity in their homes to finance home improvements, consolidate debt, or lower their monthly mortgage payments.

  • Home Improvement Mortgage Loans allow homeowners to finance the cost of renovations, repairs, or upgrades to their homes. This type of mortgage can help increase the value of your home and improve your living space.
  • Debt Consolidation combines multiple debts into a single loan with a lower interest rate. It can help you simplify your finances, reduce your monthly payments, and pay off your debts faster.
  • Home Equity Loans are a type of loan that allows homeowners to borrow money against the equity they have built up in their homes. It can be a good option for those who need access to cash for large expenses like home renovations, education, or medical bills.
  • Line of Credit is a flexible loan option that allows you to borrow money up to a predetermined limit. It can be used for various purposes, such as home renovations, unexpected expenses, or to cover cash flow gaps in your business.

At Mortgage Architects, we offer a mortgage renewal service that allows homeowners to renew their existing mortgage at a competitive rate and term.

  • Access to competitive mortgage rates and flexible repayment terms
  • Expert advice on whether to renew with your current lender or switch to a new lender
  • Assistance with negotiating better mortgage terms and conditions
  • Streamlined renewal process with minimal paperwork and hassle

“We recently bought our first house and worked with Nicole Tracey Mortgage Architects to find the right mortgage for our needs. I can’t say enough good things about Nicole and her service. She explained the whole process and our options to us. She is knowledgeable, kind, responsive, and always professional. We would definitely work with Nicole again and will recommend her to our family and friends.”

- Zoe Purdy



Mortgage pre-approvals allow homebuyers to shop for their dream home confidently, knowing how much they can afford to borrow. We get these done efficiently which provides peace of mind.

  • Access to competitive mortgage rates and flexible repayment terms
  • Faster home buying process with pre-approved financing in place
  • Lock in your mortgage rate for up to 120 days
  • Expert advice on choosing the right mortgage product for your unique financial situation
Reverse Mortgage

Reverse Mortgage

A Reverse Mortgage is a loan secured against the value of your home. Unlike a traditional mortgage, you don’t have to make any regular payments until you sell your home or no longer live in it. If Reverse Mortgages is something new to you, we can offer expert advice to bring you up to speed.

  • Access to tax-free cash without having to sell your home or take on monthly mortgage payments
  • No income or credit requirements
  • Flexible repayment options that allow you to choose when and how much you repay
  • Expert advice on whether a Reverse Mortgage is right for you
Investment properties

Investment properties

We arrange investment property mortgages for real estate investors looking to purchase rental properties. It includes competitive interest rates to save money in the long run.

  • Vacation Property Mortgages offer access to financing for second homes and vacation properties.
  • Multi-Residential Property Mortgages empower investors looking to purchase properties with multiple units.
  • New Construction Financing provides financing for new home construction projects.

“Nicole is very professional and helped us to find a new mortgage provider with a good rate for our needs. I look forward to our continued relationship.”

- Dianne Dolson