The
Money Lady.
I'm Heather McMullin. I turn complicated financing into the keys in your hand — across four provinces, with zero jargon and zero pressure.
A broker who answers her own phone.
Banks hand you one product. As an independent broker with BRX Mortgage, I shop dozens of lenders for the rate and structure that fit your numbers — first condo, refinance, or commercial build.
No call centres. No being passed around. Just me, start to close.
Money should open doors,
not close them.
Lending for every stage.
From first keys to commercial portfolios — pick your path and I handle the rest.
The numbers are mine. The home is yours.
Sixteen years ago I walked off the bank floor — tired of selling the only product on the shelf. The Money Lady is what that frustration became: independent advice that puts your goals ahead of any lender's quota.
Plain talk. Real options.
I read your full picture — income, credit, timeline, the messy parts — and translate it into a clear plan. Then I take it to lenders most people never see and return with the structure that costs you the least over the life of the loan.
You'll always know exactly what you're signing and why. That's the whole job.
Licensed, regulated, accountable.
Licensed across
I don't work for the bank. I work for you.
Every door has a number. I find it.
Five core ways I help — each built around what you actually need, not what one bank happens to sell.
Your first set of keys.
First-time buyer or trading up — matched to the lender, rate, and term that fit your budget and your five-year plan.
- First-time buyer
- Pre-approval
- Fixed & variable
- Porting
Build, buy, expand.
Mixed-use, multi-unit and commercial properties financed with structures that protect your cash flow and timeline.
- Multi-unit
- Construction
- Mixed-use
- Bridge
Make your equity work.
Lower your rate, consolidate debt, or unlock equity for renovations and investments — without the bank runaround.
- Rate reduction
- Consolidation
- Equity take-out
Don't auto-renew. Ever.
Your lender's renewal letter is rarely their best offer. I review the whole market before your term ends so you never overpay by default.
- Renewal review
- Lender switch
- Penalty analysis
The files banks fear.
Non-traditional income, thin credit, recent arrival — the files I'm best at. Specialized lenders, real approvals.
- Self-employed
- New to Canada
- Credit rebuilding
Not sure which fits?
That's exactly the conversation I like. Tell me where you are and I'll tell you what's possible.
Homes I can help you finance.
A few listings across the provinces I serve. See one you love? I'll have your financing sorted before the offer goes in.
The Battery Rowhouse
Bridgeland Infill
Harbourfront Suite
Great George Heritage
Altadore Bungalow
King's Wharf Townhome
About this home
Features
Video walkthrough
3D virtual tour
Drag to look around ↔Location
Similar listings
Ready when you are.
Pre-approval is free with no obligation. Reach out and I'll get back to you the same day — usually within the hour.