Get The Mortgage
You Need

When banks say NO, we say YES!

Unlock the Doors to Your Dreams

Don’t let the barriers of financing hold you back any longer. Our tailored mortgage solutions are designed to empower your aspirations, whether it’s your first home, a property investment, or a refinancing endeavor. With a commitment to personalized service, competitive rates, and seamless processes, we’re here to make your mortgage journey smoother than ever. Your future starts now – take the decisive step towards your goals with the mortgage that’s perfectly suited for you.

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a mortgage broker offers several advantages

Why use a Mortgage broker?

Privacy, Confidentiality and Personalized Guidance

I will work closely with you to understand your financial situation and goals. I’m able to provide personalized advice and recommend mortgage products that align with your needs, helping you make informed decisions. It will reduce the stress associated with the mortgage process.

Access to Multiple Lenders

I have access to more than 50 lenders and a deep understanding of the mortgage market, including the various types of mortgages available, interest rates, and lender policies. It will save your time and money.

Cost Savings

I have access to mortgage rates and deals that are not publicly advertised. This can result in potential cost savings over the life of your mortgage.

Negotiation Skills

I’m skilled to negotiate on your behalf to secure favourable terms, including interest rates and repayment options.  Our experience in dealing with lenders can be a valuable asset in getting the best possible deal. Mortgage applications are complex and time consuming.

Credit Advice

I’m able to help you to improve your credit score and financial health, which can lead to better mortgage options and rates.

Continuous Support

My assistance doesn't end at closing. I provide ongoing support and advice throughout the life of your mortgage.


These are just a few of the scenarios why working with a mortgage broker is your best choice.


It is when a new mortgage is set to replace your old mortgage. This new mortgage will have another principal amount, interest rate, term and conditions. The new lender pays off the old mortgage and you will have just this one new mortgage; usually one with better conditions than your previous one depending on the reason for the refinance.

1st and 2nd Mortgage

1st mortgage: This is the primary mortgage loan obtained for a property. The lender who funded it registers a primary lien on the property. While a first mortgage is in progress, a home owner is allowed to take out a 2nd mortgage. 2nd mortgage: This is the money borrowed against the home equity to fund other projects or to consolidate debts among other needs.

Home Equity Loan

This is different from a home equity line of credit ( HELOC ). With a home equity loan, you're given a one-time lump sum payment. This can be up to 80% of your home's value. You pay interest on the entire amount. The loan isn't revolving credit. You must repay fixed amounts on a fixed term and schedule. Your payments cover principal and interest.


A home equity line of credit (HELOC) is a secured form of credit. The lender uses your home as a guarantee that you will pay back the money you borrow. HELOCs are revolving credit. You can borrow money, pay it back, and borrow it again, up to a maximum credit limit.

Debit Consolidation

It is a debt management strategy that combines a new single loan to pay off multiple debts. The benefits of debt consolidation include a potentially lower interest rate and lower monthly payments.

Reverse Mortgage

A reverse mortgage is a loan that allows you to get money from your home equity without having to sell your home. You pay back your loan when you move out of your home, sell it or the last borrower dies. You don’t need to make any payments on a reverse mortgage until the loan is due.

Hi, I'm Beto

I will support you throughout the mortgage application process. As an experienced mortgage broker, I will help you to find the best mortgage for your profile.

While banks say no, we say yes!

We have access to approximately 50 lenders across Ontario, which allows me to have several options available. 

Beto Luqueci Thomaz
Mortgage Agent Level 2/ M19001201
Mortgage Architects| FSRA#12728

Our Trusted Lenders

With you every step of the way of your mortgage

See the steps of your mortgage



Apply now online so that we can get to know you better.



We will find you the best mortgage option.



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What Our Customers Are Saying.

Salícia Cavalcanti
Salícia Cavalcanti
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"I'm not afraid to say that Beto Luqueci was the best broker we have found in CA so far, and I'm surely saying that because we spent a year speaking with many different brokers, and here is what he did and the others didn't: He puts his foot into our shoes He brought the best deal, interest rate, and contract term He gave us lots of recommendations His experience helped us not get anxious, but relax and feel confident .... For that and other reasons, we will have him as our official broker and friend. Thank you, Beto"
Ricardo Cavaleiro
Ricardo Cavaleiro
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"Beto helped my family and I throughout our entire mortgage renewal process. Every step of the way, he clearly explained to us our options and always kept our best interest in mind. He is quick to respond and reliable for any questions you have - I highly recommend his services. Thank you Beto!"
Francis Renee
Francis Renee
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"Thank you Beto, for making the whole montages possess, as worry free as possible, I be forever grateful"
Neuzalena Carvalho Neuza
Neuzalena Carvalho Neuza
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"Beto Luqueci Thomaz Mortgages. he is professional at what he does, he serves his customers well, and the guy.🙏"
Gisella Michael
Gisella Michael
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"Beto was very helpful got me my mortgage. Thank you."

we’re here to clarify all 
your questions

Find out below the answers to some of our more frequently asked questions.

What is a Conventional Mortgage?

A conventional mortgage is usually one where the down payment is equal to 20% or more of the purchase price, or a loan to value of less than 80%, and that does not normally require mortgage loan insurance.

How does Bankruptcy or Consumer Proposal Affect Qualification for a Mortgage?
Depending on the circumstances surrounding your Bankruptcy or Consumer Proposal, generally some lenders would consider providing mortgage loans. 
Can I Get A Mortgage To Purchase A Home?

Yes, however, I must qualify you. If you have less than 20% from the purchase price as a downpayment, you still may qualify to buy a home with 5% por cent of downpayment as Canada Mortgage and Housing Corporation and other mortgage insurers are available to cover the purchase price of a home, but some rules apply. 

What is a Pre-Approval Mortgage?
A pre-approved mortgage provides an interest rate guarantee from a lender for a specified period of time (usually up to 120 days) and for a set amount of money. The pre-approval is calculated based on information provided by you and is generally subject to certain conditions being met before the mortgage is finalized. Conditions would usually be things like ‘written employment and income confirmation’ and ‘down payment from your own resources’, for example. Most successful real estate professionals will want to ensure you have a pre-approved mortgage in place before they take you out looking for a home. This is to ensure that they are showing you property within your affordable price range. In summary, a pre-approved mortgage is one of the first steps a home buyer should take before beginning the buying process.
What is a Fixed, Variable and Adjustable rate?

Fixed: The interest rare remains the same during the entire mortgage term. 

Variable or Adjustable: The interest rate can change during the mortgage term.

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