North York · Toronto · Ontario

Your home.
Your strategy.
Your terms.

Many Ontario homeowners have built real equity, but inflation and fast-rising rates have made cash flow harder. FairChoice helps turn that equity into a calmer mortgage strategy.

Start the Conversation Explore Refinancing
25+
Years guiding
Ontario homeowners
6,000+
Clients helped
across the GTA
20+
Lender partners
we shop for you
5 ★
Client satisfaction
reviews
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"Be coached, not sold."
The FairChoice promise — since 1997.
Strategy before paperwork. Always.
Mortgage Solutions

Five paths.
One trusted guide.

Whether you're buying your first home or accessing equity after decades of building — FairChoice maps the right mortgage path for where you are right now.

01
Purchase
First-time, move-up, and investment property financing with strategy-first guidance.
→ 02
Renewal
Compare stay, switch, and restructure options before the deadline letter arrives.
→ 03
Refinance
Consolidate debt, access equity, or reduce monthly payments — when the numbers work.
→ 04
Reverse
Access your home equity in retirement — with no monthly mortgage payments required.
→ 05
Commercial
Business property financing beyond the standard residential checklist.
→
Refinancing

Unlock equity.
Lower your pressure.
Create breathing room.

Refinancing is not just about a better rate. Many homeowners, especially older owners with years of built-up equity, need a way to handle inflation, higher payments, and debt without losing control of the home they worked for.

  • Consolidate high-interest debt into one lower monthly payment
  • Access built-up home equity for renovations or investment
  • Restructure your amortization to reduce monthly payment pressure
  • Self-employed and complex income files handled with care
Get a Free Refinance Review
Why FairChoice

Three principles.
Twenty-five years.

01
Strategy before paperwork

Every client conversation starts with your goals — budget, timeline, income structure — before we ever talk about which lender to call. The mortgage follows the plan, not the other way around.

02
20+ lender partners

RMG, Scotiabank, MCAP, EQ Bank, First National and more. Because the right lender for your file isn't always the one with the billboard — FairChoice shops the market so you don't have to.

03
Be coached, not sold

25+ years in North York means we've seen what happens when borrowers rush the decision. We slow down, explain the options, and only recommend what's genuinely right for your situation.

The Team

The Handy family.
Since 1997.

Collette Handy
Collette Handy
Principal Broker & Founder
In the industry since 1983

With a career in Financial Consulting, Insurance, and Mortgage Brokering dating back to 1983, Collette built FairChoice from the ground up. A long-standing member and former director of the Canadian Mortgage Brokers Association, he brings unmatched expertise to every client file — and finds ways to make you genuinely better off financially.

↗ LinkedIn → Book a call
Sean Handy
Sean Handy
Broker of Record
Joined FairChoice in 2001

Sean joined his parents at FairChoice in 2001 and never looked back. Where the major banks see a file that doesn't fit the box, Sean sees a person with a goal — and he finds the lender who sees the same thing. He handles complex refinances, commercial files, and self-employed borrowers with quiet expertise.

↗ LinkedIn → Book a call
Client Voices

What our clients say
after closing.

"
★★★★★

Collette and Sean were very professional and guided us through the mortgage refinance with great expertise, answered all our questions in a thoughtful and timely way, leading to a smooth process and a positive outcome.

Verified Client — Toronto
"
★★★★★

It was an absolute pleasure working with Collette and his team. The level of communication and punctuality was superb. They were very hardworking and straightforward throughout the entire mortgage process.

Farhan H. — North York
"
★★★★★

Been doing business with Collette & Sean for about 2 years now. Very helpful, quick, efficient and polite. I direct friends and family to FairChoice for all mortgage needs. Highly recommended.

Verified Client — GTA
Start the conversation

Ready to map your
next mortgage move?

Tell FairChoice whether you're buying, renewing, or refinancing — and we'll start with the strategy, not the paperwork.

Talk To An Expert (905) 625-2288