Customized Residential Mortgage Solutions
At Mortgage art, Sepideh (“Sepi”) Sabet brings over 15 years of Canadian banking and real estate financing experience to help you secure the right mortgage with clarity, confidence, and zero guesswork.
Whether you’re buying your first home, renewing, or planning your next move, we treat your mortgage like a long-term strategy—not a one-time deal.
Our Residential Mortgage Services
Our Residential Mortgage Services
Whether you’re buying a new home or your existing mortgage is coming up for renewal, the decisions you make now can impact your finances for years.
What we help you with:
- Evaluating different lenders and products
- Choosing between fixed, variable, or hybrid options
- Aligning your mortgage term with your life plans (family, career, future moves)
- Negotiating competitive rates and terms on your behalf
- Reviewing renewal offers so you don’t accept less-than-ideal terms by default
Goal: You don’t just “get a mortgage”—you get a mortgage that fits your life.
From qualification to keys in hand
First-Time Homebuyer Guidance
Buying your first home can feel like learning a new language. Sepi’s background in financial education means you’re not expected to “just know” everything—you’ll be guided, step by step.
You’ll get support with:
- Understanding how much you can realistically afford
- Explaining down payment options and closing costs
- Walking through government incentives and first-time buyer programs (where applicable)
- Structuring your application to show your financial story clearly
- Preparing you for each stage: pre-approval, house hunting, offer, conditions, and closing
Expect straight answers, honest timelines, and a partner who advocates for you—not the bank.
Move your mortgage with confidence
Switch & Save Consultations
Already have a mortgage but not sure if it’s still working for you? A Switch & Save Consultation helps you understand whether moving your mortgage could:
- Lower your interest costs
- Improve your cash flow
- Give you more flexibility (pre-payments, portability, etc.)
We’ll review:
- Your current rate, penalties, and remaining term
- Today’s lending environment and available options
- The true cost/benefit of switching now vs. later
No pressure. No gimmicks. Just clear numbers, explained in plain language so you can decide.
Rate Strategy Planning
Rates change. Your life does too. Instead of guessing or reacting to headlines, we help you build a rate strategy that aligns with your real-world plans.
With Rate Strategy Planning, we:
- Compare fixed vs. variable options based on your risk comfort
- Explore blended or staggered terms (e.g., part fixed, part variable, different maturities)
- Look at your short- and long-term goals (renovations, growing family, future move, retirement)
- Create a plan for future renewals and pre-payment opportunities
This isn’t about chasing the “lowest rate” on paper—it’s about choosing the right rate structure for your life.
Maximize your approval outcomes
Credit Optimization & Pre-Approval Consultations
Strong mortgage approvals start long before you apply.
With Sepi’s experience inside Canadian banking systems, you’ll get an honest, informed perspective on how lenders view your profile—and what to improve before you submit.
In these sessions, we:
- Review your current credit profile and score
- Identify quick wins and longer-term improvements
- Help you understand utilization, payment history, and credit mix
- Outline a realistic pre-approval range
- Show you how to present your income and documents clearly (especially if you’re self-employed)
The goal is simple: maximize your chances of approval and secure better terms by being well prepared.
How Working With Mortgage Art Works
Discovery Call
We start with a conversation—your goals, your concerns, your timeline. No jargon, no pressure.
Financial Snapshot & Strategy
We review your income, debts, savings, and credit profile to build a personalized mortgage roadmap.
Lender & Product Matching
Leveraging Sepi’s experience with multiple lenders, we match you with options that fit your needs—not the other way around.
Application & Approval Support
We help you package your application, explain conditions, and keep you informed at each step.
Closing & Beyond
Once the mortgage funds and you get your keys, we don’t disappear. We remain a long-term partner for renewals, refinances, and future planning.
Why Clients Trust Mortgage Art
Experience You Can Feel
Over 15 years in Canadian banking and real estate financing means Sepi knows how lenders think and what makes a strong file.
Proven Expertise
Sepi has earned multiple national awards at leading Canadian banks for excellence, integrity, and client service—recognition built on real results, not marketing.
Authoritative Guidance, Delivered Simply
With a strong financial education background, complex concepts are broken down into clear, practical explanations. You’ll always understand why we’re recommending a particular path.
Trust at the Core
No hidden agendas. No surprise fees. Every recommendation is grounded in your long-term financial well-being, not in selling a particular product.
Holistic Perspective
From first-time buyers and newcomers to investors, builders, and self-employed professionals, Sepi has walked alongside many types of clients through the full mortgage journey.
Satisfied Clients
What Our Clients Say – Real Stories, Real Satisfaction
Frequently Asked Questions
Do I need perfect credit to get a mortgage?
No. Many clients assume they’re not “bank ready” when they actually have options. During a Credit Optimization & Pre-Approval Consultation, we’ll review what’s possible now and what to improve if waiting makes more sense.
How early should I talk to a mortgage advisor before buying?
Ideally, 3–12 months before you plan to purchase. This gives us time to optimize your credit, savings strategy, and overall profile for the best possible outcome.
What’s the difference between working with you and going directly to my bank?
Banks can only offer their own products. As a mortgage advisor with deep banking experience, Sepi compares options across multiple lenders, looking for the structure and terms that best fit your situation—not just one institution’s.
I’m self-employed—can I still get approved?
Yes, but it may require more planning and documentation. Sepi regularly works with self-employed clients and can help you present your income clearly and accurately to lenders.
Is our first conversation really no obligation?
Absolutely. The goal of the initial consultation is to provide clarity, not commitment. You’ll leave with information you can use—even if you decide not to move forward right away.
Ready to Talk About Your Mortgage?
Your mortgage should support your life—not limit it.
If you’re thinking about buying, renewing, switching, or simply wanting to understand your options, we’re here to guide you with expertise, empathy, and transparency.
Let’s turn your story into a success—one informed decision at a time.