Meet Sarah Colucci

As a seasoned professional with deep roots in real estate law and mortgage lending, I've spent years guiding individuals towards homeownership. With a background in launching condominiums, managing real estate transactions, and securing favorable mortgage rates and terms for my clients, I've become a trusted industry leader. My comprehensive understanding of the Canadian real estate market ensures a smooth journey for borrowers through each phase of the process.​​

Mortgage Broker in Newmarket, Aurora, King City, Bradford, Holland Landing and East Gwillimbury

Better Mortgages With 
Better Rates, Negotiated
On Your Behalf. 

Thanks to the sheer volume of mortgages we broker each year, Sherwood Mortgage Group can secure the most competitive rates for you. We provide access to premier mortgage products that you cannot negotiate on your own. Experience the Sherwood advantage today!

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My Process

We recognize that your time is a treasure too precious to spend on endless bank visits or trudging through mortgage brokerages. That's why we've crafted a solution as efficient as it is effective.

With Sarah Colucci, there's no need to rearrange your schedule or step foot in our office. You can explore the best mortgage options right from the comfort of your own space. Simply fill out our streamlined online application at your convenience, and we'll arrange a phone appointment tailored around your schedule.

It's time to turn the page on the traditional mortgage process. Join us for a phone consultation, where we'll guide you through your options, answer any questions, and illuminate your path to getting the best mortgage financing.

When you're ready to move forward, you can complete the mortgage process through digital signing. 

Find out how Canada's mortgage qualification rules (stress test) may affect you if you're buying a home or refinancing.

• Calculate your total cost of owning a home.
• Estimate the minimum down payment you need.
• Calculate Land Transfer Taxes and the available rebates.
• Stress-test your mortgage.
• Estimate your closing costs.
• Compare your options side by side.
• Search for the best mortgage rates.
• Email summary reports (PDF).
• Use my app in English, French, Spanish, Hindu, and Chinese. 

Mortgage Renewals & Locking In a Great Rate

Don't make the mistake of failing to renegotiate the best interest rate available on renewal.   With a rate guarantee, you can ensure  thousands of dollars worth of savings! 

Our transfer programs are proven to save you tons of money since they provide better interest rates and mortgage terms than your existing lender. Plus, our lenders usually cover legal fees and discharge fees associated with your mortgage transfer, so not only are you getting a better deal, there is also no cost to you to make the switch.

Navigating the Purchase of Your First Home

Whether you are starting this journey on your own or with others, we are here to help you successfully purchase your first home. 

Homeownership can sometimes feel daunting or overwhelming, however, working with experienced professionals can help simplify this process and make it enjoyable.

There are many different types of mortgages available and with our help we can work together to find you the right one. We believe education is key and that's why we are here to guide you every step of the homeownership way.

START YOUR MORTGAGE PRE-APPROVAL

Refinancing & Second Mortgage Loans

You now have equity available in your property and need it to invest, renovate or pay for a child's education.

There are many different strategies that you can use when it comes to making use of the equity you have acquired in your property. Depending on what you need, we will match you with the preferred lending institution.

Whether you need cash-out refinancing or to set up a line of credit, we can advise you on the right strategy that will help you maximize your savings.

Investment Property Mortgages

Expand your real estate portfolio and invest.

Property values in the GTA have increased by over 200% in the last 12 years. This means investing in real estate will likely make you money and can be a great retirement strategy.

Canada's population is set to expand dramatically from now until the year 2100 and, as a result, housing will always be in demand especially in Toronto and the surrounding area.  We can help you expand your real estate portfolio and invest wisely by helping you assess the best properties that will make money and most importantly, cash flow! 

Are you in need of a reliable and trustworthy mortgage service? Look no further! Sarah Colucci is an expert and offers a wide range of mortgage services to meet your needs including: 

• Free, no hassle consultation
• Mortgage Pre-Approvals with an interest rate guarantee for up to 120 days
• Mortgages for rental properties
• Extended ratio mortgages for those who don't qualify with prime lending institutions and who are rate sensitive
• Alternative mortgages without broker fees
• Refinancing and debt consolidation
• Home Equity Lines of Credit (even for those with bruised credit or minimal claimed income) 
• Second Mortgages and Equity Line Visas
• Mortgages for professionals such as Doctors, Lawyers, etc.
• Mortgages for self-employed borrowers
• Mortgages for borrowers with bruised credit or new credit
• Appraisal assessments (second-opinions) 
• Commercial mortgages
• Private mortgages

Are you self-employed and recently turned down by your bank? 

Even if you're self-employed with unclaimed income, or have experienced credit issues, don't worry—we're here to assist you. We work with lenders who consider bank statements and income declarations as valid evidence of income, rather than relying solely on tax returns. Thus, we can bypass the red tape and secure you a competitive rate with great terms.

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