My Rates

1 Year 2.29%
2 Years 2.14%
3 Years 2.24%
4 Years 2.39%
5 Years 2.39%
7 Years 2.99%
10 Years 3.59%
*Rates subject to change and OAC
Mike Puccini Mortgage Manager

Mike Puccini

Mortgage Manager

610 Wright Ave Unit 3, Dartmouth, Nova Scotia









It PAYS to shop around.

Many Canadian homeowners pay too much for their homes because they are not getting the best mortgage financing available in the market. 


How to Shop for a Mortgage 

The mortgage process can be intimidating for homeowners, and some financial institutions don't make the process any easier.

But I’m here to help!

I’m a VERICO Mortgage Advisor and I’m an independent, unbiased, expert, here to help you move into a home you love.

I have access to mortgage products from over forty lenders at my fingertips and I work with you to determine the best product that will fit your immediate financial needs and future goals.

VERICO mortgage specialists are Canada’s Trusted Experts who will be with you through the life of your mortgage.

I save you money by sourcing the best products at the best rates – not only on your first mortgage but through every subsequent renewal. So whether you're buying a home, renewing your mortgage, refinancing, renovating, investing, or consolidating your debts — I’m the VERICO Mortgage Advisor who can help you get the right financing, from the right lender, at the right rate.

BLOG / NEWS Updates

My New Blog!

This is my new blog!

The Story of Two Brothers

The Story of Two Brothers This is a story of two brothers each of whom secures a mortgage to buy a $200,000 home. Each earns $70,000 a year and has $60,000 in savings. The first brother, Brother A believes in the old way of paying off a mortgage, which is as soon as possible. Brother A bites the bullet and secures a 25 year mortgage at the 5 year fixed rate and shells out all $60,000 of his savings as a 30% down payment leaving him zero dollars to invest. This leaves him with a monthly payment of $698.00 Brother B, in contract, subscribes to the new way of mortgage planning, choosing instead to carry a big, long-term mortgage. He secures a 30 year, 5 year, at a variable rate and shells out only $40,000 of his savings as a 20% down payment leaving him $20,000 in an investment account (specifically a TFSA, earning annual interest of 8% tax free). This leaves him with a monthly payment of $639.00. Every month he adds the $60 difference to his investment account to earn additional income at 8%. Results after 5 years Brother A has a mortgage balance of $120,769.87Has $0 in savings and investments Brother B has a mortgage balance of $141,154.15Has $33,154.15 in savingsAhead by $13,110.97 The story becomes even more compelling over 15 years. Brother A has a mortgage balance of $70,728.18Has $0 in savings and investments Brother B has a mortgage balance of $95,309Has $87,039 in savings and investmentsAhead by $62,458More importantly Brother B has less than a year left before his savings and investments exceeds his balance owing on his mortgage and therefore if he wished he could stop making mortgage payments and use his savings to payoff the mortgage. Additionally saving him $75,358 in mortgage payments.


TD Bank Scotia Bank First National National Bank B2B Bank Home Trust
Bridgewater Bank MCAP Merix Industrial Alliance Optimum Canadiana Financial
Equitable Bank ICICI Bank CFF Bank Fisgard Capital  RMG Mortgages Street Capital