Mortgage Broker Mike Toporowsky; helping build community in Spruce Grove.
"As an independent Mortgage Broker, Mike can find your best mortgage fit."
Independent Mortgage Broker Mike Toporowsky, AMP
What Can Mike Do For You Today?
New and Existing Residential Mortgages
New and Existing Residential Mortgages
New and Existing Residential Mortgages
A suite of rate options to fit most budgets.
Fixed - Variable - Low down payment - Conventional and more.
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Commercial and Agricultural Mortgages
New and Existing Residential Mortgages
New and Existing Residential Mortgages
Farm loans, land banking, equipment lease loans, refinancing for agriculture, the accommodation industry and small businesses.
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Mortgage Investment Opportunities
New and Existing Residential Mortgages
Mortgage Investment Opportunities
Learn how the private mortgage market can provide the investment vehicle you've been looking for.
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Mike's Featured Realtor®
Tina Badry, Century 21 Masters REALTOR®
"As a second generation in the Real Estate Industry, I have been exposed to nearly every aspect of the Real Estate business. If you're thinking of selling or buying, let's work together to position your property for a speedy sale at TOP DOLLAR or find your next DREAM HOME! " - Tina
Tina Badry; Not Your Average REALTOR®!
"I'm here to help you throughout your entire home buying and selling process. Trying to do it all on your own can be burdensome. I'll find you homes within your price range, help you find buyers, assist you with paperwork, and more.
My dedication to exceptional client service does not cease with the completion of the sale. I pride myself on providing continued client satisfaction long after the initial transaction as I continue to serve your best interest. In an ever-changing market, I know that it is imperative that both buyers and sellers are consistently provided the most up-to-date information necessary to make the most accurate of decisions." - Tina
Mike's Featured Listing
Looking to Live in a Lake Community?
Investors, First-Time Buyer or Lake Lover! Discover the charm of lake community living in the Summer Village of West Cove! This inviting 2-bedroom bungalow offers an open-concept kitchen, dining, and living area with abundant cabinetry and a cozy bay window nook. The primary bedroom features a walk-in closet and 4-piece ensuite, complemented by a second 2-piece bathroom. Patio doors open to a concrete patio and fenced backyard with raspberry bushes, a fire pit, and storage shed. Recent updates include roof, well pump, exterior door, and patio doors. The attached double garage has been converted into a versatile flex space ideal for hobbies, a home gym, studio, recreation room, or additional living area, with the option to convert back to garage use. Enjoy front and rear parking pads, back alley access, paved roads to the property, and a short walk to the boat launch and lake access. Enjoy year-round recreation in this welcoming lake community.
Affordable Living in Awesome Ambleside Link
Welcome to Unit 106 at 320 Ambleside Link SW! This bright and well-maintained 2-bedroom, 2-bathroom condo offers the perfect blend of comfort and convenience. The open-concept layout features high ceilings, a spacious kitchen with a walk-in pantry. granite countertops and built-in desk, plus fresh paint and new carpet. The primary suite includes a walk-through closet leading to a private 3-piece ensuite, while the second bedroom is ideally located next to the 4-piece main bath. Enjoy the convenience of in-suite laundry, a southwest-facing private balcony with a natural gas BBQ hookup, and two titled parking stalls—one heated underground with a storage cage and one surface stall. Building amenities include a fitness room, social room, and guest suite. Condo fees include everything except power and internet. Just steps from shopping, restaurants, walking paths, and everyday amenities. Move-in ready and waiting for you!
Stellar Property in Sensational Stony Plain
Stellar Property in Sensational Stony Plain
Fall in love with this beautifully transformed bungalow in Heritage Court, an exclusive adult (55+) community! Bright & truly move-in ready, this nearly 1,200 sq ft, 3-bed, 3-bath home offers an open floor plan, upgraded vinyl plank flooring, main-floor laundry with huge linen closet/2nd pantry & single attached garage. The stunning kitchen boasts an extended island, new counters, glass backsplash, pullout drawers, soft-close doors, new hardware, stove, fridge, dishwasher, and garburator. Living room opens to a private west-facing deck with gas line; primary suite offers walk-in closet & 4-pc ensuite. Partly finished basement adds a bedroom, 2-pc bath & flex/craft room. More upgrades: new furnace, A/C, front/rear storm doors, custom blinds, built-in vac, updated main bath, pot lights, remote fans, fresh paint, new locks, commercial basement floor paint, 2025 front bedroom window & newly insulated living/primary windows. Close to trails, parks & shopping, exceptional style, comfort & pride of ownership!
Residential Mortgage Options
Mike has a plan that's right for you.
- Fixed rate CMHC/SAGEN/Canada Guaranty insured High Ratio Mortgages (low down payment or low equity)
- Variable rate mortgages (insured and uninsured)
- Manufactured Home financing
- Single family homes, Condo units (both apartment and townhome style), Acreages, farms and raw land
- Home Equity credit lines
- Reverse mortgages (Canadian Home Income Plan- CHIP for seniors 55 )
- Conventional Mortgages (20% down payment /equity, no-CMHC necessary)
- Residential construction mortgages (both bank or private lenders...whatever makes sense)
- Private mortgage financing (first, second, third and forth mortgages) for good and bad credit
- Access to Mortgage investment corporations and other licensed lenders
- Bridge and interim financing (short term financing)
- Completion financing (mortgages arranged to payout your construction financing)
- Foreclosure repair mortgages
- Lease To Own
- Refinance and equity take-outs
- Mortgage renewal reviews and switch mortgage (moving your mortgage to a different lender)
- Credit coaching (sometimes it takes time to get to your goal of home ownership, but you need to know what the banks expect.)
Take the first step.
Talk to Mike about your home ownership goals and if you're ready to make the leap. A free consultation is the first step to achieving your dreams. It costs nothing to know where you stand.
Mortgage Investment Opportunities
Individual investment opportunities
Individual investment opportunities in private mortgages (contact Mike directly 780-940-0604)
RRSP eligible private mortgage investment opportunities
Diversify your portfolio. Let's talk strategy
Commercial and Residential investment opportunities
Invest in Albertans rebuilding the provincial economy one commercial mortgage at a time.
Mike's Philosophy
If I would not feel comfortable lending this deal out of my own savings, I will not ask you to risk yours
Stay in the loop
We assist with any concerns both before and after the transaction (generally throughout the mortgage)
Please note
We do not allow pooled mortgage funds (syndicated mortgages) just one on one Borrower/lender mortgages
Commercial and Agricultural Mortgages
Mortgages for farming, small business and industry
- Bank financing for purchase of land and building
- Farm loans
- Factoring
- Motel/Hotel/Restaurant
- Land banking
- Commercial equipment leasing
- Refinance
- Raw land and commercial lot purchases
- Investment financing
- Private lending for commercial ventures
- a brokerage fee will be required for Commercial and Agricultural deals (dependant on type of deal and amount of mortgage)
Mike's Memberships
Mortgage Professionals Canada
MPC represents 15,000+ Mortgage Professionals nationally.
Alberta Mortgage Brokers Association
Alberta's Mortgage Brokers Association supports our province's Mortgage Broker community with education, professional development and advocacy.