Montréal Mortgage Brokers & Agents

We don’t start with rates. We start with you. Not as a number, a transaction or a lead, but as an individual with a unique set of needs who is about to make one of the most important financial decisions of their life. We take that as seriously as you do and consider it our mission to help you get the rate that will best serve you and your future.
Case Studies

What a healthy mortgage can do for you.

Mortgage MD About
What you can expect from us

We’ll take the time to get to know you, your plans and goals.

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Market Management
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Business Analysis
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What you can expect from us

We’ll only give you the options that are right for you.

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What you can expect from us

We’ll help you stay on top of your mortgage.

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We bring more than 24 years’ senior experience forging of collaborations across government.
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A wonderful serenity.
Premium services for you.
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Call to ask any question 540-325-1523
About Mortgage MD

Natalia Duke

(Chairman and founder)
Mortgage MD Banner

24 Years of Experience

Here’s what our clients are saying.

It’s always a joy to hear that the work I do has positively impacted our clients and that they are happy to share their experience.
When we needed to access equity from our home, Michael Noik led us through the process. He not only helped us with the initial step of consolidating debt, but over a yearlong process he secured a low interest rate and finances for doing significant renovations to our home. We could not be happier with the service we received from Michael and the team at Centura Finance


There are many big pillars in one’s life and for me, and owning your first home is one of them. Unfortunately for many it’s not so simple, after finding the perfect home and going through all the back and forth emails, calls and paperwork our loan was refused. We were crushed… But we didn’t leave empty handed, our Bank suggested we call mortgage broker Michael Noik and from that first call, he was there at every step! He encouraged us and made us feel confident that he can find some other way, (even with our very short deadlines) and he did! We moved into our new home 2 months later! Ten months into making our payments and before we can renew our contract, Michael swooped in again and moved us back with our bank with a conventional loan saving us hundreds of dollars! We could not believe it! We didn’t have to nag him or wonder if things were being done, they were done before we can even ask. Professional, efficient and kind, Michael was key to making one of my big pillars in life happen. Thank you, Michael, we couldn’t have done it without you!

Joana and George

I am a doctor and am thankful to Michael Noik for all of his help. Buying a house is extremely stressful. I purchased my first home 14 years ago. I had spoken to my bank where I had a long-standing relationship and they offered me what they called a great mortgage rate. My wife asked me to contact Michael Noik for a second opinion. I had never considered using a mortgage broker, but adhered to my wife's request. Despite my apprehensions, I was pleasantly surprised at the mortgage rate that he was able to secure on my behalf. Not only did he provide me with a better rate, he also held my hand throughout the entire process so that I could spend my time focused on moving into the new house. I purchased a new home 8 years ago and once again used his services. I am grateful and appreciative for his expertise, kindness and professionalism.

Dr. Richard

Michael - you made this transaction so simple, most importantly STRESS FREE on my end! I truly appreciated the guidance, quickness and assurance from you throughout the entire process. Thanks so much for doing a great job!”



Here is what we often get asked.
It’s Good to Know.

A healthy mortgage starts with you.

We don’t do anything before getting a chance to understand your needs and circumstances. We listen, because the details matter. We take a holistic approach to finding you the best rate. Discussing plans, needs, expectations.
Customized on the individual, based on needs …

A healthy mortgage starts with you knowing what you’re getting into.
Yes, but there are options. Give us a shout to help you get ahead of this.
Once a fee has been applied, it’s almost impossible to get out of it. But we can help you start planning NOW so that you don’t end up in this situation again.
A broker only checks your credit once. The banks don’t coordinate when checking your credit, and if you are getting multiple offers from a variety of banks, it will affect your credit.
This requires a personal conversation to understand the specifics. But the answer is yes. You can qualify on your own and we can help you look into this. Did you know that the bank can recognize child support and alimony income? Call us - we’ll walk you through this.
YES, WE CAN! Each bank has their own credit guidelines and policies, and we know how to navigate the options to get you approved. We consider the strength of your company, gross up your income, how we can add back expenses and more.
Rental income recognition, number of properties, each bank has their own credit guidelines and policies. How much rental income and expenses will they use/recognize/consider. All of these factors matter and can be the difference of getting approved or not.
THERE ARE OPTIONS. Do not despair. There are other mortgage financing companies besides the big banks. Call us. We’ll walk you through this.
ABSA-FREAKIN-LUTELY. Do not sign without getting a second opinion. Call us - we’ll walk you through it.