Our Process

Working With You

Step 1

We Learn About You

During our initial consultation, we take the time to learn more about you and really get an understanding of your short and long term goals to ensure you get a mortgage that supports your future dreams. Every client is unique, which means, we need to get to know you and your specific situation. We'll walk you through the next steps of the application process so you know what to expect and ensure the mortgage process is convenient, easy and efficient.

Step 2

Finding The Right Mortgage

Once we have learned all about you and your goals, we complete an easy mortgage application, collect the required documents to verify information and we get to work to find the best mortgage product for you! We will then prepare and present a customized lender comparison report that will show you the best lending options to suit your needs.

Step 3

You're Approved!

Now that you have selected the mortgage product you would like to proceed with, we'll submit the mortgage application, manage the approval process and provide on-going communication to keep you in the know. When we receive your approval we will be in touch to review the details and electronically sign all the documents.

Step 4

Your Mortgage Advisor for Life

Now that everything is completed and the dust has settled, we stay by your side, as your complimentary mortgage advisor for the life of your mortgage! We keep an eye on the market and will advise you if there is ever an opportunity to make an adjustment to save you even more money and we'll touch base annually to ensure your mortgage is still meeting your changing needs. You can also call us at any time with any questions you may have about your mortgage or the current market. The only thing we ask of you in return is your referrals, so we can help even more families with their home ownership goals!

Our Services

Custom Mortgage Solutions For You

First Time Home Buyers

Tired of passing your hard earned rent over to your landlord? Maybe you’ve built up some savings and have a down payment for your own property. No matter what your situation is, I help simplify the buying process and worry about all the financing details so you can get down to finding just the right property as fast as possible. Not sure where to start? We're here to guide you through the complicated home-buying process, one step at a time, in easy to understand language. The most important step is getting pre-approved! We'll create and walk you through a customized budget, unique to you and your situation with every detailed expense identified line-by-line, so you know exactly what to expect before you start shopping for a home. Surprises are great, but no one likes unexpected expenses popping up at the last minute! Let us relieve the stress for you, give us a call today for a FAST pre-approval and we'll get you on your way to owning your first home!

Mortgage Refinancing

Use the equity in your home to pay off high interest debts and be debt-free faster! Refinance up to 80% of your home’s value quickly and easily to pay off high-interest credit card debt that has caused your monthly cash flow to slow to a trickle. Worried about penalties? Don’t think it can make much of a difference? Think again. By using your home equity to consolidate your debt, you can improve monthly cash flow, have one easy payment, pay less interest and be debt-free quicker. Call or email today for full details and a FAST mortgage pre-approval!

Investment Properties

Build your long term wealth with real estate! Investment properties, particularly smaller residential properties, are accessible to many average Canadians. Real estate has been one of the most attractive investment categories in Canada for the past decade. I can help you take advantage of real estate opportunites and unique mortgage options if you’re looking to seriously build your portfolio. Call or email today for the best rates, mortgage advice and a FAST mortgage pre-approval!

Vacation Home

More Canadians than ever before are spending quality time in their own vacation property! Build your net worth with a beautiful asset while providing you and your family the perfect spot to relax and unwind. Cottages and other vacation properties are providing family memories for many average Canadians, who are taking advantage of low rates and innovative new mortgage products that put these getaway homes within reach! Call or email today for full details and a FAST mortgage pre-approval!

Construction Financing

Are you planning to build a home? Unless you intend to pay cash for your new build, a construction mortgage is a must. While obtaining construction financing may not be difficult, the real challenge is finding the right lender to meet the specific needs of your project. Construction projects are complex undertakings with countless variables at play. To ensure a successful outcome, you need to be well informed, well organized and well supported by the right mortgage partner.

Reverse Mortgages

We are Certified Reverse Mortgage Specialists and offer reverse mortgage options from multiple lenders. A reverse mortgage can be a fantastic solution for Canadians 55+ to be able to afford to stay in their own home longer. Thinking about cashing in some of your retirement savings for an unexpected expense? No need, access the equity you've accumulated in your home tax-free, using the reverse mortgage product that's right for you. There are multiple products available with the flexibility to set it up to best suit your unique situation. Despite the fact that reverse mortgages have been in Canada since 1986, there is still a lot of misunderstanding. Give us a call and let us educate you on the facts, dispel any myths you may be wondering about and we'll even generate a customized report to show you exactly how it would impact you and your home.

Some Words

From our Clients

Isaac was extremely helpful. As a business professional I understand what it takes to be useful and effective. Isaac checked all 3 of those boxes for me. Honestly with our plan of attack I cut 3 years of struggling through my business with the better money management. I highly recommend Isaac.

Peter Howell

Isaac is the epitome of professional, patient and understanding. My entire experience with this company has been nothing short of spectacular. Isaac has gone above and beyond every step of the way and I’m very pleased to have worked with him. If you’re looking for some financial advice this is the place to contact!!!

