your mortgage journey, simplified.
COPA mortgage is built on one belief: that every client deserves clear, unbiased advice and a mortgage that fits their life, not just what's easiest for a bank.
Brantford-based mortgage professionals helping clients across Ontario and Alberta find the right mortgage for their life.
meet the team
the faces behind COPA mortgage
COPA stands for COlleen and PAula - lifelong best friends who combined their complementary expertise to build a brokerage where clients always come first.
Colleen Shewchuk
Co-Founder, COPA Mortgage | Mortgage Agent Level 2 (ON) / Mortgage Broker (AB) | BRX Mortgage Lic#13463
I'm Colleen, co-founder of COPA Mortgage and a Mortgage Agent Level 2 in Ontario with more than a decade of experience in the mortgage and financial services industry.
After building my career in Alberta, I returned home to Ontario and now call Brantford home. I work with clients across Ontario and Alberta, helping them navigate everything from buying their first home and renewing or refinancing a mortgage to more complex situations involving self-employment, separation, debt consolidation and alternative or private lending.
I believe a mortgage should fit your life, not just a lender's guidelines. My job is to understand the whole picture, explain your options clearly and help you build a mortgage strategy that makes sense for where you are now and where you're headed.
Before launching COPA with my longtime friend and business partner, Paula, I spent years working in both mortgage lending and financial strategy. That experience gives me a unique perspective on mortgages: I don't just look at whether we can get an approval; I look at how the mortgage fits into your broader financial life.
I'm especially passionate about helping people navigate mortgages during periods of change. Whether you're starting over after a separation, restructuring your finances, building a business, buying your first home or simply trying to make a smarter decision at renewal, you don't have to figure it out alone.
Today, I'm proud to serve Brantford, Brant County and clients throughout Ontario and Alberta through COPA Mortgage, powered by BRX Mortgage.
📧 colleen@copamortgage.com
📞 403-700-8221
Paula McCready
Co-Founder, COPA Mortgage | Mortgage Agent Level 1 (ON) | BRX Mortgage Lic#13463
I'm Paula, co-founder of COPA Mortgage and a mortgage professional proudly serving Brantford, Brant County and clients throughout Ontario. I'm also a self-proclaimed “numbers nerd” who genuinely loves digging into the details and turning complex financial situations into clear, practical mortgage strategies.
I take the time to understand your full financial picture and what you're actually trying to accomplish — not just what you qualify for today. Whether you're buying your first home, purchasing an investment property, renewing, refinancing or navigating a major life change, my goal is to find a mortgage solution that makes sense for both your immediate needs and your longer-term plans.
As an independent mortgage professional, I have access to a wide range of lenders and mortgage solutions. I compare the options, work through the numbers and explain the why behind my recommendations in plain language, so you can make an informed decision with confidence.
Colleen and I co-founded COPA because we believe great mortgage advice should be personal, thoughtful and easy to understand. We bring different strengths to the table, but share the same approach: understand the whole picture first, then find the mortgage strategy that fits.
I'm proud to help home buyers and homeowners in Brantford, Brant County and across Ontario make sense of their mortgage options — and it would be a genuine pleasure to work with you.
📧 paula@copamortgage.com
📞 604-728-1320
who we help
every stage of the homeownership journey
Whether you're buying your first home or your fifth, we have the expertise and lender access to find the right mortgage for your situation.
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We walk you through every step — FHSA, RRSP Home Buyers' Plan, CMHC insurance, and the Land Transfer Tax rebate. No jargon, no surprises.
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Upsizing to a bigger home? We help you time your bridge financing, port your existing mortgage, or secure better terms on your next purchase.
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Simplifying your life? We help you maximize equity from your current home and structure your next mortgage to fit your new chapter.
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Access home equity, consolidate debt, or secure a lower rate. We run the full analysis to make sure refinancing is the right move before you commit.
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For homeowners 55+, a reverse mortgage can unlock tax-free equity without monthly payments. We explain every option so you can decide with confidence.
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From rental properties to multi-unit buildings, we structure investment mortgages to maximize your portfolio's potential and cash flow.
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Non-traditional income is our specialty. We know which lenders understand business owners and how to present your file in the strongest possible way.
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Building a new home? We work with builders and lenders on construction mortgages, draws, and bridge financing so your build stays on track.
Looking for mortgage advice in Brantford? Explore our mortgage services for Brantford & Brant County.
why COPA mortgage
independent experts on your side.
As independent mortgage agents, we work for you, not the bank. We shop our full lender network to find the right rate and terms for your situation, and we provide the kind of personal service that big institutions simply can't match.
no cost to you
In most cases our services are completely free to borrowers. We're compensated by the lender — so you get expert, unbiased advice without the bill.
30 minute response guarantee
We respond to all new inquiries within 30 minutes during business hours. On live deals, you get daily updates — no chasing required.
FSRA licensed & regulated
Fully licensed under the Financial Services Regulatory Authority of Ontario (FSRA) through BRX Mortgage. Your file is always in professional, regulated hands.
one application, 50+ lenders
Fill out one form and we do the shopping across banks, credit unions, and monoline lenders — including private lenders
how it works
simple. clear. guided
From your first question to closing day, we handle the complexity so you can focus on your home.
free consultation
We learn about your goals, timeline, and finances. No pressure — just an honest conversation about your options.
lender shopping
We compare offers across 50+ lenders and present you with your best rate and terms — no guesswork, no bank loyalty required.
close with confidence
We manage everything through to closing day with daily updates — so your only job is picking up the keys.
rate hold & pre-approval
We lock in your rate for up to 120 days and secure a verified pre-approval so you can make offers with confidence.
partner programs
built for realtors & financial planners
We believe winning in real estate takes a team. That's why we've built formal partner programs with meaningful commitments, not just empty promises.
preferred financial planner program
We offer financial planners a collaborative partnership built on shared client success. This includes financial transition planning for clients navigating major life changes, cash flow analysis and debt restructuring, full referral protection (your clients' networks always come back to you), and co-hosted Lunch & Learns to build trust and grow together.
preferred realtor program
Our partner pledge to realtors includes a 30-minute response guarantee on new leads, daily updates on live deals, paycheck protection (if our pre-approval falls through, we send you $500 for your time), referral tracking so your clients always come back to you, and our "Fly for Four" incentive — a $1,200 travel voucher for every four funded deals.
interested in partnering with COPA mortgage? let’s set up a conversation
get in touch
let’s talk about your mortgage goals
If you're interested in working with us, complete the form with a few details about your project. We'll review your message and get back to you within 48 hours.
reach out
need more info? send us a message so we can connect to answer any questions you may have!
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