Everyone shops the rate. You live with the payment.
I'm Jasmine Srnicek, a mortgage broker in London, Ontario. I look at your whole month — the mortgage, the credit cards, the line of credit, the car — and show you what your options actually free up. Access to 60+ lenders, and it costs you nothing.
Where are you right now?
Most people land here for one of these reasons. Start wherever you actually are.
I'm carrying debt at twenty percent.
Credit cards and lines of credit are usually the real problem, not the mortgage.
See what folding it in looks like Lower my paymentMy payment is too high.
There are more levers here than most people know about, and not all of them cost you.
See the levers Mortgage renewalMy renewal is coming up.
Your lender's letter is an offer, not a requirement, and it's rarely their best one.
Have it shopped before you sign First-time buyerI want to know what I can actually carry.
Not the maximum you qualify for. What's comfortable inside your month.
Start with a pre-approval Self-employedI'm self-employed and I keep getting no.
One lender saying no is one answer out of sixty. It takes a different approach, not a miracle.
See how lenders read your income Home equity & HELOCI want to use the equity I've built.
For a renovation, a second property, or to clear something off for good.
Compare HELOC and refinanceThe Cash Flow Review
There's no fee, there's no application, and there's no rush.
Book a Cash Flow ReviewBefore anyone talks about rates or products, I want to see your month.
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We get on a call, or I come to you. Whichever is easier — plenty of my clients would rather do this at their kitchen table.
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I look at what you're actually paying right now. The mortgage, the cards, the line of credit, the car. All of it, not just the mortgage.
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I run your options side by side in monthly dollars, and I show you what each one frees up and what it costs you over the long run.
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Then you decide. If the answer is that you're already in the right spot, that's a real answer and I'll tell you so.
What people say afterwards
She helped us refinance our mortgage and pay off debt as a step closer to retirement. She came to our house as we are not very tech savvy.Lucie S. — London
Incredibly professional, patient, and never pushy. She took the time to explain everything clearly and provided several options that fit our situation.Google review — London
This is now my second mortgage that Jasmine has supported me through. Step by step she walks you through it all.Jennifer G. — London
Knowledgeable, approachable, confident, and made sure we were well positioned to get the best possible deal.Kristin B. — London
I didn't plan on becoming The Cash Flow Broker.
It just happened after years of seeing families stretched too thin by their mortgages. I've always loved money — how it works, how it grows, and how the right plan can change someone's life. But what I noticed early on is that most people weren't getting real advice about how to make their mortgage work for them.
So I started doing things differently. I began showing families how to free up cash flow, pay down debt faster, and build wealth without feeling like they're constantly behind. Over time that became the whole point of the job — helping people use their mortgage as a tool for freedom rather than a source of stress.
It's not just about rates or products. It's about strategy, empathy, and making money make sense.
Jasmine Srnicek · Mortgage Broker M200002497 · BRX Mortgage FSRA 13463 · Licensed across Ontario
Where I work
Based in London, licensed across Ontario. Most of my work happens by video and phone, so where you are matters a lot less than it used to.
The things people ask me first
Does it cost anything to work with a mortgage broker?
In most cases, no. On standard residential mortgages the lender pays me, so my advice costs you nothing. If a file ever does involve a fee, you'll know before we go anywhere near an application. No surprises.
Can a refinance actually help my monthly cash flow?
Often, yes. If you're carrying credit cards or a line of credit at high interest, folding that into your mortgage can free up real money every month. Whether it makes sense depends on your penalty, your equity and your timeline. That's the conversation.
Do I have to renew with my current lender?
You don't. Your lender's renewal letter is an offer, not a requirement, and it's very rarely their best one. It's worth having someone shop it before you sign, and there's usually no cost to switch.
What credit score do I need?
There's no single number. 900 is the maximum and most people sit somewhere between 650 and 750. Plenty of mortgages get approved below that. Let's look at the whole picture before you assume you don't qualify.
How many lenders do you work with?
60+, including the big banks, credit unions, monoline lenders and alternative lenders. That's the real advantage of a broker. One lender saying no is not the end of the conversation, it's just one answer out of sixty.
I'm self-employed. Can I still get a mortgage?
Yes. Self-employed files just need a different approach and a lender who understands how you're actually paid. It takes a bit more paperwork, not a miracle.