Michael Lloyd

Mike and his team are simply wonderful! After purchasing our townhouse 5 years ago and then mortgage renewal in 2026, Mike made the entire process very easy. He is always there to answer my phone calls and emails, making my family feel very well taken care of. We trust Mike completely and would recommend him to friends and family. - Eleni Cartwright

Michael was very knowledgeable and helpful- he didn’t give up and got me what I needed! It was a unique property and situation so I was very happy! Would 100% recommend. - Cody Ryan

Mike is the best🤩 highly recommend happy home with all your mortgage needs… they are fast , punctual and very attentive to all of your housing needs…. Will definitely use them again for future transactions - rom verrando

Mike Lloyd and Home Happy are fantastic and highly recommended. I have used them twice now for a mortgage and mortgage renewal, and will be using them for all of my future financing needs. - Grant Aiton

We had an excellent experience with Mike and his team. They provided personalized service, were very responsive to any questions we had, and guided us through every step of the process. Not sure what we would have done without them. We’re also excited to continue working with them long-term for ongoing guidance. Highly recommend! - Karen and Bernie Hollemeyer

Michael and Kalynka have been fantastic to deal with. Super communicative and always think outside the box and make things happen. I've used them multiple time and would highly recommend to anyone needing mortgage guidance and pre-approval! - Patryk Norek

Mike delivers a level of service that is unmatched. His knowledge and advice is solid. We have worked together for ten years and each time I’ve used him for my mortgage I’ve been happy with the service he provides. Highly recommend. - Staci Mah

Fantastic service provided by Mike and Kalynka. We have used them a number of times now and highly recommend them. They are professional, knowledgeable, and considerate throughout what can be a stressful process. - Scott Ackerman

An excellent mortgage broker. Personable, knowledgeable, answers questions in a way you can always understand the answer and has excellent rates. Better than my local credit union could do. Strongly recommend. - RJE

Michael helped us arrange a line of credit to purchase our dream property. The process of deciding what kind of mortgage we needed was made easy as Michael is very knowledgeable and explained all the options very well. I am always cautious in recommending places, especially to do with finances - but I have confidently referred numerous friends to Michael. - Dennie Segnitz

Please do not display my full name, address, email or other entered data. Hopefully this is not too late of an entry. Mike Lloyd and his team are the best! Thank you for all your assistance. - Not displaying same

Michael was excellent, provided clear advice and got us a great rate on our mortgage. I highly recommend Michael and his team and will use them again in the future - Lisa

Mike is great. Thirty words thirty words thirty words thirty words thirty words thirty words thirty words thirty words thirty words thirty words thirty words thirty words thirty words thirty words - Peter

Mike and his team were wonderful, walked us through all the steps. They always made sure we were comfortable and in the know!!! The whole process was simple and they made sure we got what we wanted and found us the best deal. Great team to work with and will use them again when the time comes!!! awesome people. - Mike

I’ve worked with Mike for several years, starting with my first condo in 2006. He’s always been professional, knowledgeable, prompt and good to work with. He provides several options when looking for a mortgage. I highly recommend him! - Lynne Joiner

I highly recommend Mike Lloyd as your mortgage broker. He helped me successfully purchase three different homes and I couldn’t be more grateful. He really goes that extra mile to get you the best deal and helps you through the entire process with very little stress!! It was quick and easy and I couldn’t have had any better of an experience! Thanks again Mike, we really appreciate you!! - Teri

I found Michael and company easy to talk to friendly, proffessional, and so helpful. I was presented with all options open to me as well as advise. Would recommend highly - Denise Kowalski

Always a pleasure working with Mike and his team - Victoria

Mike and his team were very heaplfull in achiving my goals. was able to obtain financing to renovate my property Via the phone calls or the email replies Mike helped me out 1000% i highly remomended Mike the refreal came from Dallas Crick - Jason Filatow

Michael helped in our first mortgage which was a huge step for us. He has helped in multiple mortgage renewals as well as securing lines of credit. He has helped in our daughters home purchases and will probably assist us again in the near future. - Daniel

I have dealt with Kalynka + Mike for the past year and their service is beyond reproach. Courteous, friendly, professional, and extremely knowledgeable, they made my transaction seamless. Highly recommend reaching out for all your mortgage questions. They personalize their commitment to finding the best solutions suited to you; they listened to my “story” with empathy and worked with me in a timely manner to set up the best mortgage. I give them 10/10 and if I could go higher I would! - Rosaleen

We have used Micheal Lloyd's business on 3 real estate transactions - from our first purchase to downsizing, they've always been a huge help. Michael has been involved directly and is extra reassuring. but he also has great brokers on staff. Highly recommend. - Glen E Pope

My wife and I have used Mike and his team for over 20 years for our various properties and mortgage needs. Mike is very knowledgeable and has goes above and beyond for his clients. We have no hesitation in recommending Mike and his team for your mortgage needs. - Randy Thiara

Michael has helped me for over 20 years with a variety of home and condo purchase mortgages. He has also helped my son with a mortgage for the purchase of his first condo. - Judy

We have used Michael for all our mortgage transactions since 2001. We are always on the lookout for the best deal. He has been exceedingly helpful and his professionalism and responsiveness make it easy to recommend him often. - Tracey

Excellent service and a lovely gift provided upon possession. I’d highly recommend their services if you want a processional, well informed broker. I wouldn’t go anywhere else for a mortgage renewal. - Amber Currie

Have used Home Happy for at least 4 mortgage renewals over the last 20 odd years. Have also recommend Home Happy to other people who used his serve successfully. Very professional, timely and does a great job shopping around for lowest rate possible. - Sean

Michael and team did a superb job in helping us through the process. This is our third transaction with the Happy Team, and they continue to provide the best service possible. Our family will always go back to them and recommend them as a respectable and integral agent of choice to anyone. - Lui F

I feel very safe and taken care of when I work with Mike and his team. They are prompt with responses and they have your back. Fully trust and highly recommend! - Kerry

I can’t recommend Mike and the team at Home Happy highly enough. I’ve purchased two properties with them and felt secure and informed every step of the way. They treat their clients like actual people. We’ll be upsizing in a few years when the kiddos are bigger and will absolutely be reaching out to them again. - Andrea

Michael Lloyd from Home Happy was great to work with. He was friendly, responsive, and made the home-buying process much easier and more enjoyable to navigate. Overall, a very good experience. - Brad Keller

Michael and his team made the process very easy and non stressful. Being a single mom, renewing my mortgage had always been a very stress time in the past. They took care of everything remotely, which was extremely convenient. Every questions I had throughout the process was answered very quickly and professionally. I will be recommending Michael and his team to friends looking to renew their mortgages moving forward. - Julie

Mike helped me with two mortgages and he was a pleasure to deal with. In addition to his detailed knowledge of various mortgage products, which helped me find the right one. I appreciated his opinions and advice, which helped make the whole process work out smoothly. - Ron