Mortgage Art – Personalized Home Financing with Sepi Sabet
Experience the transformation with our dedicated team, delivering vibrant results that last.
Mon-Fri (8am-5pm) Sat-Sun (10am-1pm)
Contact Us +416-400-1001
// Why Choose Sepi?
Your Trusted Partner In Home Financing
Tailored Mortgage Strategies
Every client story is different, and your mortgage should reflect that. I look at your full picture—income, future plans, risk comfort, and timing—to design lending solutions that are built around you, not a generic bank template. Whether you’re buying, renewing, investing, or restructuring, you get a strategy that fits the next stage of your life.
Expert Guidance From Start To Finish
With 15+ years in Canadian banking and mortgage lending, I know how underwriters think, what slows files down, and what helps them move quickly. I translate complex lender policies into clear, practical next steps so you always know what’s happening, why it matters, and what comes next on the path to approval.
Fast Approvals And Competitive Options
Through Mortgage Art, I work with a wide range of banks, credit unions, and alternative lenders. That gives you access to competitive rates and programs—including specialized solutions for self-employed clients, newcomers, investors, and professionals—without you having to shop around on your own or repeat your story a dozen times.
// About Us
About Mortgage Art
Experienced, Caring, And Client-Focused
I’ve helped Canadians navigate mortgages through changing markets, new regulations, and every kind of life transition. With a background in financial education and a long career inside major Canadian banks, I understand both sides of the desk—what you need to feel confident, and what lenders need to say yes.
My approach is simple: educate first, recommend second. I walk you through your options in plain language, explain the long-term impact of each choice, and make sure every decision supports your bigger goals—family, career, and financial independence.
From first-time buyers and newcomers to seasoned investors and builders, I treat every file as a relationship, not a transaction. My goal is to give you a calm, organized mortgage experience where you feel supported from the first conversation to the day you get your keys (and beyond).
// Our Services
Explore Our Expert Mortgage Services
Residential Mortgage Solutions
I help you buy or upgrade your home with lending options designed around your budget and timeline. From first purchases to renewals and move-up homes, I’ll clarify your numbers, compare lenders, and help you choose a structure that lets you sleep at night.
Includes: Home Purchases & Renewals, First-Time Homebuyer Guidance, Switch & Save Consultations, Rate Strategy Planning, Credit Optimization & Pre-Approval Consultations.
Construction & Builder Financing
I support ground-up and pre-construction projects with financing that matches deposit schedules, draws, and final take-out mortgages. Whether you’re a buyer or a builder, I help ensure each stage—from contract to completion—is financially aligned and well planned.
Includes: Pre-Construction Mortgages (From Deposit To Closing), Builder & Development Financing.
Commercial & Investment Mortgages
I structure lending for income-producing real estate like mixed-use buildings, rental portfolios, and owner-occupied commercial spaces. I focus on cash flow, covenants, and lender fit so your properties support your investment strategy instead of limiting it.
Includes: Commercial & Investment Property Financing, Mixed-Use & Multi-Unit Properties, Small Business Mortgages, Rental Portfolios & Real Estate Investments.
Refinancing & Equity Solutions
I review your existing mortgage to see if restructuring can genuinely improve your situation. Together, we decide whether it makes sense to refinance, consolidate higher-cost debt, or take out equity for renovations, investments, or other goals—with a clear view of both short- and long-term impact.
Includes: Mortgage Refinancing, Debt Consolidation, Home Equity Take-Out.
Specialized Mortgage Programs
I offer tailored solutions for unique situations such as business owners, medical and dental professionals, newcomers, and foreign buyers. These programs are built around alternative income verification, cross-border realities, and builder-specific financing needs—so your mortgage reflects how you actually live and earn.
Includes: Self-Employed & Business-Owner Programs, Newcomer & Work-Permit Programs, Professional Program (Medical, Dental), Builder Program (Pre-Constructions, Newly Built), Foreign Buyer Program.
Expert Mortgage Consulting
If you don’t necessarily need a new mortgage but want clarity, I’m here as your sounding board. I help you compare offers, design a long-term mortgage path, and choose smart rate strategies so every decision you make today supports where you want to be tomorrow.
Includes: Personalized Lending Advice, Long-Term Mortgage Planning, Rate Comparison & Strategy Sessions.
// Satisfied Clients
What Our Clients Say – Real Stories, Real Satisfaction
Get in Touch!
Expert Guidance For Every Step Of Your Mortgage Journey
Whether you’re just beginning to explore your options or you’re facing an urgent decision, you don’t have to navigate the mortgage world alone. I offer clear explanations, thoughtful strategies, and hands-on support—from our first conversation to your final signature. Share a few details about your goals, and I’ll help you map out your next best step.