Vince Savoia, MSM, EPC
Mortgage Agent, Level 2
Elder Planning Counselor
Mortgage Guidance for Barrie
and Simcoe County
Clear Advice | No Pressure
A mortgage strategy built around your life
Serving Barrie and Simcoe County | Virtually, across Ontario
I'm Vince Savoia, a Level 2 Mortgage Agent serving homebuyers and homeowners across Barrie, Simcoe County, and Ontario. Whether you're purchasing, renewing, refinancing, or planning ahead for retirement, I take the time to understand your situation before recommending a solution.
If a mortgage doesn't make sense for you right now, I'll tell you that too.
My Approach
1. Tell Me What You Need
Share what you're trying to accomplish. Purchase, refinance, renewal, or debt consolidation.
2. Review Your Options
I compare lender scenarios and outline trade-offs in plain language.
3. Move Forward With Confidence.
We submit, manage conditions, and guide the file through to closing.
Renewal | Switch
Evaluate options before commiting to your lender's first offer.
Debt Consolidation
Replace multiple high-interest payments with one strategic solution.
Retire Right
Retirement Mortgage Planning in Ontario
Retirement should bring financial stability, not mortgage uncertainty.
As a certified Elder Planning Counselor (EPC), I help homeowners approaching or already in retirement structure their mortgage to protect long-term income and reduce financial risk.
If you're within 5 to 10 years of retirement, the decisions you make about your mortgage now will shape your financial flexibility for decades. The right strategy can eliminate debt before income changes, reduce monthly obligations on a fixed income, and create a predictable cash flow without compromising the equity you've built.
We'll look at your full picture: pension, savings, property equity, and timeline, and build a plan that fits the retirement you're working toward.
A Note To Our First Responders
Beyond general mortgage services, I run a specialized practice for first responders.
If you are a first responder, a paramedic, firefighter, police officer, dispatcher, corrections professional, or military member, there is a dedicated program built specifically around your career, your financial realities, and your well-being.
Shift work. Pension structure. Operational stress. WSIB considerations. These aren't footnotes; they're central to building a mortgage strategy that actually holds up over a career in public safety.
Why Work With Vince
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Level 2 Mortgage Agent with 23+ years in financial services
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Certified Elder Planning Counselor (EPC)
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Recipient of the Meritorious Service Medal (MSM)
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Access to 50+ lenders across Ontario
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No pressure. No upselling. Honest guidance — including when the answer is "not yet."
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Limited availability each month to ensure every client gets proper attention