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© 2025 Factor Mortgage Team

The #1 FACTOR in Home Financing Success?
A Mortgage Agent You Can Trust.

Licensed Mortgage Agents Serving Ontario
Factor Mortgage Team

What We Believe About Mortgage Guidance in Ontario

The most important FACTOR is guidance built on trust and clarity.

We believe that mortgage advice should be personal, transparent, and future-focused. Our goal is to simplify the process, earn your trust, and help you make confident decisions—now and for years to come. Every situation is unique, and we’re committed to helping you find the mortgage solution that fits your specific needs, goals, and circumstances.

Our Mortgage Services

With access to over 50 different lenders – our brokerage has an array of mortgage options to find the best product for you

purchases

Whether you’re buying your first home, upgrading, downsizing, investing in a rental, or securing that dream vacation property, we’re here to guide you every step of the way—from pre-approval to the day you get the keys. Let’s connect early in the process to explore your financing options and make sure everything is in place for a smooth, stress-free purchase.

refinancing

Your home can be a powerful financial tool. Whether you’re looking to consolidate debt, fund a renovation, invest in another property, make a large purchase, or simply reduce your monthly payments, there are flexible options available to tap into your home’s equity. Let’s explore what’s possible and find the right solution for your goals.

renewals

As your life and the market evolve, your mortgage should too. Renewal time is the perfect opportunity to reassess your goals and explore options that better suit your current needs. Whether it’s securing a lower rate or switching to a lender with more flexible features, transferring your mortgage is simpler than you might think—and it could save you money along the way.

MEET OUR LICENSED MORTGAGE AGENTS

The best experience starts with the best people.

Curtis Kirkey

Mortgage agent level 2
license – m08005743

I’m Curtis, a licensed mortgage agent with Mortgage Architects.
With almost 20 years in the banking world, I’ve seen just about every type of mortgage scenario you can imagine — and I’ve learned that people don’t just want answers, they want someone who’s actually listening. I bring a steady, strategic approach to lending, but I keep the conversations real and grounded.
Whether you’re buying, renewing, or refinancing, my goal is to help you navigate your options with clarity and confidence, and to make sure the strategy behind your mortgage actually supports the life you’re building.

Alex Lyon

Mortgage agent level 1
license – m25000375

I’m Alex, a licensed mortgage agent with Mortgage Architects, and someone who’s spent over a decade helping people feel comfortable and confident during big life decisions. I’ve worked with clients across Belleville, Quinte West, and the surrounding areas long enough to know that no two situations ever look the same.
My approach is simple: real conversations, clear information, and zero judgment. Mortgages can get complicated fast, but they don’t have to feel that way. I’m here to walk you through the process in a way that makes sense for you—straightforward, transparent, and human.

CONTACT OUR MORTGAGE TEAM

LETS GET STARTED

Curtis Kirkey

Mortgage Agent Level 2

License M08005743

  • 613-403-4850
  • curtis@factormortgages.ca

Alex Lyon

Mortgage Agent Level 1

License M25000375

  • 613-848-2851
  • alex@factormortgages.ca

Mortgage Architects – Brokerage #12728

Disclaimer: The information provided on this website is for general informational purposes only and is not intended as financial or legal advice. All mortgage applications are subject to approval based on standard credit criteria. Rates and products are subject to change without notice. Factor Mortgage Team consists of agents that are licensed under Mortgage Architects and operate independently. Please contact us directly to discuss your specific needs and eligibility.

Factor Mortgage Team — Licensed Mortgage Agents in Ontario.
We help clients with home purchases, mortgage renewals, and refinancing across the province.

MORTGAGE ARCHITECTS BROKERAGE #12728

© 2025 Factor Mortgage Team