Beau Webber

My husband and I were initially dealing with another mortgage company who was giving us the biggest run around. We started dealing with them in May and still had no progress by July. My husband found Issac who ended up getting a deal put together for us within a week and a half at a great rate too! We are so grateful for him and how quickly he was able to work! I highly recommend him for anyone looking for professionalism, honesty and speed!

Ashlei Iris

We highly recommend Isaac as a Mortgage Broker for you! We really enjoyed working with Isaac on our mortgage. Isaac is thorough, prompt, and very professional. He made sure to take every step necessary to give us a maximum chance with our lender. And he has succeeded! Thank you Isaac. We look forward to acquiring your services in the future!

Jelena Stewart

I honestly can't think of any possible way Isaac could provide a better service. He is a perfect blend of professional and approachable, which makes him incredibly easy to work with. We didn't have a straight-forward situation, so Isaac laid out all our possible scenarios in plain language and answered every possible question we could throw his way. If there was something he wasn't certain about, he would figure it out and get back to us within a day. Having dealt with a lot of financial professionals in my life, I can honestly say that Isaac is by far leading the pack with his communication, patience, and ALWAYS figuring out what's best for his clients. Seriously, call the man. You won't find anyone better.

Scott Levely

Isaac has been great to deal with. I have done several projects with Isaac and since being a self employed business owner it creates extra challenges on the financing side. He's always been up to the challenge to find different financing options for me.

Blair Poole

We recently worked with Isaac Rosebrugh for our mortgage refinance. He listened to our needs, asked appropriate questions, and promptly provided us with information as to our options. With Isaac, we felt supported every step of the way. His attention to detail, paired with helpful mortgage tips, made this mortgage refinance effortless. He worked well with both our lender and our lawyer, and our mortgage was funded on time, at an amazing rate. We were thrilled with the level of professionalism and customer service that he provided to us, and we would not hesitate to recommend him to all of our family and friends. Thanks so much, Isaac!

Elizabeth Banuelos

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Got Questions?

Frequently Asked Questions

  • Will a homeowner owe more than the home is worth?

    The homeowner keeps all the equity remaining in the home. In our many years of experience, over 99% of homeowners have money left over when their loan is repaid. The equity remaining depends on the amount borrowed, the value of the home, and the amount of time that’s passed since the reverse mortgage was taken out.

  • Should a reverse mortgages be a last resort?

    No. Many financial professionals recommend a reverse mortgage to supplement monthly income instead of selling and downsizing, or taking out a conventional mortgage or a line of credit.

  • How are pre-qualified and pre-approved different?

    A pre-approval is very different than a pre-qualification – before you start shopping for a new home, you want to be sure that you get a pre-approval. A pre-qualification can normally be obtained very quickly by a simple phone call or completing a quick online form, providing information such as your income, debts, and assets, which is used to pre-qualify you in about 30 seconds without verifying the information. If you are estimating, make a mistake or forget about something, it could have a major negative impact on the amount you could qualify for, leading to problems down the road when the mortgage is properly verified by an underwriter. A mortgage pre-approval is what every home buyer should obtain prior to looking at homes. A mortgage pre-approval can be easily defined as a written commitment for a buyer from a mortgage lender. To obtain a mortgage pre-approval you will be required to provide the same documents that are required when formally applying for a mortgage, such as T4’s, employment letter, pay stubs, and bank statements. At Inspired Mortgage we fully underwrite your mortgage pre-approval upfront, so you can shop with confidence and have peace of mind when submitting your offer.

  • How much does it cost to use a Mortgage Broker?

    There’s absolutely no charge for our services on typical residential mortgage transactions. How can we afford to do that? Like many other professional services, such as insurance, mortgage brokers are generally paid a finder’s fee when we introduce trustworthy, dependable customers to a financial institution. These fees are quite standard and nearly industry-wide so that the focus remains on you, the customer. If your situation is a little more complicated and we need to source alternative lending solutions, there could be additional fees associated with obtaining your financing. These fees are typically in the range of 1%-2% of the loan amount and are only paid once mortgage is approved and closed. Your Mortgage Broker will let you know up front if any additional fees may be required, so you know exactly what your costs will be before you start shopping for a home

  • Why should I use a Mortgage Broker over my bank?

    A Mortgage Broker has access to many different lenders and mortgage products, including those from some of the big banks. Choosing to work with a Mortgage Broker simply provides you more options than what your bank can provide and more choice means more competitive rates and better terms! A Mortgage Broker works for YOU, not the banks, to provide independent, unbiased advice on the best mortgage products available from multiple lenders. A good Mortgage Broker will also work with you throughout the life of your mortgage to ensure it remains aligned to your financial goals and notify you of any opportunities to make changes and save even more money – when was the last time your bank called to inform you of available savings?

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How to Get in Contact

Contact Details


Office #1
80 Brant Ave., Suite 100
Brantford, ON N3T 3H1

Paris, ON





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