As a new employee I got a relocation package from Blackberry (RIM), which included an orientation tour in Ottawa and around. By that time we were mostly interested in finding a home to live and I asked the lady, who conducted the tour, about the mortgage specialist. Gemma negotiated with the current mortgage provider to reduce the originally proposed rate and provided the option for even lower rates with other providers and terms. She calculated the estimated money difference for those options and advised us regarding prepayment.

-Sergey & Evgeniya