Our Solutions

Mortgage Strategies Serving Communities Across Canada

AYME Mortgage Strategy

AYME stands for All Your Money Everyday, the quickest and most effective way to pay back debt. We will show you how to offset interest cost and pay down principal on your debt, years sooner. Not every bank or lender will be able to use your paychecks to reduce your mortgage balance immediately. The result is too good to be true- unparalleled savings of time and interest, ultimate flexibility, and a change in lifestyle you have always dreamt of.

Connect with us and take advantage of our knowledge and expertise in creating your custom financing strategy.

After all your mortgage should be as unique as you! The AYME mortgage strategy will show you how to maximize payment frequency and lump sum payments to eliminate your debt well before you thought possible. No monthly payments, re-advance ability, unlimited principal payments are just some options that are not available in a traditional mortgage.

Whether you are a first-time buyer or a seasoned real estate investor, we’ll work with you to develop and implement a plan that fits.

Open your mind to a better way of financing your home or commercial property. A Guardian Mortgage Specialist will show you the inefficiencies in today’s banking. We will outline market conditions and provide pertinent data to aid in informed decisions. All this with an overarching emphasis on world class service!

Purchasing a Property

We cover all types of property purchases from single family homes to multi-unit residences. Whether you are buying a condo or a commercial property, a cottage, or a farm, we’ll get you the ideal mortgage solution. 


Purchasing real estate is difficult to navigate. Let us map out your mortgage choices. Shop with confidence knowing that your financing is in order and that costs, affordability, and the journey are never in question. 

Refinancing Options

Getting into the right mortgage doesn’t mean you have to wait for your current one to mature. Our assessment will let you know what makes sense now. Contrary to what many believe, interest rate may not be the most important factor in your decision. If your renewal is imminent, we’ll give you options. Let us explain what the AYME mortgage strategy can do for you.


We’ll design an integrated mortgage solution that saves you time and interest cost and aligns with your financial goals. Blend and extend, equity take out, straight transfers-we will make sense of all these terms for you. There are a wide variety of options in both the residential and commercial mortgage space when you are changing your mortgage. 


Do you need money for renovations, tuition fees, investments, or to consolidate other debt? We will get you those funds while maximizing flexibility and minimizing cost. 

Profitable Decisions

Wealth creation may mean paying down your mortgage years ahead of schedule or the purchase of an investment property. For others it may mean turning their mortgage into good debt. It all starts with a conversation. There are inherent risks in becoming a landlord and any type of investing. Here are some of the factors we will go over to help you make your decision:


  • Education and Stewardship
  • Risk assessment 
  • Investment Options
  • Administration and Legal
  • Property Management

Purchasing a Property

We cover all types of property purchases from single family homes to multi-unit residences. Whether you are buying a condo or a commercial property, a cottage, or a farm, we’ll get you the ideal mortgage solution. 

Purchasing real estate is difficult to navigate. Let us map out your mortgage choices. Shop with confidence knowing that your financing is in order and that costs, affordability, and the journey are never in question. 

Refinancing Options

Getting into the right mortgage doesn’t mean you have to wait for your current one to mature. Our assessment will let you know what makes sense now. Contrary to what many believe, interest rate may not be the most important factor in your decision. If your renewal is imminent, we’ll give you options. Let us explain what the AYME mortgage strategy can do for you.

We’ll design an integrated mortgage solution that saves you time and interest cost and aligns with your financial goals. Blend and extend, equity take out, straight transfers-we will make sense of all these terms for you. There are a wide variety of options in both the residential and commercial mortgage space when you are changing your mortgage. 

Do you need money for renovations, tuition fees, investments, or to consolidate other debt? We will get you those funds while maximizing flexibility and minimizing cost. 

Wealth Creation

We cover all types of property purchases from single family homes to multi-unit residences. Whether you are buying a condo or a commercial property, a cottage, or a farm, we’ll get you the ideal mortgage solution. 

  • Education and Stewardship
  • Risk assessment 
  • Investment Options
  • Administration and Legal
  • Property Management

We are not your traditional mortgage brokerage.

We offer an unique approach to mortgage financing.