I Left the Big Banks So You Could Get a Leg Up on your Mortgage.
*Because Canadians deserve advice that’s tailored to them, not advice that maximizes a bank’s profits.
For years, I sat across the desk at one of Canada’s biggest lender…
Watching homeowners get steered into whatever product hit the lender’s quarterly sales target.
I hated it.
Good people, just like you, being sold mortgages that weren’t the right fit…
While leaving you stuck with higher payments, higher penalties, and less flexibility.
That’s why I walked away.
I founded VeloMortgage.ca to do one thing:
Give Canadians the mortgage advice I wish I could’ve given back when I worked for the lender.
Meet the VeloMortgage Team: Your Canadian Mortgage Experts & Matchmakers
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Jeff Dinsmore
Mortgage Broker | Founder | Real Estate Nerd
Jeff’s obsession with real estate started early - while most university students were figuring out how to cook pasta, Jeff was running his own property management company.
Selling that business funded his first investment property… and he’s been hooked on real estate ever since.
While earning his Master’s in Education, Jeff dove headfirst into the mortgage world as a full-time Renewal Account Manager at one of Canada’s largest lenders.
There, he helped hundreds of clients navigate the renewal process; learning exactly how the big banks position, upsell, and lock people into less-than-ideal mortgage terms.Armed with over a decade of industry experience, a growing portfolio of investment properties, and a knack for explaining complex finance in plain English…
Jeff founded VeloMortgage.ca with a simple mission:Help Canadians make smarter mortgage decisions, and avoid the traps he saw firsthand working inside the system.
Jeff’s Specialties:
✅ Real Estate Investing
✅ Financial Education
✅ Mortgage Restructuring & Portfolio Growth StrategiesFun Facts About Jeff:
🏉 Former varsity rugby team captain at Wilfrid Laurier University
♟️ Chess enthusiast
👨👩👧👦 Family guy
📈 Fantasy sports & economics junkie -
Vickie Psenak
Administrative Assistant | Closing Day Coordinator | The Glue That Holds It All Together
If there’s one person making sure your mortgage actually crosses the finish line—it’s Vickie.For nearly a decade, Vickie has been the behind-the-scenes powerhouse who takes your mortgage from “Approved” to “Congratulations, here are your keys!”
She’s the one triple-checking the paperwork, keeping lenders, lawyers, and clients on track, and making sure no document gets missed (or forgotten at the worst possible time).
Detail-obsessed? Absolutely.
Organized? Like a military operation.
But behind her no-nonsense approach is a heart of gold—and a genuine passion for helping clients close on time and with confidence.When she’s not wrangling mortgage files, you’ll find her enjoying time with her family as a proud mom and grandma… or hopping on a plane for her next adventure (ask her about her recent month in Brazil).
Vickie’s Superpowers:
✅ File Management & Document Collection
✅ Closing Coordination
✅ Keeping Everyone (including us) on Deadline -
Danielle Dinsmore
Lead Intake | Mortgage Agent L1 | Bilingual Admin Extraordinaire
Danielle’s the sweetheart behind the scenes making sure we request and collect your documents for your pre-approvals and preparing/organizing your documents and application for Jeff’s final stamp of approval. Danielle is happy to offer mortgage services in both French and English, as a french Canadian.
With over a decade in the mortgage industry, with a background in project management and as a financial analyst for one of Canada’s biggest lenders, Danielle thrives in keeping things organized and tidy to ensure we get everything in as soon as possible to get the quickest pre-approval.
She’s detail-oriented, knowledgeable and obsessed with getting the full picture to help Jeff position you best for now and the future.
When not filling out applications, keeping clients on track and badgering Jeff for deal review, you’ll find her with friends and family, chasing her kids and crafting or reading a new book.
Call me your mortgage matchmaker
You’ve probably seen the ads…
“Lowest mortgage rates in Canada!”
“Unbeatable rates!”
“Rates from 3-point-something!”
Here’s the truth most brokers won’t tell you:
✅ We have access to those same low rates.
✅ But we also know what’s buried in the fine print.
Because let’s be real - a low rate means nothing if the penalty to break it will cost you $15,000 later.
Or if the lender locks you into handcuffs you didn’t see coming.
That’s where we’re different.
We don’t just chase the headline rate.
We dig into the terms, the restrictions, and the future costs, so you don’t get blindsided.
Call me your Mortgage Matchmaker.
I’ll help you sort through the options, dodge the traps, and find the mortgage that actually fits your life… not just your monthly payment.
Low rate? ✅
Good terms? ✅
No nasty surprises later? ✅✅✅
Sure… You Could Fall for That Too-Good-to-Be-True Mortgage Rate… Or… We Can Actually Find You a Mortgage That Won’t Break Your Heart (or Your Wallet).
Why Velo?
✅ We don’t answer to shareholders.
✅ We’re not tied to one lender.
✅ We work for you - not the bank.
Our only goal?
Finding you the mortgage that costs you less…Gives you more flexibility…
And actually fits your life.
Whether you’re buying your first home, refinancing, or figuring out how to use your home equity to invest…
We’ll show you every option the bank won’t tell you about.
How Our Mortgage Process Works
We Listen
Tell us your goals, concerns, and what’s keeping you up at night about your mortgage.
We Analyze
We scan dozens of lenders—looking at rates, terms, and hidden traps the banks won’t tell you about.
We Recommend
You get a clear, plain-English breakdown of your best mortgage options. No jargon. No guesswork.
You Win
Pick your mortgage. Lock it in. Save money. Sleep better at night. Done.
We’re not for everyone.
But if you’re any of these…
✅ A first-time buyer confused by conflicting advice
✅ A homeowner tired of being stuck in a bad rate
✅ An investor looking to scale your real estate portfolio
✅ Someone who wants to actually understand your mortgage (without needing a finance degree)
…then you’re in the right place.
You’ve met the team. Now it’s your move.
👉 If you’re serious about getting the best mortgage deal…
👉 If you’re done with low-rate gimmicks and fine print nightmares…
👉 And if you actually want a team that knows how to outsmart the banks (because we used to work for them)…
Click below and book your Free Mortgage Strategy Call.
No fluff. No guesswork. Just straight-up answers, and a mortgage that won’t screw you later.