Kelly Foote, BRX Mortgage

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Kelly Foote, BRX Mortgage Mortgage Broker - Helping good people find great mortgage solutions in Ontario. Specializing in divorce & self-employed clients. BRX Mortgage Inc., FSRA #13463.

FSRA # M21002713 | BRX Mortgage (Licence #13463). Let’s make your next move stress-free. 💼 www.haickmortgages.ca Kelly Foote (formerly Kelly Haick), Licensed Mortgage Broker with BRX Mortgage Inc., based in St. Catharines and serving clients across Ontario. We help with purchases, refinances, renewals, home equity lines of credit and reverse mortgages, with access to a wide lender network including banks, credit unions, monoline and alternative lenders. Specialties: mortgages during separation and divorce, self-employed and business-for-self clients, and complex refinances. Kelly holds the Certified Divorce Specialist (CDS) and Certified Canadian Reverse Mortgage Consultant (CCRMC) designations. Straight answers, a clear plan, and support at every step so you can decide with confidence. Kelly Foote, Mortgage Broker, FSRA .

No question about a mortgage is too small or too early. The best time to ask is before you need the answer.Buying, renew...
10/12/2026

No question about a mortgage is too small or too early. The best time to ask is before you need the answer.

Buying, renewing, refinancing, or just wondering what is possible, let us talk it through.

Book a call, link in bio.

Owing the CRA feels like a moral failing. It is not. It is usually just cash flow timing, and it catches almost every bu...
10/11/2026

Owing the CRA feels like a moral failing. It is not. It is usually just cash flow timing, and it catches almost every business owner eventually.

If you have equity in your home, there is almost always a path to clear it and get your file moving.

No lecture, no shame. Book a call, link in bio.

Why use a broker instead of walking into your own bank? Your bank has one shelf. I shop the whole store.Dozens of lender...
10/10/2026

Why use a broker instead of walking into your own bank? Your bank has one shelf. I shop the whole store.

Dozens of lenders, programs your bank will never mention, and someone whose job is your file, not their menu.

Same you, more doors. Book a call, link in bio.

10/09/2026

Self-employed and got a "no"? You likely weren't declined, you were misread.

Your tax return is built to look small. That's the whole point.

The fix is finding a lender who reads the rest of the story.

Send me a DM and let's translate your file.

You do not need twenty percent down to buy a home in Canada. That myth keeps good people renting for years longer than t...
10/08/2026

You do not need twenty percent down to buy a home in Canada. That myth keeps good people renting for years longer than they needed to.

The real minimum is often far less, and there are programs most buyers never hear about.

Let us look at what you actually need to get in the door. Book a call, link in bio.

The two-year rule is a starting point, not a wall.If you stayed in the same field and went out on your own, your history...
10/07/2026

The two-year rule is a starting point, not a wall.

If you stayed in the same field and went out on your own, your history in that work can count. It depends on the file and the lender, and that's exactly what I look at.

Newly self-employed and thinking about buying? Send me a message.

10/06/2026

Keeping the house after a separation is an emotional decision and a math decision, and people usually do them in the wrong order.

Run the buyout math before you commit to anything. I do this every week.

If you're separating and the house is in question, let's run your real numbers before you're locked in.

Book a call, link in bio.

Wanting to keep the house after a separation makes complete sense. It's home. It's stability for the kids.But before you...
10/05/2026

Wanting to keep the house after a separation makes complete sense. It's home. It's stability for the kids.

But before you agree to it, three numbers matter:
1. Can you qualify on your income alone?
2. What does the buyout cost?
3. What does the monthly payment look like with one paycheque?

I run those numbers before anyone signs anything, so the decision is yours, not the bank's.

Send me a message and we'll look at it together.

Affordability isn't a mystery behind glass.It's two ratios. Understand what feeds them and you can free up real buying p...
09/25/2026

Affordability isn't a mystery behind glass.

It's two ratios. Understand what feeds them and you can free up real buying power just by clearing a single debt.

Separation can affect your mortgage in ways you might not expect.Which one is the lie? Drop your guess below.I’ll reveal...
09/21/2026

Separation can affect your mortgage in ways you might not expect.

Which one is the lie? Drop your guess below.

I’ll reveal the answer on the 23rd.

Address

8 Hiscott Street Unit 10
Saint Catharines, ON
L2R1C5

Opening Hours

Tuesday 9am - 9pm
Wednesday 9am - 9pm
Thursday 9am - 9pm
Friday 9am - 9pm

Telephone

+19053590777

Website

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