About Michael
Michael Makhoul is a mortgage broker with Team Active Mortgage who loves helping first-time buyers get into their first home. Before mortgages, he spent six years in banking, including investment consulting and commercial banking, so he brings a solid understanding of how lenders think and how a mortgage fits into your bigger financial picture. Michael is based mainly in Montreal and also serves clients in Ottawa, as well as across Ontario, Quebec and Atlantic Canada. He was born and raised in Ottawa and splits his time between Halifax, Montreal and Ottawa, so he knows these communities firsthand. He speaks English, French and Arabic. What Michael enjoys most is the people. Everyone has their own story, and he takes the time to get to know his clients as people while he helps them find the right mortgage. He also says he's lucky to work with a great team. Michael holds the Personal Financial Services Advice (PFSA) designation from the Canadian Securities Institute and a Certificate in Program Management from MSP Foundations. Outside work, he's a reservist with the Canadian Armed Forces. He likes staying in shape, going to music festivals and travelling in Europe.
Credentials & office details →Specialties
Frequently asked questions
Does it cost anything to work with a Team Active Mortgage broker?
For standard residential mortgages, brokers are typically paid by the lender when the mortgage funds, so there is usually no fee to you. Some files, such as private or certain alternative lending, can involve fees. Any fee is disclosed to you in writing before you commit.
What documents will I need?
Usually government-issued photo ID, proof of income (recent pay stubs and an employment letter, or two years of tax returns and Notices of Assessment if self-employed), proof of your down payment, and details of debts and assets. Your broker will confirm the exact list for your situation.
How does switching lenders at renewal work?
When your term ends you can move your remaining balance to a new lender instead of signing your current lender's renewal offer. You re-qualify with the new lender, and the switch is arranged to take effect at maturity. Start the conversation a few months before your renewal date.
Run the numbers with Michael
Mortgage payment calculator
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Affordability calculator
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