from
7.79%
1-Year Fixed
Mortgage agent, Cambridge and Waterloo Region
Your mortgage agent in Cambridge.
Galt, Preston and Hespeler each have their own character, from riverside heritage homes to new subdivisions in the east and north. Tisha brings over 20 years of banking and underwriting experience to buyers and homeowners across Cambridge and Waterloo Region.
Mortgages in Cambridge and Waterloo Region, handled by someone who knows the lenders
Cambridge sits at the meeting point of two markets: the tech and university economy of Waterloo Region to the north, and the manufacturing and logistics corridor along Highway 401. That brings a wide range of buyers, from first-time purchasers in Preston and Hespeler, to families moving into new builds in East Galt and the north end, to investors buying rentals near Conestoga College.
Tisha works with all of them. She understands how lenders treat heritage properties along the Grand River in downtown Galt, how new-construction closings need to be structured, and how rental income is counted for student and multi-unit properties. Her underwriting background means your file arrives at the lender the way they want to see it.
For Cambridge homeowners, she also handles refinances and renewals, including the increasingly common case of a renewal coming off a much lower rate, where a thoughtful plan around term, amortization and prepayment makes a real difference.
Local situations
What Tisha helps with in Cambridge.
Galt, Preston and Hespeler
Three distinct markets, from heritage homes to post-war neighbourhoods to new builds.
New construction
Subdivisions in East Galt and north Cambridge, with rate holds that match builder timelines.
First-time buyers
Programs, rebates and pre-approvals for buyers moving out of the Kitchener-Waterloo rental market.
Investors
Rentals near Conestoga College and multi-unit properties, with lenders that count rental income sensibly.
Commuters
Buyers working in Waterloo Region, Guelph or the GTA who want to be close to the 401.
Refinances and renewals
Use equity for renovations or an investment, or renew with a better lender and no penalty.
Today's rates
Current rates for Cambridge buyers.
from
7.34%
2-Year Fixed
from
6.29%
3-Year Fixed
from
6.04%
4-Year Fixed
from
4.79%
5-Year Fixed
Client stories
Clients who would recommend her.
My wife and I were looking to purchase an income property and were having trouble lining up our financing. A friend gave us Tisha’s name and she actually contacted us from her vacation to get details on what we were looking to do! I strongly recommend that anybody looking for a mortgage contact Tisha Findlay! I guarantee you will not be disappointed!
Tisha was great to work with! She responded to our questions quickly, was patient and very competent. I would strongly recommend her!
Tisha is very professional and experienced. We were extremely pleased with her approach to our situation and we highly recommend her as an Agent.
Do you work with buyers across Waterloo Region?
Yes. Cambridge is the focus of this page, but Tisha also helps buyers in Kitchener, Waterloo, Guelph and the surrounding townships.
How do lenders view heritage-designated homes?
Most lend on them normally, although a few have restrictions and appraisals need care. Tisha confirms the lender fit before you commit.
Can I buy a rental near Conestoga College with 20% down?
Yes, that is the standard minimum for a property you will not live in. If you plan to live in one unit of a multi-unit property, insured financing with less down may be available.
Free consultation
Buying or refinancing in Cambridge? Start here.
Tell Tisha what you are trying to do and she will come back with options, not a sales pitch. Free, no obligation, no credit check to start.
- Over 20 years in retail banking
- Former mortgage underwriter: she knows what lenders want
- Banks, credit unions, monoline and alternative lenders
- Lender-paid on most residential mortgages