We work with Canada's leading lenders and mortgage companies — making them compete for your business to ensure you get the best possible rates and terms. Independent advice, no bank bias.
Tolu brings over 3 years of mortgage expertise combined with 16+ years of engineering and project management experience. He approaches every mortgage situation as a structured project — methodical, collaborative, and client-centred. His goal is long-term financial peace, not just an approval.
When you go to your bank for a mortgage, you're presented with one option — theirs. A mortgage broker works differently. We have access to dozens of lenders including major banks, credit unions, trust companies, and alternative lenders — and we use those relationships to find the best fit for your situation.
More importantly, we provide independent and unbiased advice. We don't work for any lender. We work for you. That means our recommendation is built around your financial situation, your goals, and your complete picture — not a rate sheet.
The best mortgage isn't always the lowest rate. It's the one with the right terms, the right structure, and the right fit for the life and financial plan you're building.
At Odyssey Wealth, your mortgage doesn't exist in isolation. It's reviewed alongside your financial plan, your retirement timeline, and your overall debt strategy — so the decision you make today supports the life you're building toward.
From first-time buyers to seasoned investors, from straightforward purchases to complex situations — we work with all of it.
Know your budget before you start looking. A pre-approval protects your rate, strengthens your offer, and gives you confidence that your financing is in place.
Whether you're buying your first home, refinancing to access equity, or renewing an existing mortgage, we compare your options across the full lending market.
Access the equity in your home for renovations, investments, or debt consolidation. We structure HELOCs that fit your financial plan — not just your property value.
Traditional lenders struggle with non-T4 income. We know which lenders accommodate business owners, incorporated professionals, and freelancers — and how to present your income correctly.
Mortgages for revenue properties require different qualification criteria and lender relationships. We work with investors from first rental property to multi-unit portfolios.
Navigating the purchase process for the first time is complex. We walk first-time buyers through pre-approval, stress tests, available incentives, and the closing process — start to finish.
Finance the purchase of a home and planned renovations in a single mortgage — at the purchase price rate, before the improvements increase the value.
Limited Canadian credit history doesn't mean limited options. We work with lenders who have programs specifically designed for newcomers to Canada — including those with foreign income documentation.
Bruised credit, previous bankruptcy, or non-standard situations — B-lenders and private lenders exist for exactly these situations. We know where to go and how to structure it so you can rebuild and transition to A-lending over time.
Getting your mortgage arranged shouldn't add stress to the process. Here's exactly what to expect.
We understand your situation, your goals, and your complete financial picture. This is where the right mortgage starts — with a full understanding of where it fits in your life.
One application goes to multiple lenders simultaneously. We manage the process, compare the offers, and present you with the best options — with a clear explanation of the trade-offs.
Once you select your preferred option, we manage the approval process — conditions, documentation, appraisals — and keep you informed at every step until commitment is issued.
We coordinate with your lawyer for a smooth closing. And we stay in touch — monitoring your renewal date and proactively reaching out when it's time to review your options again.
Whether you're an Odyssey Wealth planning client or you just need a great mortgage, we work with both. One application, dozens of lenders, independent advice.