Easy Mortgage Solutions

Learn how I can help you with your next mortgage.

Happy Clients

My husband and I renewed our mortgage last year with Hercules and were extremely satisfied with the whole experience. In the past we had dealt with the bank as well as a private investor/financial firm and were pleased when Hercules managed to find us a mortgage rate that was substantially lower.As a nurse who does shift work it was refreshing to have a professional who was flexible and worked around our schedules. Hercules is the very definition of the word genuine. He was friendly, knowledgeable, professional and dedicated. We would definitely recommend him to anyone looking for a mortgage expert who will undeniably deliver.

Jennifer & Mathew Theis, Waterloo

Switching from the bank / other broker over to Hercules was like night and day. He was very thorough, attentive, quick, and responsive. He made us feel comfortable throughout the entire process. We were first-time home buyers and he was able to clearly relay the conditions from the lender efficiently despite our special circumstances. He even got us a better rate than the bank / other broker. Would recommend to all.

Aaron Voelker, Kitchener

Living up to his name, Hercules was able to accomplish what I thought was impossible. With literally one week until our new house closed and multiple hurdles to jump, Herc got it done and got it done well! Amazing! I cant thank Hercules and his team and Mortgage Ingenuity enough!

Devin Veevers Macdonald, Kitchener

This is the third mortgage we have done through Hercules. He does a fantastic job! He always gets the best rate possible. We are self employed and had he had no trouble getting any of the mortgages approved. He is always very quick to reply to my emails and answer any questions or concerns we have had. Anything we want done differently he explains what the differences are and quickly gets them taken care of. Wouldnt go anywhere else to get a mortgage )

Kelsey Langridge

Hello HerculesFirst of all, let me thank you for your excellent work and for helping me secure my mortgage. I will definitely refer you to all my friends and acquaintances.

Dr. Ehab Ali

Herc helped my spouse and I with our first mortgage. Although I had some some research going in I still had a lot of questions and uncertainly on how things actually played out. Herc help us go through the whole system was was very patient and helpful with answering any questions we had very quickly. Very much recommend! Would be happy to go through him again for any of our mortgage or refinancing needs!

Amanda Elliott

We used Hercules for two mortgages and had a wonderful experience. He helped us secure a better rate than our bank was offering each time. Hercules is very friendly, easy to deal with and quickly replied to all of our questions & concerns. I would definitely recommend speaking with him before finalizing your next mortgage.

Zeshaun Hasan

Excellent service, great rates and attention to detail. You walked us through everything so there were no surprises at all. Were grateful that we found your services! Highly recommended for sure.

Karen and Jeff

Hercules is the person you need to go to in order to get your mortgage and finances in order. He will find you an option...I thought my chances to get my family into a house were next to none and he came up with plans and options that made us feel comfortable and not strapped for money. I will use him again the next time we need our mortgage looked at as he is 100% trustworthy and wont feed you any BS...I implore anyone looking for mortgage/mortgage advice to talk to Hercules first

Adam G, Guelph

Hercules has helped us twice now to get our mortgage. In the whole process of getting a house the easiest part was getting the mortgage with a great price all because of the amazing job Hercules does. We will go back to him next time and recommend him if you are also looking for a mortgage broker who works for you in your interest.

Farsheed Roshani

We wanted to get a mortgage through our bank but came across your website on the internet. Are we ever glad we did. We saved literally tens of thousands of dollars and the whole experience was a breeze.

Dan and Cindy

Amazing service! Herc was great to deal with and was always available when I had questions! I would recommend the team at Mortgage InGenuity to anyone!

Stephanie Riach

Hercules demonstrated that he was highly knowledgeable with regards to the various mortgage solutions available. He provided guidance when we were deciding between variable and fixed based on his understanding of the current economic environment, and educated us on the various valuable mortgage features that we should consider when making our decision. Furthermore, Hercules exhibited a high level of professionalism, by coming fully prepared to every meeting and ensuring that he had everything in order on his end to allow our house to close on time.We are currently more than 2 years into our 5 year mortgage and we couldnt be happier. Hercules recommendation to go with a variable rate has saved us thousands of dollars in interest, and he ensured that our mortgage allows for extra payments, which has also been critical.Lastly, we have referred several friends to Hercules and all of them are as happier as we are! Thank you Hercules!

Lesley & Chris, Kitchener

Hi Hercules, I cant thank you enough for your help, Im so grateful I was referred to you. You really know your stuff and you get the job done quick it was all very helpful.

Jim S, Kitchener

Hercules has helped me recently and in the past with my Mortgage. I will definitely go back to him next time and recommend him to my family and friends.

Andrew Morby, Guelph

Hercules is the person you need to go to in order to get your mortgage and finances in order. He will find you an option...I thought my chances to get my family into a house were next to none and he came up with plans and options that made us feel comfortable and not strapped for money. I will use him again the next time we need our mortgage looked at as he is 100% trustworthy and wont feed you any BS...I implore anyone looking for mortgage/mortgage advice to talk to Hercules first.

Adam Gertzbein

Hercules was helpful and informative - helped us understand our options and got us the best mortgage. Highly recommended!

Niki Allerton

Patient, knowledgeable and detail orientated - I highly recommend Hercules Mina for any mortgage transaction.

