About the author

Jeff Mudrick

Licensed Ontario mortgage agent. Founded Mudrick Mortgages in Newmarket with wife Emily. Named CMP Rising Stars Top 40 Under 35 (2024). Creator of GradeMyMortgage.ca and PhysicianFinancing.ca.

License

FSRA #M21001275

Title

Mortgage Agent, Level 2

Brokerage

BRX Mortgage Inc. · #13463

Based in

Newmarket, Ontario

Experience

A mortgage agent and a builder.

Jeff has spent his career combining direct client work with building the infrastructure that makes that work better. He founded Mudrick Mortgages with wife Emily, grew a 164-review Ontario practice, and along the way built GradeMyMortgage.ca (the free consumer tool that grades an existing mortgage A+ to F against best-available rates) and PhysicianFinancing.ca (the dedicated Canadian physician mortgage practice).

In 2024 Jeff was named to the Canadian Mortgage Professional Rising Stars list (Top 40 Mortgage Professionals Under 35). His practice runs on mortgage technology he authored himself, now used by a growing network of independent Canadian mortgage agents.

Credentials & licensing

What lets Jeff represent Ontario homeowners on mortgages.

FSRA License

Mortgage Agent Level 2 · #M21001275

Issued by the Financial Services Regulatory Authority of Ontario. Level 2 is required to advise on private lending and complex mortgage structures.

Brokerage

BRX Mortgage Inc. · Lic #13463

National mortgage brokerage with access to 50+ Canadian lenders across the full A, B, and private stack.

Jurisdictions

ON, BC, AB, SK, QC, MB, NS, NL, NB

Licensed in nine Canadian provinces. Primary practice in Ontario, with cross-province files served as needed.

Award

CMP Rising Stars · Top 40 Under 35 (2024)

Canadian Mortgage Professional magazine's annual recognition of top young mortgage professionals in Canada.

Specialization

Where Jeff's practice concentrates.

01
First-time home buyers
First Home Savings Account (FHSA), RRSP Home Buyers' Plan, provincial and municipal first-time buyer rebates, down payment planning, and pre-approval strategy.
02
Mortgage renewals
Real math on what a bank renewal letter is quietly costing. Full comparison of switch-lender options, including penalty recapture analysis.
03
Physician mortgages
Projected-income qualification for Canadian medical residents and fellows, corporate-income mortgages for incorporated physicians, and PLOC down-payment strategy.
04
Investment property financing
Rental property qualification, portfolio expansion, buy-before-sell bridge financing, and portfolio-LTV optimization for Canadian real estate investors.
05
Self-employed mortgages
T4A, invoice-history, and stated-income qualification paths for Ontario business owners and contractors outside standard bank underwriting.
06
Mortgage penalty and IRD calculations
Precision on 9 Canadian prepayment penalty methods, including lender-specific IRD variants that often save five figures at renewal or payout.

Also by Jeff

Sister properties.

Physician Financing→

Dedicated Canadian physician mortgage practice. Projected-income qualification, PLOC strategy, and incorporated-physician corporate income mortgages.

Grade My Mortgage→

Free consumer tool that grades an existing mortgage A+ to F against best-available Canadian rates. 30 seconds, no email.

RateGuard Pro→

Mortgage technology platform Jeff built for Canadian mortgage agents. Used by a growing network of independent brokers.

Craig Austin Mortgage Group→

Sister Ontario mortgage practice led by Craig Austin in Halton / Hamilton / GTA. Shared referral network for geographic fit.

Talk to Jeff

Your mortgage, handled by a licensed Ontario agent.

Free 30 minute call. Your numbers, your options, your plan. 164 five-star Google reviews say it works.

Book a call