Clear, unbiased guidance for every mortgage decision you make.
Expert Mortgage Consulting
Most people talk to lenders when they’re already in “urgent mode”—offer in hand, renewal letter on the table, or money needed yesterday. Expert mortgage consulting flips that around.
At Mortgage art, Sepideh “Sepi” Sabet offers advisory-first support: focused conversations, data-driven insights, and long-term thinking so your mortgage choices support your bigger financial picture, not just the next deadline.
With a strong background in financial education and over 15 years inside Canada’s banking and real estate financing world, Sepi understands how lenders make decisions—and how to help you make yours with confidence and clarity.
Bring your questions, numbers, and plans. We’ll sort through them together.
Our Expert Mortgage Consulting Services
Personalized Lending Advice
This is your space to ask the questions that don’t fit neatly into a bank’s 30-minute appointment.
What this can include:
- Reviewing offers, pre-approvals, or renewal letters you’ve received
- Explaining terms, conditions, and “fine print” in plain language
- Helping you decide between competing options (or whether to wait)
- Talking through how today’s choice affects your future flexibility
You leave with a clearer understanding of what’s on the table, what’s missing, and what aligns best with your personal goals—not anyone else’s sales targets.
Long-Term Mortgage Planning
Your mortgage isn’t just debt; it’s a piece of your overall life plan—moving, renovating, investing, supporting family, or eventually downsizing.
In long-term planning sessions, we:
- Map out where you are now: income, debts, equity, and time horizons
- Identify key milestones (growing family, career moves, retirement targets, future purchases)
- Explore how different mortgage structures support or restrict those milestones
- Build a flexible “mortgage roadmap” so decisions feel intentional, not reactive
This service is especially helpful if you’re thinking beyond a single property and want your financing to stay aligned with your evolving life.
Rate Comparison & Strategy Sessions
Rates matter—but the way your rate is structured matters just as much.
Rather than chasing the lowest number you see online, we help you understand the strategy behind it.
We’ll work through:
- The pros and cons of fixed, variable, and hybrid approaches
- How term length, pre-payment features, and penalties affect real-world cost
- What to consider in a rising, falling, or uncertain rate environment
- Scenarios that compare “cheap today” vs. “flexible and resilient over time”
You’ll walk away with a clear rate strategy that matches your risk comfort, your cash flow needs, and your future plans.
How Expert Mortgage Consulting Works
Discovery & Goal Setting
We start with a conversation about what’s prompting your questions: an upcoming purchase, renewal, life change, or simply wanting to feel more in control.
Information & Document Review
You can share lender offers, current mortgage details, or rough numbers. We review them from both a lender’s and a planner’s perspective.
Scenario Building & Discussion
Together, we look at different paths you could take, the trade-offs of each, and how they show up in your monthly budget and long-term outlook.
Action Plan & Next Steps
You leave with a practical, written summary of your options and recommended next moves—whether that’s applying now, renegotiating, waiting, or preparing for a future milestone.
Optional Follow-Up
As circumstances or offers change, you can reconnect to update your plan and make sure decisions still align with your goals.
Why Work With Mortgage art NOW for Consulting, Not Just Mortgages
Lender Insight You Can Use
Sepi has worked for major Canadian banks for many years, earning national awards for integrity and client service. She knows how files are assessed behind the scenes—and uses that knowledge to demystify the process for you.
Financial Education at the Core
Concepts like amortization, breakage penalties, blended rates, and debt ratios are explained in everyday language. You’ll never be expected to “just know” the jargon.
Advice-Oriented, Not Product-Driven
The focus is on helping you make wise decisions, not pushing you toward a particular option. Sometimes the best move is to not change anything—and that will be clearly explained when it’s the case.
Holistic Perspective
Your mortgage is considered alongside the rest of your financial life: savings, investments, business, family, and long-term plans.
Support at Every Stage
Whether you’re years away from buying, managing multiple properties, or simply rethinking your current structure, the consulting is tailored to where you are right now.
Satisfied Clients
What Our Clients Say – Real Stories, Real Satisfaction
Frequently Asked Questions
Do I need to be ready to apply for a mortgage to book consulting?
No. Many people use consulting specifically to get ready—or to decide whether now is the right time.
Can you review an offer my bank or another broker gave me?
Yes. We can walk through it together so you understand the strengths, gaps, and questions you may want to ask.
Is this only for complex situations?
Not at all. Even “simple” renewals or first-time purchases can benefit from a second set of experienced eyes.
Will you always recommend changing my current mortgage?
No. If staying where you are is your best option, we’ll say so—and explain why.
How should I prepare for a consulting session?
Have your current mortgage details, any recent offers, and a rough idea of your goals or concerns. We’ll take it from there.
Ready to Get Expert Eyes on Your Mortgage Decisions?
If you’re tired of feeling rushed, pressured, or unsure about the advice you’re getting, an expert consulting session can bring everything into focus.
Let’s turn your questions into a clear, confident plan—before you sign anything.