Mortgages that make sense

Michelle Farrugia and her team are nothing short of awesome! She can host a MASTERCLASS on mortgages and her level of professionalism is nothing short of impressive!! As a real estate investor, I have nothing but the highest praise for Michelle and Cognitive Capital. I look forward to doing all of my future real estate dealings with her as she is an essential asset to my wealth building team.. #bestinthebuisness

I worked with Michelle through Cognitive Capital- what I can say is she is the most knowledgeable individual on mortgage offerings I have spoken too. She takes the time to ensure her client understands the entire process of closing on a mortgage, and is always willing to explain the pros/cons of mortgage options, possible penalties, lender packages etc until all parties are comfortable with making a decision. I will definitely be recommending her to others in the future.

Michelle is the best broker I've had the pleasure to work with. Educating you and getting you the best rate and product is what she does. Look forward to working with her on all my deals. Thank you so much!

We would like to thank Michelle, Marley and Jake for all their assistance in refinancing our home. Feeling grateful.

I would like to really thank the Cognitive Capital team and especially Royston Simon who helped us through the entire mortgage financing process. Royston is very professional and made our lives a lot easier through the home buying process which can be very stressful.

Michelle and her team are excellent and professional they helped me with a refinance and everything went smoothly on their end. Sometimes I think they work too hard, even though I message them on a Sunday afternoon they will still be working. I don't think they sleep or take days off :/.

So glad we chose Cognitive capital for our very first property. Michelle, Marley & the rest of the team guided us through this process with so much knowledge and ease. As first time home buyers, we had so many questions and thankfully michelle took the time to explain everything with so much wisdom and confidence. They made this entire experience so wonderful and I highly highly recommend this team. Michelle even referred us to our amazing realtor, Lu. Cant wait to work with all of them again in the future.

I had the pleasure of working with Royston Simon. From the beginning he gave many different options in terms of our financing, and throughout the whole process he kept us informed and up to date. He was very reassuring ( I stress hard lol) , and got everything done quickly and efficiently with our 3 week closing. Would recommend!

Michelle is such an incredible person to deal with! Her and her team are just wonderful. Michelle was very responsive and smart. She provided myself and my husband with solutions that would benefit us the most currently and for our future plans. We loved Michelle so much, we went with her for a second deal (an investment property) which thanks to Michelle and her business savvy ways, was doable for us when we sold our primary residence and purchased our dream home (about 3 months apart)! Now we have our dream home and our investment property! We will definitely be in touch with her again in the near (well maybe 3-5 mark) future! She is very professional, quick, and just a treat to deal with! I will definitely recommend her to ANYONE and EVERYONE I can! Thanks so much Michelle!!!

Michelle and her team were a tremendous asset and a great guide through the first-time-home-buying process. Very knoweldgeable and always available to answer questions. Thank you for all the help!