For nearly 18 years I have been helping clients with their mortgages and even after so many years my interest and eagerness to learn has continued to grow.  I remember the mixed emotions I felt when we moved to our own Mortgage Centre franchise almost three years ago.  I was on a search to find something that I felt was missing.  I left the warmth and comfort of Royal Bank with the memories of working with great people, lasting friendships, and 15 years of experience and knowledge doing mortgages.

Being out here in the market with so much diversity and so many options gives me the opportunity to do more for my clients. With so much more variety I feel like a kid in a candy store. Everything seems new and different, but what remains the same is the excitement clients feel when buying a new home and the anxiety that comes with budgeting and understanding the mortgage maze of products. We study all the features and benefits of all lenders to help you choose the option that best suits your needs.

Our goal is to guide you through this maze and show you what to expect every step of the way. We'll be there to ease the anxiety and uncertainty from beginning to end.

Our priority is to ensure that you can afford your home.  Helping you qualify for your mortgage is the easy part.  Budgeting is a challenge that everyone faces.

Helping clients consolidate all their liabilities into one low monthly payment is another source of personal fulfillment.  The financial stress of trying to manage a debt load over and above your cash flow is physically and mentally draining.  We will make it our mission to make your household debt manageable.

Debt consolidation is only the beginning. Clients are coached to budget according to their needs and wants.  Regular monthly deposits to a savings account will be implemented to help prepare for unforeseen expenses in the future.

We teach clients how to use any excess equity to generate income-producing investments to further increase their cash flow and net worth.  This is done in partnership with our trusted and qualified financial planners who sincerely care about you and your family.

Owning your own home and providing shelter to your family is the reason we all work so hard.  It was my father's vision to own our own home when we immigrated to Canada in 1976 and I shared the same goal when I started a family of my own.  We can help you realize your dream of home ownership and we can help you do it with the least amount of financial stress.  You will gain peace of mind knowing that you and your family will still have a healthy and balanced financial life.

"Freely you have received; freely give"

We have many resources available to you.  In addition to the links below you can use the navigation at the top and bottom of our website to learn more about the products and services we offer.

About Us - Learn more about us, the products and services that we can assist you with. Mortgage Glossary - Whether you are buying a home or refinancing, applying for a mortgage is a big step. Use our Mortgage Glossary to help understand about terms mortgage professionals use.
Calculator - There are many different mortgage calculators on the Internet. We have chosen this calculator as it's very simple to use. Give it a try. Apply Now - If you're ready to start click this link to apply online. If you have any questions please feel free to contact us as well.

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Ariel Santos

Mortgage Broker / Partner - lic M08010866
Mortgage Centre
Mortgage Knights Financial Inc. - Lic. 12567
Phone: (416) 410-7898
Facsimile: (416) 410-7898


Kenny Ip

Mortgage Underwriting Manager
Residential Mortgages, M08002462
Assistant to Ariel Santos
Direct: (416) 410-7898 x 2
Fax: (416) 410-7898

or download our application form then fax it to us

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