Ruby began her career in banking at just 17, building a strong foundation in lending and financial solutions early on. Today, as a mortgage advisor, she leverages that experience to help first-time buyers, growing families, and investors navigate the mortgage process with confidence.
She understands that every client’s situation is unique—whether purchasing a first home, upgrading for a growing family, or expanding an investment portfolio. Ruby’s goal is to make the process simple, transparent, and tailored to each client’s needs while identifying solutions that support their long-term financial objectives.
As a mother herself, Ruby appreciates the importance of making smart, secure financial decisions for the future, and she is committed to guiding clients through every step of the mortgage journey with care and clarity.
Please call me for all of your mortgage needs at (647) 546-1302 or email me at ruby@clovermortgage.ca today!
| TERMS | FIXED | VARIABLE | PRIVATE 1ST MORTGAGE | PRIVATE 2ND MORTGAGE |
|---|---|---|---|---|
| 5 Year | 3.99% | 3.39% | ||
| 4 Year | 4.09% | |||
| 3 Year | 3.99% | 3.55% | ||
| 2 Year | 4.39% | 8.99% | 9.99% | |
| 1 Year | 4.39% | 5.99% | 7.99% | |
| 7 Year | 4.45% | |||
| 10 Year | 5.24% |