Ryan W. Smith
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If you are looking to purchase a home, understanding all the mortgage options available to you can seem overwhelming. The market is hot and having a clear plan is a must. Refinancing means accessing the equity you've built up in your home. You could use the funds for renovation, debt consolidation, or anything else you can imagine!

Renewing is about more than signing on the dotted line. Ryan can help you shop around and decide whether to stay with your lender or transfer your mortgage elsewhere. If you're thinking about buying a home for the first time, taking out equity from your current home, or if your current mortgage is simply up for renewal, it's more important now than ever before that you get the most educated, professional advice possible.
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I love my job. A lifelong passion for customer service has led me here; to an exciting, fulfilling place where I am able to help others pursue and achieve their dreams of homeownership and investment in real estate. It's a great feeling waking up each day knowing that I'm going to make an impact in other's lives through my profession!
Buying a new home can be both exciting and extremely stressful. My son and I were so blessed to be directed to Ryan for help with this. Ryan was truly amazing! This purchase had an even greater sentimental value to it because my son was looking at purchasing his Grandmother's home. A place he had spent many hours at growing up as did his Father.
It's my job as your Mortgage Broker to understand your needs and explore the mortgage options that are most relevant to you! Your best mortgage isn't necessarily the one that offers the lowest rate, but one that offers a complete package of terms, conditions, rates and fees that fit your unique needs and expectations.
Your home is an investment. Because your home will typically increase in value and you will pay off your mortgage balance over time, your investment grows and grows. Often, this equity you are building can be leveraged to improve your home, improve your lifestyle, or help you realize other dreams you may have.
With mortgage rates at historic lows there's never been a better time to buy your first home. I love working with first-time buyers. The excitement, the nervousness, the thrill of getting the mortgage approval, and finally getting the keys to your new home! Let me help you understand the options available to you at this important stage in your life.
Reviews (6)
Kelsey Woodley
Kelsey Woodley
Jan 03, 2022
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It was lovely to work with Ryan, we would recommend him to everyone! He is professional, responsive, and most importantly, during the pandemic, tech savvy. His website and videos were extremely thorough and easy to use from uploading documents to signing papers. We were able to complete the entire process without even meeting face to face and it was quick and simple to do which was greatly appreciated. Ryan is very patient and takes the time to explain all steps of the process. We look forward to working with him again when we need to renew!
Caitlin Pflanz
Caitlin Pflanz
Dec 30, 2021
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As a first time home buyer Ryan was awesome to work with! He was detailed and organized and was able to help walk us through the mortgage process with confidence. I would highly recommend Ryan to anyone
Ky Jennifer
Ky Jennifer
Dec 29, 2021
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Ryan was so helpful with our first time home buying experience!! We had used another broker previously and made the decision to switch over to Ryan.. it was like a breath of relief! He is super easy and understand to work with and will always find a way to make things work for you. It’s nice to have someone who is honest and efficient when you are searching for a home, especially these days. We will definitely be using his services in the future. 😊
Chantelle South
Chantelle South
Dec 27, 2021
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Ryan has helped us out with a new mortgage, refinancing and now purchasing a home out of province. Every experience with Ryan has been a pleasure. He is helpful, responsive and really listens to what the client needs. His main goal is to be sure the client is happy with the product they are purchasing. I have and will continue to recommend Ryan to anyone looking for a new or different mortgage.
Richy Book
Richy Book
Dec 19, 2021
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Ryan and his team were awesome!!! Ryan like always was very professional and made everything very clear. I have used him and his team twice and it was very stream line. My job is very demanding and I was able to do all the paperwork online and get it done in this unusual time with covid and all. Thanks again Ryan and team for an outstanding job!!!!!!
Ben S.
Ben S.
Dec 11, 2021
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Ryan was excellent to work with. Not only is he friendly and professional but also creative and experienced. When others said it could not be done, his creativity and experience helped him find the perfect fit and he got the job done with no complications at a rate we were happy with. We definitely recommend Ryan and will be using him again in the future.