for every stage of the homeownership journey

who we help

Whether you're buying your first home or your fifth, we have the expertise and lender access to find the right mortgage for your situation.

  • We walk you through every step — FHSA, RRSP Home Buyers' Plan, CMHC insurance, and the Land Transfer Tax rebate. No jargon, no surprises.

  • Upsizing to a bigger home? We help you time your bridge financing, port your existing mortgage, or secure better terms on your next purchase.

  • Simplifying your life? We help you maximize equity from your current home and structure your next mortgage to fit your new chapter.

  • Access home equity, consolidate debt, or secure a lower rate. We run the full analysis to make sure refinancing is the right move before you commit.

  • For homeowners 55+, a reverse mortgage can unlock tax-free equity without monthly payments. We explain every option so you can decide with confidence.

  • From rental properties to multi-unit buildings, we structure investment mortgages to maximize your portfolio's potential and cash flow.

  • Non-traditional income is our specialty. We know which lenders understand business owners and how to present your file in the strongest possible way.

  • Building a new home? We work with builders and lenders on construction mortgages, draws, and bridge financing so your build stays on track.

see what our clients are saying

client reviews

“It was a pleasure working with Colleen and Paula. Their attention to detail and care for their clients is second to none. It was really nice to not feel like you were just a number to a large company and having a personal touch to such a large investment really put our minds at ease. We look forward to working with them again in the future.”

William W.

“Colleen was amazing dealing with us. we werent the most organized clients and she used the patience of a saint to get us through the process.”

Cody R.

“I have worked with Colleen over the last 10 years to secure an initial mortgage and two subsequent renewals. She always makes the process so easy and seamless. She is quick to respond to emails, and is very helpful with providing detailed information that meets your individual needs and goals. I highly recommend Colleen and COPA mortgage.”

Julia D.

“Colleen was amazing! She helped us with all our new mortgage needs and got us an amazing rate. She's very knowledgeable, easy to talk to and goes above and beyond to make everything so much easier. Thank you Colleen”

Jen A.

“I worked with Colleen 5 years ago and had a fantastic exp. Knowledgable, friendly, and patient. Working with her again on my renewal and nothing has changed! Still as patient and willing to help as ever. :)”

N W.

“COPA Mortgage is very professional, responsive and easy to work with. The team is knowledgeable, communicates clearly and truly cares about helping people feel confident with their mortgage decisions. Highly recommended! Thank you Copa”

Nicole L.

Colleen and Paula are just fab to work with. They both are so warm and welcoming when discussing such a large and overwhelming purchase. They never push you to make a decision and are always there when you have questions ( no question is a stupid question). When you are buying a home it's important to go with someone you can trust. These two genuinely want the best for their clients and this will be obvious during your first interaction with them. Beyond their warm and welcoming nature, these two are so knowledgeable in the mortgage world and can help you navigate confusing nature that comes along with it.

10/10 will always use COPA when looking to purchase a new home or renew our mortgage.

Mel M.

“Amazing team to work with. Responsive, honest and knowledgable. Highly recommend!!”

Andrew & Kate