The right mortgage.

The next step.

Expertly guided.

Helping families, first-time buyers, and professionals across Ottawa and Ontario find the right mortgage.

Backed by strategy, trust and results.

GET PRE-APPROVED

RENEW SMARTER

REFINANCE CONFIDENTLY

FIRST-TIME BUYER SUPPORT

Your next step, secured.

Personalized mortgage experience designed to help you navigate life’s biggest financial decisions with clarity, care and confidence.

  • Feeling stuck or second-guessing your next step?

    Whether you’re overwhelmed by options, unsure how to qualify, or just tired of feeling like a number — you’re not alone. Let’s take the stress out of your mortgage journey.

  • Not sure who to trust or where to start?

    Between confusing rates, lender pressure, and all the fine print, it’s easy to feel lost. You deserve clear guidance and a plan that puts you first.

  • Mortgage decisions shouldn’t feel this overwhelming.

    If you're navigating renewals, first-time buying, or self-employed income, you don’t have to do it alone. Get expert advice without the pressure.

01 /

Mortgage Pre-Approvals & First-Time Buyer Support

Buying your first home, or your next, can feel overwhelming. We make it easier by walking you through every step, from budgeting to pre-approvals, so you feel ready, steady and offer strong.

02 /

Mortgage Renewals and Rate Strategy

Renewal time is a chance to rethink, rework, and realign your financial path. We’ll guide you through money saving options, smart planning, and next-level decisions. All made easy and empowering.

03 /

Mortgage Refinancing & Equity Take-Outs

Unlock the value in your home to reduce monthly costs, pay off loans, or free up cash for what matters most - with tailored advice every step of the way.

04 /

Self-Employed & Non-Traditional Mortgages

For entrepreneurs, freelancers, and contract workers - flexible financing built around your income flow, not a fixed salary.

About Jessica

I’m Jessica Spence, a licensed mortgage agent who believes financing should launch your goals, not block them.

I bring a people-first approach that’s clear, strategic, and built around you. No pressure. No jargon. Just smart, personalized guidance that puts you in the drivers seat from day one.

You’re not just looking for a rate, you’re making big life moves. I get it. That’s why I take the time to understand your real goals and create a plan that fits, supports your future, and keeps things simple.

If you’re ready for mortgage advice that’s honest, thoughtful, and zero fluff, let’s take the next step together.

How It Works

From stressed to supported — here’s how you get there:

Connect

Fill out a quick form and I will reach out for us to book a call so I can learn about your goals.

Get a Plan

I’ll review your documents, run the numbers, and present your best mortgage options.

Move Forward

You choose your next step with clarity, confidence, and full support from start to finish.

  • Jessica made everything make sense.

    I walked in feeling unsure and walked out with a plan I actually understood. She broke it down in real terms, gave me options, and made me feel like I wasn’t doing this alone.

    – Sarah B.

  • “I thought being self-employed would make it impossible to qualify.”

    Jessica found solutions I didn’t even know existed and made the entire process straightforward and stress-free.

    – Jason M.

  • “As a first-time buyer, I had so many questions.”

    Jessica was kind, honest, and incredibly knowledgeable. She made sure I felt heard and supported the whole way through.

    – Emily T.

  • “Working with Jessica felt like having a mortgage coach and a cheerleader in one.”

    I walked away with clarity, confidence, and an amazing rate — and felt fully supported every step of the way.

    – Maya L.

The approach you deserve

You deserve better than one-size-fits-all answers and overcomplicated lingo. I offer real solutions, built with care and insight - so you can feel grounded, equipped, and in the know every step of the way.

STRATEGIC GUIDANCE

MORTGAGE CLARITY

REAL SUPPORT

CONFIDENT MOVES

Ready to take the next step with clarity and confidence?

Whether you're buying, renewing, or just exploring your options, you don’t have to figure it out alone. Let's build a mortgage plan that actually fits your life.

Get started by completing the form below.