The Right Mortgage.
The Right Rate.
Right for You.
With over 22 years of combined real estate and mortgage expertise, Heidi Shiraz is your licensed Mortgage Agent in Richmond Hill and across Ontario — helping buyers, sellers and homeowners navigate financing with clarity, confidence and the best possible terms.
Book a Free Mortgage Consultation"Most agents only handle the property. I handle the property and the mortgage — giving you one trusted expert who understands the full picture of your purchase."
Your Mortgage, Simplified
Securing the right mortgage is one of the most important financial decisions you'll make. The rate, terms and structure of your mortgage can make a significant difference to your long-term financial health — and having a licensed expert in your corner ensures you never settle for less than you deserve.
As a licensed Mortgage Agent with over 22 years of combined real estate and mortgage experience, Heidi Shiraz provides buyers, sellers and existing homeowners in Richmond Hill and across Ontario with expert, personalized mortgage guidance — from pre-approval to renewal and everything in between.
Her unique dual expertise means she understands both sides of every transaction, giving her clients a strategic advantage that most mortgage agents simply cannot offer.
Real Estate and Mortgage — Both
Most professionals handle one side of the equation — either the property or the financing. Heidi handles both. This means your real estate strategy and your mortgage strategy are fully aligned, saving you time, avoiding costly mistakes and ensuring every decision supports your long-term financial goals.
Whether you're buying your first home, refinancing an existing property or planning your next investment, Heidi's comprehensive expertise gives you a clear, complete picture at every stage.
How Heidi Can Help You
A comprehensive range of mortgage services for buyers, homeowners and investors across Ontario — all delivered with expert, personalized guidance.
Navigate your first mortgage with confidence. Heidi explains every option, helps you qualify for government programs and secures the best rate for your situation.
Get pre-approved before you search so you know exactly what you can afford and can make strong, competitive offers in any market.
When your mortgage comes up for renewal, Heidi reviews the market and negotiates better rates and terms — you should never just accept your current lender's offer.
Financing for rental properties, pre-construction condos and investment portfolios — structured to maximize return and minimize carrying costs.
Specialized mortgage products for newcomers to Canada, including options for those without a full Canadian credit history.
Buying before you sell? Heidi arranges bridge financing to cover the gap between your sale and purchase closing dates so you never miss the right home.
Getting Your Mortgage Step by Step
A clear, straightforward mortgage process — designed to remove confusion and get you the best possible outcome.
Heidi starts by understanding your financial situation, goals and timeline to identify the right mortgage strategy for you.
Heidi manages the full application process and guides you through every document required.
As a mortgage agent, Heidi works with multiple lenders to find the most competitive rates and terms available for your situation.
Once approved, Heidi walks you through every detail of your mortgage commitment so you understand exactly what you're signing.
Heidi coordinates with your lawyer, lender and real estate agent to ensure a seamless closing.
Heidi's relationship with her clients continues long after closing — she monitors the market and proactively reaches out when better opportunities arise.
The Dual Expertise Advantage
Working with an agent who is also a licensed mortgage agent gives you benefits that are simply not available when you work with separate professionals.
Your real estate purchase and mortgage financing are planned together from day one — no gaps, no miscommunication, no costly surprises. One professional, one strategy, one goal.
Working with two separate professionals means duplicating information, coordinating schedules and hoping they talk to each other. With Heidi, it's all handled in one place.
Heidi understands not just the mortgage rate but how it interacts with your real estate strategy — purchase price, equity position, closing costs and long-term wealth building.
Every offer Heidi writes includes mortgage considerations built in — conditions, timelines and contingencies are structured to protect both your purchase and your financing.
Frequently Asked
Have a mortgage question? Call Heidi for a free, no-obligation conversation.
416 270 4789
Ready to Talk Mortgages?
Book a free, no-obligation mortgage consultation. Heidi will review your situation, answer your questions and help you understand exactly what's possible — whether you're buying, renewing or refinancing.
CENTURY 21 Heritage Group Ltd. Brokerage
INFO & SERVICES
CENTURY 21 Heritage Group Ltd. Brokerage
11160 Yonge Street, Unit 3 & 7, Richmond Hill, ON L4S1H5
(905) 883-8300
INFO & SERVICES
Independently Owned and Operated. ®/™ trademarks owned by Century 21 Real Estate LLC used under license or authorized sub-license. © 2020 Century 21 Canada Limited Partnership © 2020 Century 21 Canada Limited Partnership
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