Canada's First Mortgage Agent with 24/7 AI Support
Your mortgage journey — faster, smarter, and stress-free. Experience the power of human expertise combined with AI precision.
How We Help You Achieve Home Ownership
Whether you're buying your first home, refinancing to consolidate debt, navigating the complexities of self-employment income verification, or just arrived in Canada — we're here to guide you from confusion to clarity in minutes, not days.
Home Purchase
Navigate the exciting journey of buying your first or next home with confidence. We secure competitive rates and guide you through every step of the approval process, making homeownership accessible and straightforward.
Self-Employed Mortgages
Being your own boss shouldn't mean compromising on homeownership. We specialize in translating your entrepreneurial income into mortgage approval, working with lenders who understand your unique financial picture.
Refinance & Debt Consolidation
Simplify your financial life by consolidating high-interest debt into one manageable payment. Refinancing can lower your monthly obligations and free up cash flow for what matters most to you and your family.
Newcomer to Canada
Welcome to Canada! We understand the unique challenges newcomers face and have established relationships with lenders who value your international credentials, helping you establish roots in your new home.
Meet Alex – Your 24/7 AI Mortgage Assistant
Meet Alex — your intelligent mortgage guide that never sleeps, never takes a day off, and is always ready to help. Whether it's 2 PM or 2 AM, Alex is here to answer your questions, guide you through document preparation, and even book appointments with Volodymyr.
Alex combines artificial intelligence with deep mortgage expertise to provide instant answers to common questions, help you understand your options, and keep your application moving forward. Upload documents, check your application status, or get clarity on complex mortgage terms — all in seconds.
Behind Alex's AI capabilities is Volodymyr's 15+ years of expertise, ensuring every recommendation is backed by professional knowledge and personalized to your unique situation.
Free Mortgage Tools to Get You Started
Take control of your mortgage approval process before you even apply. Our free tools are designed to prepare you like a seasoned pro, helping you understand exactly what lenders need and how to present your financial story in the best possible light.
🧾 Mortgage Readiness Checklist
Discover exactly what you need before applying. Our comprehensive checklist covers credit requirements, down payment sources, employment verification, and all the documentation that speeds up your approval.
Download your personalized checklist and check off items as you go — feeling prepared has never been easier.
💼 Self-Employed Income Guide
Navigate the unique challenges of proving self-employed income. Learn which documents matter most, how lenders calculate your qualifying income, and strategies to maximize your borrowing power.
Access our expert guide crafted specifically for Canadian entrepreneurs and business owners
📄 Document Preparation List
Eliminate delays and streamline your application. Get a detailed list of every document you'll need, organized by category, with tips on how to obtain hard-to-find items.
Download your custom list based on your specific mortgage scenario and employment type.
Interactive Mortgage Calculators
Want to see your numbers in real-time? Our powerful calculators give you instant insights into what you can afford and what your payments will look like. No guesswork, no surprises — just clear, accurate projections based on current rates and your unique financial situation.
💰 Mortgage Payment Estimator
Calculate your monthly payments based on home price, down payment, interest rate, and amortization period. Adjust the numbers and see how different scenarios impact your budget.
Explore various down payment amounts
Compare different amortization periods
Factor in property taxes and insurance
Understand the impact of rate changes
🏦 Borrowing Power Calculator
Discover how much you can borrow based on your income, debts, and down payment. Get a realistic view of your purchasing power before you start house hunting.
Input your gross household income
Factor in existing debt obligations
See your maximum purchase price
Understand stress test requirements
What Our Clients Say About the Quiz
Join hundreds of Canadians who've taken the first step toward home ownership
🗣️ "Over 120+ first-time buyers have used this quiz to discover what they can afford — and they loved how simple it was!"
Client Success Stories
Don't just take our word for it — hear from real clients who've experienced the difference that expert guidance and 24/7 AI support can make in their mortgage journey
"Approved in just 5 days! 🕒"
"We thought the process would take weeks, but Volodymyr and Alex made it incredibly smooth. Having someone available to answer questions at any hour made all the difference. We're now proud homeowners in Toronto!"
— Sarah & Michael T., First-Time Buyers
"Self-employed doesn't mean impossible anymore"
"As a small business owner, I was told by three banks that I didn't qualify. Volodymyr understood my income structure and found a lender who valued my entrepreneurial success. Now we're homeowners with a great rate!"
— James K., Business Owner, Mississauga
"The newcomer support was exceptional"
"Moving to Canada was overwhelming, but the team made getting our mortgage simple. They explained everything clearly, helped us understand Canadian requirements, and we closed on our dream home in Oakville within 6 weeks of landing."
— Priya & Raj S., New Canadians
About Volodymyr Kuchyn
A lawyer by education, a mortgage expert by passion
With over 15 years of experience spanning real estate law, finance, and entrepreneurship, Volodymyr brings a unique perspective to mortgage brokering that goes far beyond simply securing rates. His legal background means he understands the intricacies of contracts, protects his clients' interests, and navigates complex financial situations with precision.
Volodymyr's mission is simple: help clients achieve long-term financial stability through smart mortgage strategies tailored to their unique circumstances. Whether you're self-employed, a newcomer to Canada, or navigating a complex financial situation, he has the expertise to find solutions where others see obstacles.
As a proud member of 8Twelve Mortgage Brokerage (FSRA #13072), Volodymyr is the first mortgage professional in Canada to offer AI-powered 24/7 client support through Alex, combining cutting-edge technology with personalized human expertise.
15+
Years of Experience
In real estate, finance, and mortgage strategy
1st
In Canada
To offer 24/7 AI-powered mortgage support
100%
Client-Focused
Dedicated to your financial success
Your Trusted Real Estate Network
Getting a mortgage is just one piece of the homeownership puzzle. That's why we've built a network of trusted professionals who work together to make your real estate journey seamless from start to finish. It's not just about mortgages — it's about building your complete dream team.
Viktoriia Kuchyna – Realtor
Expert guidance through the home buying and selling process. Viktoriia brings deep market knowledge and negotiation expertise to help you find the perfect property or maximize your sale price.
Financial Advisor
Strategic financial planning that goes beyond your mortgage. Get expert advice on investments, retirement planning, and building long-term wealth aligned with your homeownership goals.
Real Estate Lawyer
Protect your interests with expert legal guidance. From reviewing purchase agreements to ensuring smooth title transfers, our trusted legal partners handle all the details.
Accountant
Tax-efficient strategies for homeowners and investors. Maximize your deductions, plan for rental income, and ensure your mortgage strategy aligns with your overall tax situation.
Insurance Specialist
Comprehensive protection for your most valuable asset. From mortgage life insurance to property coverage, ensure your family and investment are fully protected.
Ready to Start Your Home Ownership Journey?
Let's find out how much you can borrow — no cost, no obligation
Your free consultation includes a comprehensive review of your financial situation, personalized mortgage options tailored to your goals, and a clear roadmap to approval. We'll answer all your questions, explain your options in plain language, and give you the confidence to move forward.
During your consultation, we'll discuss:
Your maximum borrowing power based on current rates
Down payment requirements and options
Pre-approval strategy and timeline
Best mortgage products for your situation
Next steps and document preparation
Book your free consultation today — available evenings and weekends to fit your schedule. Meet in person, by video call, or by phone — whatever works best for you.
Mortgage services provided by 8Twelve Mortgage Brokerage — FSRA #13072
© 2025 Kuchyn Mortgages | All Rights Reserved
Resources
First-Time Buyer Guide
Self-Employed Mortgages
Newcomer Support
Refinancing Options