Mortgage Strategy Review + Home Equity Report
Hi, I’m Simon Browning. In 30-45 minutes,
I’ll show you exactly where you stand with your mortgage – whether you’re buying, renewing, refinancing, or just want a checkup. Let me show you the math.
What’s Included in Your Strategy Review
Instant Home Equity Report
Current estimated home value
Available equity at 80%
LTV Monthly equity updates (ongoing)
True Qualifying Amount
Qualifying Amount What you actually qualify for
Not just what one bank pre-approved
Access to many lenders (60+)
Strategic Analysis
Should you refinance or wait?
Penalty calculation (if applicable)
Payment comparison scenarios
Interest savings breakdown
Written Summary
Clear recommendations
Specific next steps
Numbers you can reference
No pressure follow-up
Is This Review Right For You?
Planning to Purchase
Want to know your true budget
Need faster pre-approval process
Buying in competitive market
Self-employed or complex income
First-time buyer or upsizing
Coming Up for Renewal
Renewal date within 120 days
Want to compare current lender offer
Considering switching lenders
Haven't reviewed in 5+ years
Received renewal letter and rate seems high
Considering Refinancing
Have high-interest debt to consolidate
Need to access home equity for renovations or other reasons
Want lower monthly payments
Unsure if penalty is worth it
Life changes (divorce, business capital, renovations)
Just Want a Checkup
Mortgage is "fine" but haven't checked in years
Want to know if you're overpaying
When Was Your Last Mortgage Checkup?
What people discover in a 30-minute mortgage checkup:
✅ 60% discover optimization opportunities:
- They’re overpaying by $100-300/month
- They have $20K-50K more equity than they thought
- They could consolidate debt and save $400+/month
- They qualify for programs they didn’t know existed
- Their renewal strategy could save $10K+ over 5 years
✅ 40% discover they’re in great shape:
- Their rate is competitive
- Their equity is tracking well
- No action needed right now
- Peace of mind is valuable too
Even if you're not planning to buy, refinance, or renew in the next 6 months, knowing where you stand helps you make better decisions when the time comes
Simple 3-Step Process
Step 1
Book Your Call
Choose a time that works for you. 30-45 minute video call or phone call - your choice.
Step 2
Share Basic Info
Before the call, I'll send a quick form (5 minutes to complete). This helps me prepare a more valuable review for you.
Step 3
Get Your Analysis
During our call, I'll show you:
- Your Home Equity Report (if you own)
- Your true qualifying amount
- Strategic recommendations
- Written summary sent after
Why This Isn’t a Typical “Pre-Approval”
Most Bank Pre-Approvals
Single lender perspective
Rate quote only
Generic qualification
One-time snapshot
Transactional approach
Take it or leave it
Only when you're buying
Strategy Review with Simon
Access to many lenders (banks, credit unions, etc.)
Complete strategy analysis
Personalized to your situation
Ongoing equity tracking
Strategic partnership
Multiple scenarios compared
Anytime you want clarity
Who You’ll Be Working With
Simon Browning
Mortgage Agent Level 2 BRX Mortgage 13463
I’ve been in business for 25+ years and have been a mortgage agent since 2023. I work with clients across the Greater Toronto Area, specializing in refinancing, debt consolidation, and helping professionals maximize their purchasing power.
My approach is simple:
Show you the math first. Give you clarity, not confusion. Present your options, not sales pressure.
I have access to many lenders – including major banks, credit unions, and alternative lenders – which means I can find solutions that work for your specific situation.
Whether you’re buying your first home, renewing your mortgage, refinancing to consolidate debt, or just want a checkup to see where you stand – I’ll give you straight answers and clear numbers.
