Kara Herbeson

Mortgage Agent
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Kara Herbeson

Mortgage Agent – Level 2

With over 9 years of experience in the mortgage industry, I’ve had the privilege of helping Canadian families navigate one of the biggest financial decisions of their lives—choosing the right mortgage solution. What sets me apart is the personal strategies I craft for each client, not just access to 30+ lenders ranging from Major Banks, Trust Companies, Credit Unions to competitive Monoline Lenders. Whether it’s helping first-time buyers secure their first home, consolidating high-interest debts into a more innovative mortgage structure, or building long-term wealth through real estate investing, I’m committed to open communication, transparency, and delivering results.

My clients know me as helpful, resourceful, and determined to find the right fit—not just for today, but for their future. Every family’s financial journey is unique, and I’m here to guide them with clarity, insight, and strategies to help them pay down their mortgage faster and grow their financial health with confidence.

Outside of work, I’m a proud mom to two amazing daughters who keep me just as busy off the clock as I am on it. Both are active in rep sports, and when I’m not helping families achieve their homeownership goals, you can find me at the rink or on the field cheering them on—and often chauffeuring them between practices and games. Balancing a busy family life with a passion for helping others has given me a deep understanding of what families need most: support, trust, and someone who truly listens. That’s exactly what I bring to every mortgage conversation.

My New Mortgage App!

Be sure to check out my FREE Canadian Mortgage App. It includes everything you need to estimate your home ownership costs. Includes mortgage payments, rates, Land Transfer fees, stress test, closing costs and much more.

There’s strength in numbers.

Confidence, too. And the confidence that comes with having the numbers on your side starts with having the right people on your side. People who speak numbers, speak your language and whose reputations speak for themselves. People who understand your goals and work with you to meet them. People like you. For trusted financial advice and service that makes you feel like you belong.

Join the tribe.

Mortgage
Services.

Customer Care

I believe that my responsibility as a mortgage expert goes well beyond simply arranging your mortgage financing. My job is to ensure that you feel confident in the mortgage process and make decisions that best suit you and your tribe.

Education

In order for you to feel confident about the mortgage process and make the best decisions for your tribe, you have to feel at ease and be able to ask questions. I stay in touch with you throughout the entire process, provide information up front, but also make myself available whenever you need me!

Best Mortgage Products

Being a part of the tribe has advantages. Access to the best lender products available anywhere in Canada is one of them. We use our extensive corporate networks to ensure you get the best mortgage product. It pays to belong.

Lenders.

We have developed excellent relationships with several lenders, let’s figure out which one has the best products to offer you!

What Clients Are Saying

If you need a mortgage, you need Kara!
Kind, trustworthy and incredibly knowledgeable. Kara works with many different lenders including major banks which makes this her super power ensuring you get the best possible rate! Her services are not only exceptional but they are also FREE! I highly recommend Kara

-Bozenka

Kara could not have reached out to us at a better time. She helped us during a stressful situation and we cannot thank her enough. We highly recommend Kara to any prospective Home Buyer. She helped us get the best rate and options we were looking for. She handled our mortgage with care and made us very comfortable . She responded to our emails and calls right away .
Thank you Kara for all your help and support.

 

Helen

Kara Herbeson is a wealth of knowledge and a great resource when it comes to mortgages. It is amazing how many additional factors should be considered other than just the rate offered. Kara will take the time to walk you through options, and what secondary lenders to consider if you’re struggling to qualify. Highly recommend Kara!” 

Krista

Have You Opened a First Home Savings Account? 

Have You Opened a First Home Savings Account? 

Young Canadians are jumping on first home savings accounts (FHSAs) as a way to help finance their homeownership dreams. In its debut year, nearly half a million Canadians opened an FHSA, according to fresh tax filing data from Statistics Canada. And it’s not...

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You Belong, Let's Talk

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FIND ME

2 Bloor St. E. Suite 3500
Toronto, ON
M4W 1A8