Helping Ontarians Make Smart Mortgage Choices

About Me

Hi, I’m Joe Yiu, a licensed mortgage agent in Ontario (License No. M24001353) with the Breezeful team. I hold a Master’s degree from Western University and have years of experience helping individuals and families navigate important life decisions, from education to real estate. Today, I focus on helping clients across Ontario make smart, stress-free mortgage decisions, no matter their background or financial situation. I work with a wide network of A lenders, B lenders, and private lenders. This allows me to find the best mortgage solution tailored to your unique needs, whether you're: A first-time homebuyer; A self-employed business owner ;A newcomer to Canada with limited local credit or Someone looking to refinance or invest. I’m passionate about simplifying complex mortgage processes and supporting my clients every step of the way, from pre-approval to closing. I pride myself on being responsive, knowledgeable, and approachable. You won’t just get a mortgage – you’ll gain a long-term advisor who truly cares. If you have questions, need a second opinion, or just want to explore your options, I’d be happy to connect.