your mortgage
made simple

From pre-approval to closing, I’ll guide you every step of the way. 

apply now
book a call

Join Hundreds of Happy Clients Who Trust Me for Smart, Stress-Free Mortgages!

Industry Knowledge

Clear Communication

client focused

trustworthy

about me

With over 7 years of experience at Canada’s largest bank, I’ve had the privilege of helping hundreds of clients navigate the home financing process—from first-time buyers to seasoned investors. I ended my time there as a dedicated Mortgage Specialist, gaining a deep understanding of lending practices, financial planning, and the importance of personalized service.
 
Today, I’ve taken that experience and transitioned into mortgage brokering to offer something more: choice. 
 
more about me

get started in 3 easy steps

  • book a Call

Book a free consultation to discuss your goals, whether you’re buying, refinancing, or investing.

  • review your options

I’ll analyze your financial profile and present tailored mortgage solutions from multiple lenders.

  • Secure Your Mortgage

Choose the best-fit option, and I’ll guide you through the application and approval process—stress-free.

services

Whether you’re just starting your homeownership journey or exploring your next investment, I’m here to help. Have questions or feeling unsure about your next step? Reach out today for clear, personalized advice—and a free, no-obligation mortgage quote.

Pre Approval

Gain pre-approval to ascertain your loan eligibility, ensuring you can confidently budget and make offers during your home search.

First time home buyer

Buying your first home is a big step—and it can come with a lot of questions. I'm here to simplify the process and help you find a mortgage that’s perfectly aligned with your financial goals.

purchase

Buying a home is a major milestone, and we're here to help. Whether it’s your first purchase or an upgrade, we’ll secure a mortgage that fits your budget and goals. Investing in real estate? We’ll help you find the right financing to grow your portfolio and maximize returns.

Mortgage Renewal & Transfer

When it’s time to renew, we’ll help you secure the best rates and terms for your current finances and future goals. Switching lenders? We’ll ensure a smooth, stress-free transition with better terms and savings.

BFS or self-employed

If you're self-employed, proving income can be tricky—but we specialize in finding mortgage solutions designed to fit your specific circumstances.

Refinance & Debt Consolidation

Refinancing taps into your home’s equity to pay off debt, invest, or build your RRSP. It’s a smart way to simplify finances, reduce stress, and save money.

Home Equity Line of Credit

A HELOC provides flexible access to funds by borrowing against your home’s equity—perfect for renovations, major purchases, or debt management.

reverse mortgages

Reverse mortgages allow homeowners 55+ to convert home equity into cash without selling. The loan is repaid when the home is sold, the owner moves, or passes away.

VIEW ALL SERVICES

Private Financing

Private mortgages offer alternative financing for borrowers who may not qualify with traditional lenders, providing flexible solutions based on property value and equity.

Commercial Financing

Commercial mortgages provide financing for income-producing properties like office buildings, retail spaces, or multi-unit residential complexes, tailored to meet business and investment needs.

why choose
zane cowan ?

  • Every mortgage solution is tailored to your unique financial goals and lifestyle.
  • I shop the market for you—offering more choice, better rates, and flexible options.
  • No surprises—just honest, clear guidance from start to finish.
  • Backed by years in the industry and hundreds of satisfied clients.

lending partners

  • Plus, a wide network of lending partners ready to support your financial journey.

happy clients

Linda L

Without hesitation we would highly recommend Zane Cowan to anyone who is seeking a professional Mortgage Specialist. His kindness and personal consideration assured us that he had our best interests always in mind. He is extremely knowledgeable - quick to

Rob W

I've used Zane's service a couple of times now and he has come through with flying colours on both occasions. I highly recommend Zane to connect you with the best institution for the best mortgage available.

Brian Y

Zane has been super helpful with with my mortgage application. He was able to push his team internally to get me a firm approval without me having to move so much asset upfront. He communicated proactively and promptly throughout the

Emma H

Zane was fantastic. He was always quick to respond, eased my nerves and fought for a great rate for us! I always felt so comfortable asking questions as if it were talking to a friend. He was able to get

Nimrata R

Working with Zane Cowan has been a wonderful experience. He is too good as a mortgage adviser and guides the best for the family. We are happy as the first time home buyer that we connected with Zane and he

Matt L

I was very happy with Zane’s level of attention to my specific needs earning a commission based salary. He was knowledgeable and open to sharing his understanding of the industry. He also seemed very well established and introduced me to

Trevor B

Zane is the best mortgage specialist I've ever worked with. He's kind, professional, and it's clear that he's looking out for my best interests as his client. When looking for a new mortgage, he beat the competitors rates by a

view all reviews

Excited to Take the Next Step Toward Your New Home?

I’m here to guide you through the mortgage process—simple and stress-free.

Apply now
book a call

© Copyright True Vantage 2025 All rights reserved.