Aaron Francis, Kitchener

I would just like to write a little BIG something about Hercules, who has gone way beyond my expectations as a Broker in helping us to find the best mortgage supplier and rate. He worked endlessly with myself in the right mortgage for us, and did an exceptional job. He was always there to guide me and advise me day or night, by email or by phone. We are greatly appreciative of his hard work and dedication to us alone. We would definitely recommend Hercules to our friends and family members who are looking for a Broker with the dedication and determination he provides to his clients, as if they are the only ones he has.Thank you again Hercules, could not have done this without you.

Norm & Dawn Deschamps, Brantford

Wow! What a gentleman. Great guy and gets the job done! Best in the business hands down

Chris Jankz, Kitchener

Hercules and his staff are knowledgeable professionals who made our experience of mortgage shopping a quick and painless one ! I have and will, continue to use his financial expertise for any future property investments.

Aurie & Janet Botosan, Kitchener

Latest Lending Rates

Due to fluctuating financial markets, mortgage rates change often! Contact me today to receive current rates and a complimentary in-depth quote.

Mortgage Services

I offer a wide range of mortgage products and services that can be tailored to fit your exact needs.

  • Credit Repair & Debt Consolidation

    Use your home equity to lower interest payments on bad debts.
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    Use Your Home Equity to Reduce Credit Card Debt

    Many Canadians are taking advantage of refinancing some of the equity in their mortgage to reduce their credit card debt. Why pay high interest rates on your bank's credit card debt when you can add that debt to your mortgage and pay a much lower interest rate! One important part of a strategy is knowing "good debt" from "bad debt". A well-planned mortgage can help you turn those bad debts into good debts and get them out of the way.

  • Mortgages for First Time Home Buyers

    We'll help you with the biggest financial decisions.
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    Looking for your first home?

    Buying a home is an exciting time! You're about to take a big step so you'll definitely need some advice from a mortgage professional. We'll give you the facts your bank won't tell you about financing your next purchase. With access to multiple lenders, we'll help you find the best rates and best mortgage options to help you buy your dream home.

    Need a pre-approval before you go househunting?

    Find out how much you can afford before you go househunting! This will keep you focused on shopping for homes within your price range.

  • Renovation Financing Made Easy

    Building a new home or renovating your property... we can help.
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    Sometimes, the house of your dreams is the one you're already in.

    Maybe it just needs some new landscaping, an expanded kitchen, or a swimming pool in the backyard! A record number of Canadians have taken advantage of the historic low mortgage rates and rising real estate values and have tapped into their home equity through equity take-outs. There's never been a better time to access the extra funds that can help bring your home to that next level of comfort. Consider accessing the cash you need for the renovations and improvements you've been dreaming about!

  • Investment Property Financing

    Looking to invest in a second piece of property? We can help.
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    Investment & Vacation Properties

    Investment properties and residential real estate are now accessible to many average Canadians. And as any homeowner will confirm, real estate has been one of the most attractive investment categories in Canada for the past decade. If you're considering an investment in real estate, we can help you out,

    There are many Canadians jumping at the chance to own a recreational property. No longer just perceived as a welcome retreat from the city, a second home is now viewed as a solid financial investment with the added value of a potential retirement property.

  • Mortgage
    Pre-Approval

    Find out how much you can afford before you go househunting!
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    Need a pre-approval before you go househunting?

    Find out how much you can afford before you go househunting! This will keep you focused on shopping for homes within your price range. If you qualify for a preapproved mortgage, you'll be certain of the size of mortgage for which you qualify and guaranteed a rate for a specific period of time. If you don't qualify for a pre-approved mortgage, we will be able to help you estimate a mortgage-qualifying amount.

  • Mortgage Portability Products

    Are you considering a move in the near future? Think portability.
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    What are the Benefits of Mortgage Portability?

    Are you considerating a move? What are the benefits of mortgage portability? It's wise to begin by talking with a mortgage broker. You're about to take a big step; you'll want some advice from an expert. My best advice? Begin with a conversation.

    With access to multiple lenders, we'll help you find the best rates and best mortgage options to help you buy your dream home.

  • Mortgage Renewals & Switches

    If your mortgage renewal is fast approaching then we can help.
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    Let us help you get a better rate!

    If your mortgage renewal is fast approaching now's a great time to look at the many innovative options and competitive rates available. Lenders send out renewal forms just prior to renewal dates to those with good payment histories, with about 70% of homeowners sending it back without asking any questions. You should ask yourself some questions before you sign on the dotted line. This could be an important moment of opportunity.

    Having multiple lenders compete for your business is a great way to ensure you get the best rate for your situation.

  • Mortgages for Self-Employed

    We have smart mortgage options for self-employed professionals.
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    Mortgages for the Self-Employed

    When it comes to mortgages, it hasn't always paid to be self-employed - because reducing your taxable income can make it difficult to qualify for the mortgage you deserve. We understand business owners because we're business owners, too.

    Having multiple lenders compete for your business is a great way to ensure you get the best rate for your situation.

Contact Information

Hercules Mina
3-110 Frobisher Drive
Waterloo, ON N2V 2G7

tel: 226-666-7301 x102

mobie: 519-590-2670

fax: 226-646-1310

toll free: 1-866-401-3763 x 102

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Mortgage Application

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