Number One Reason to Call Joe? Joe Works for YOU and not the Lender!


Joe Tomkins, Mortgage Expert

Hi, I’m Joe, thanks for visiting my website. I have been actively involved in the mortgage industry since August 2003 and have a great deal of experience preparing mortgages, dealing with lenders and negotiating all aspects of mortgage underwriting. What can I say, I love what I do!

I value relationships and believe that my job is to firstly take care of my clients, making sure they understand the mortgage process, and then arrange a mortgage with a lending institution who is offering the product that best suits their needs. I believe in standing up for what matters in life and have no problems fighting to make sure my clients get the best mortgage possible.

Although I am proud of my many accomplishments in business, my real passion lies in spending time with my family. I have four healthy and beautiful boys who fill my spare time with constant fun and games. Neither my life nor my business would be as successful without my most important partner, my wife Nicole.

And if you haven’t figured it out… I am a fan of the TV show Better Call Saul, and thought it would make a great theme for a website. #BetterCallJoe

Better Read My Blog

7 Questions To Ask Yourself Before Building a Home

7 Questions To Ask Yourself Before Building a Home

Building your dream home can sound really exciting, but have you thought about everything that goes into building a new home? Here are 7 Questions you should ask yourself before making any concrete plans! 1. What are my expectations with this new home? Are you looking...

read more
Mortgage Documentation, Plan Ahead!

Mortgage Documentation, Plan Ahead!

Collecting the right documentation to prove you are a worthy candidate to borrow a lot of money to buy a property can be an arduous task. The most recent government rule changes and tightening of mortgage qualification isn't making things easier. If you seem to think...

read more
I Missed a Credit Card Payment… Now What?

I Missed a Credit Card Payment… Now What?

If you've missed a payment on your credit card (or line of credit) and you're wondering how this will impact your creditworthiness down the road, this article is for you. But before we get started, if you have an overdue balance on any of your credit cards at this...

read more
Bank of Canada Rate Announcement Oct 24th, 2018

Bank of Canada Rate Announcement Oct 24th, 2018

The Bank of Canada today increased its target for the overnight rate to 1 ¾ per cent. The Bank Rate is correspondingly 2 per cent and the deposit rate is 1 ½ per cent. The global economic outlook remains solid. The US economy is especially robust and is expected to...

read more

 My Blog is updated regularly so you can stay informed!

Take Me To The Blog!

Mortgage Services

First Time Home Buyers (My Specialty)

If you are looking to purchase your first home, then you have come to the right place! I absolutely love answering questions and helping first time home buyers understand what mortgage financing is all about.

The majority of my clients are either buying their first home, or buying their second home, having already worked with me on their first purchase!

Mortgages can be pretty complicated, especially if you haven’t done any research. My commitment to you is simple, I will walk through the entire process with you and make sure you feel comfortable with any decisions you have to make. I realize you won’t know everything, but my job is to make sure you know enough to make the right decision for you and your family.

Home Purchase

If you are looking to purchase a property, understanding all the mortgage options available to you can seem overwhelming. The market is hot and having a clear plan is a must. That’s where I come in, I do this everyday, and I love it. I will help you make sense of all the numbers and provide you with options. You want to be able to shop with confidence so when you put in an offer, you have done as much as you can before hand to increase the chances of everything working out!

Also, I have an established network of trusted professionals I work with on a regular basis and would be more than willing to make an introduction should you require their services.


Mortgage Renewal

The best time to start looking at renewing your existing mortgage is 120 days before your maturity date. If your existing lender has sent you a renewal offer in the mail, the first thing you should do is send it to me so I can give you a second opinion. Never just sign the offer, there is always room to negotiate. I am here to help you, so that you don’t have to do those negotiations alone!


Are you looking to refinance your property to access some of the equity built up in your property? Maybe you want to consolidate some debts, start a new business, buy a vacation or investment property… regardless of the reason, I will discuss all your mortgage refinancing options with you and help you to secure the best mortgage available.


Go ahead and click the button above to start crunching some numbers of your own, contact me when you are ready to take the next step.

Mortgage Introduction Videos

Refinancing, Renewing or Need to be Pre-Approved?

Just a Few More Reasons You #BetterCallJoe

Apply With Joe!

Satisfied Clients Are Important To Me!

Buying my first home was a daunting task and I didn’t know where to start.  I spent a lot of time researching but found it overwhelming. Joe took me through the process step by step, explaining everything until I was confident to make my decision.  He worked very hard and was committed to doing everything he could to get me the home I had my heart set on.  I am so happy with the experience I had with Joe and would highly recommend him!

Sandra C

June 2015

If you’ve ever wondered about using a Mortgage Broker stop whatever you’re doing and Call Joe! I can tell you first hand that it was one of the best things I’ve ever done!  Not only was Joe extremely knowledgeable but he was professional and diligent in every detail.  He provided top notch service and was easy to reach whenever I had questions.  Joe’s expertise and commitment helped me get a better rate than I expected which allowed me to move ahead with purchasing my first home.  Thank you Joe, I will definitely be calling on you again!

Doreen S

June 2015

We’ve been home owners for 33 years and refinancing our mortgage with Joe has been the best experience over all the other financial institutions we’ve dealt with!  He is very knowledgeable and provided us with options we hadn’t even thought of.  Our best interests were definitely his priority and we couldn’t be happier with his service!  That’s why we’ve used him to help us with all of our home purchases and renovations!

Greg & Josette

May 2015

I'm not a lawyer, but I'll fix your mortgage problems!

Contact Me Anytime!

15 + 4 =