Mortgage guidance that feelsclear.
Buying a home should feel exciting, not overwhelming. I’m Adib El-Khoury, a mortgage professional based in Perth, Ontario, and I help people across the province make smart, confident mortgage decisions. With a background in real estate and entrepreneurship, I focus on more than just getting the lowest rate; I help you find a solution that fits your goals now and in the future.
Outside of mortgages, I stay active in the community by hosting events, working closely with local businesses and realtors, speaking on local radio, and serving as the President of the Perth & District Chamber of Commerce. I’m big on relationships, clear communication, and making the whole process smooth and stress-free.
"Professional and friendly. Quick to respond to both emails and calls. Takes the time to thoroughly discuss all mortgage options. Overall great experience!"
Professional and friendly. Quick to respond to both emails and calls. Takes the time to thoroughly discuss all mortgage options. Overall great experience!
Mortgage options, tailored to your life
Step-by-step guidance, realistic budgets, and lender comparisons. We’ll make sure your offer is strong and your numbers are solid.
Access your home's equity without monthly payments. Perfect for retirees looking to stay in their homes while improving cash flow.
We understand that your T4 doesn't always tell the whole story. We specialize in BFS (Business For Self) solutions.
Don't just sign your bank's renewal offer. We shop the market to find you better rates and terms for your next term.
Not ready yet? We provide a roadmap to improve your credit score and qualify for the best rates in the future.
Structure financing around cash flow. We’ll explore DSCR options and conventional routes depending on your goals.
Estimate your monthly payment
Become a Mortgage Pro
First-Time Home Buyer Guide
Everything from CMHC insurance to land transfer tax rebates in Ontario.
The Refinance Roadmap
When does it make sense to break your term? Understanding IRD vs 3-month interest penalties.
Reverse Mortgage FAQ
Common questions about equity access for Ontario retirees.
Ottawa Market Report Q1
Current inventory levels and interest rate trends across Eastern Ontario.
A calm, guided process
A 15–20 minute call to understand your goals and map out the best path.
We compare lenders and present 2–3 strong options with transparent tradeoffs.
We coordinate docs, timelines, and communication so your closing stays smooth.
Live Mortgage Rates
Canadian Mortgage Essentials
In most cases, no. Broker compensation is typically paid by the Canadian lender. For more complex private or alternative lending scenarios, a fee may apply, but this is always discussed and agreed upon upfront.
Typically within 24–48 hours once we have your basic documentation. This gives you the confidence to house hunt in competitive markets like Ottawa or the GTA.
Standard requirements include: a Letter of Employment (LOE), your two most recent pay stubs, 2 years of T4s and NOAs (Notice of Assessments), and 90 days of bank statement history to verify down payment source (Anti-Money Laundering compliance).
Yes! The Home Buyers' Plan (HBP) allows you to withdraw up to $35,000 (or more depending on recent federal budget updates) from your RRSPs tax-free. We can help you navigate these Canadian-specific programs.
Let’s map out your next move.
Reach out to Adib El-Khoury directly. We respond to all inquiries within one business day.
Share your goals and we'll reach out to discuss the best path forward.