The right mortgage starts with a conversation.
Book a quick phone or video call, tell me what you are planning, and I will lay out your options in plain language, built around your budget.
Hi! What’s your next move?
Tap one and I’ll point you in the right direction.
Most buyers start with a quick online application. I review it, then we talk through what you may qualify for and the structure that fits your budget.
If your mortgage matures in the next 18 months, now is the time to plan. I can secure a rate hold and compare your renewal offer against the wider market.
Using your home equity to consolidate high interest debt can free up monthly cash flow. I will show you the full cost comparison first.
A refinance, HELOC or second mortgage can each make sense in different situations. I will lay out the options side by side.
Non traditional income and credit challenges are a normal part of what I do, with alternative and private solutions when a traditional lender is not the right fit.
A reverse mortgage lets homeowners 55 and over access equity with no regular mortgage payments required. We will review whether it truly fits your plans.
Every situation is different.
Your mortgage should be too.
Pick what sounds like you. Not sure? That is exactly what the first conversation is for.
Purchase
First home or next one. Get pre-approved and know your numbers before you start shopping.
Learn moreRenewal & switch
Compare your renewal offer against the wider market. A new lender often covers the switch costs.
Learn moreRefinance
Restructure your mortgage or use your equity for renovations, investments or a fresh start.
Learn moreDebt consolidation
Roll high interest balances into one manageable payment and free up monthly cash flow.
Learn moreReverse mortgage
For homeowners 55 and over. Access your equity with no regular mortgage payments required while you live in the home.
Learn moreHELOC
A flexible line of credit secured by your home, so you can borrow when you need it and only pay on what you use.
Learn morePrivate & second
Short term solutions for time sensitive or non standard situations, always with a clear exit plan.
Learn moreSelf-employed & alternative
Non traditional income or bruised credit? There are more lenders and options than most people realize.
Learn moreCommercial
Financing for small commercial and investment properties, structured around your plans.
Learn moreNot sure which one fits?
Most people are not. Book a quick chat and we will figure it out together.
“I manage it, not just arrange it.”
Most people hear from their lender once every five years. With me, someone keeps an eye on your mortgage the whole way through, and reaches out when there is something worth talking about.
Weekly rate tracking
I track the market every week and reach out mid-term when a change could genuinely save you money.
The 13-month renewal strategy
I reach out 13 months before your maturity date and secure a 120-day rate hold, then refresh or improve it as the market moves.
“Stuck until renewal” is a myth
A prepayment penalty is a timing question, not a wall. I run the cost comparison so you can see if moving early makes sense.
Cash flow over rate
The lowest rate is not always the best mortgage. I focus on your monthly budget and your long term costs.
Options, not pressure
You get honest choices laid out side by side, including when the right answer is to wait.
Renewing in the next 18 months?
Now is the right time to start planning. Book a renewal review and we will map out your options, with no obligation.
Renewal, without the panic.
“Stuck until renewal” is a myth. Starting 13 months early gives you a protected rate, room to improve it, and time to decide calmly.
We review your goals and I secure a 120-day rate hold to protect you if rates rise.
Same rate available? Refresh the hold. Lower rate? Lock it in. Higher? We compare costs.
A penalty is a timing question. I show you the full cost comparison, penalty included.
No rushed decisions from a renewal letter. Often a new lender covers the switch costs.
Months before maturity. Illustration of the strategy; every file is reviewed on its own merits.
Four easy steps. No surprises.
You will always know what comes next, what it costs, and why I am recommending it.
no pressure, just options
- 01
Discovery call
Book a call at a time that suits you (book here). We talk through your goals, income, timeline and what matters most to you.
- 02
Apply online
Share the details through the secure online application (apply here). It takes about 10 minutes, with no cost and no obligation.
- 03
Your options, side by side
I run the math first, then show you options compared on total cost and monthly cash flow.
- 04
Funding and ongoing monitoring
Once your mortgage funds, I keep watching it, with rate tracking and early renewal planning built in.
Plan your next move from the couch.
The Canadian Mortgage App puts friendly calculators in your pocket. Explore at your own pace, then reach me when you are ready.
- Get pre-qualified with no credit check
- Estimate your minimum down payment
- See the maximum mortgage you may qualify for
- Calculate the total cost of owning a home
- Estimate closing costs for your area
- Calculate the income needed for a mortgage
Kind words from clients
Nice to meet you.
Brad Plummer is a mortgage broker with Referral Mortgages Inc. and more than a decade of experience. Based in Carleton Place, he helps clients across Ontario with first homes, refinancing, debt consolidation and investment properties.
His approach is client first and transparent, and his career highlights include CMP Young Guns 2019 and induction into the Elite Hall of Fame of a National Network. Supported by his licensed assistant, Jen, he keeps you informed from application to funding.
Brad
Career highlights include
Common questions
Who is Brad Plummer?
Brad Plummer is a licensed mortgage broker with Referral Mortgages Inc. (FSRA brokerage licence #13316), based in Carleton Place, Ontario. He has more than a decade of experience helping clients across Ontario with purchases, renewals, refinancing, debt consolidation and more.
What does a mortgage broker do?
A mortgage broker compares mortgage options from many lenders, explains the trade offs, and handles the application, paperwork and lender communication through to funding.
Does it cost anything to use Brad as my broker?
In most cases Brad is paid by the lender when your mortgage funds, at no direct cost to you. Some files, such as private or alternative mortgages, may include a fee, which is always disclosed in writing before you commit.
Does Brad work outside Carleton Place?
Yes. Brad is based in Carleton Place and works with clients across Ontario by phone and video call.
How do I get started?
Book a free 15 minute call by Google Meet or phone at bradplummer.ca/meeting, then complete the secure online application at bradplummer.ca/app. It takes about 10 minutes.
Ready when you are.
Start your application online, or book a relaxed conversation first. No pressure either way.
Prefer the phone? Call 613-714-9499. Office visits by appointment.