from
7.79%
1-Year Fixed
Mortgage agent, Simcoe and Norfolk County
Mortgages in Simcoe and across Norfolk County.
Lakefront in Port Dover, village homes in Waterford and Delhi, farmland and rural acreage across Norfolk. Properties here need lenders that understand them, and Tisha knows which ones do.
Mortgages in Simcoe and Norfolk County, handled by someone who knows the lenders
Norfolk County is one of the most varied lending areas in southern Ontario. In a single week Tisha might finance a year-round home in Simcoe, a lakefront cottage near Port Dover or Turkey Point, a hobby farm outside Delhi, and a first home in Waterford for a family commuting to Brantford or Hamilton. Each one raises different questions for a lender.
Cottage and waterfront properties are classified by their year-round access and services, which affects the down payment and the lenders available. Agricultural zoning, acreage limits, wells, septic systems and outbuildings all shape how a property is valued. Tisha asks about these on the first call so there are no surprises at the appraisal stage.
With over 20 years in banking and a background in underwriting, she prepares each file for the lender most likely to approve it on terms that fit, and she handles refinances and renewals for Norfolk homeowners who want to use their equity or simply stop overpaying.
Local situations
What Tisha helps with in Simcoe & Norfolk County.
Lakefront and cottages
Port Dover, Turkey Point, Long Point and Port Rowan properties, with Type A and Type B cottage financing explained.
Simcoe and Waterford
Year-round family homes for commuters to Brantford, Hamilton and the 403 corridor.
Delhi and the villages
Village homes and small-town properties with lenders comfortable in smaller markets.
Hobby farms and acreage
Residential financing where the land, zoning and outbuildings need the right lender.
Retirees and downsizers
Moving to the lake with proceeds from a city sale, including bridge financing when dates do not align.
Refinances and renewals
Equity planning and a better renewal for existing Norfolk homeowners.
Today's rates
Current rates for Simcoe & Norfolk County 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.
Can I get a mortgage on a seasonal cottage?
Yes, although lenders distinguish between four-season cottages with year-round road access and water (Type A) and more seasonal properties (Type B). Type B usually requires a larger down payment. Tisha confirms the classification before you make an offer.
Does farmland affect my residential mortgage?
It can. Many residential lenders cap the acreage they value and may exclude agricultural buildings. Tisha chooses lenders suited to the property and prepares the file with the right details.
Do you meet clients in Norfolk County?
Most of the process is handled by phone, text, email and secure upload, which Norfolk clients find convenient. In-person meetings can be arranged when helpful.
Free consultation
Buying or refinancing in Simcoe & Norfolk County? 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