Michael Lloyd

Highly recommend, Michael and his team. Each interaction was delightful and their tenacity to find us a qualifying mortgage was bar-none the best we've ever experienced. Kind, strategic, thorough and excellent! - Lauren

Mike and The Home Happy team were great at explaining the mortgage process. They were very responsive and answered all of our questions. Great service! I would recommend Mike and his team to those buying a property or renewing a mortgage. - Devon Poznanski

Michael Lloyd and his team have been such a huge support for us while navigating being approved for a mprtgage, and renewing. They've provided invaluable information and guidance, and have had patience while explaining anything we did not understand throughout the process. Highly recommend! - Emilee Harrison

We used this agency for our first mortgage and again for our refinance. Michael Lloyd was great with answering questions and his response time. He was able to get us the best rate for what we were looking for. - Azadeh

Mike went above and beyond to help us cut back on our debts and reduce our amortization. We appreciated working with Mike and his communications through zoom and text. - Nicola and Ryan

Michael and his team were fantastic. They answered all our questions and provided awesome advice. They were very responsive and professional throughout the whole process. Highly recommend working with him! - Trevor J

We had such a great experience working with Mike Lloyd on our first home purchase. He was personable, knowledgeable, and incredibly approachable throughout the entire process. Mike took the time to walk us through everything and made what could have been an overwhelming experience feel smooth and manageable. We really appreciated his guidance and support and would highly recommend him to anyone looking for a mortgage broker! - Winnie

Mike is amazing. Good, solid knowledge delivered in a friendly, approachable manner. Mike carefully explains my mortgage so that it’s understandable and he promptly returns my emails and calls during the process. I have used him for a decade now for my mortgage needs. I will always use him for my mortgage. - Staci Mah

I was extremely happy working with Michael and his team. He was extremely knowledgeable and professional. As such, I would highly recommend his services to anyone looking to secure financing or who needs assistance purchasing a home. - Deborah Butschler

Very happy with the home happy team :) - Cathie Cote

Mike and his team did a great job getting us a mortgage on our investment property. Mike was very professional and kept us informed on the process along the way. We would definitely recommend Mike to everyone. - Kurt Wanko

The Home Happy team was very informative and patient with all of our questions as we navigated the mortgage process. They responded to our questions very quickly, and we were thankful for their guidance and feedback while making our mortgage decisions. - Emilee

Michael and his team have been my go-to people for mortgages, refinance and every question in between. Their knowledge and ability to answer (even the most elementary question when it comes to mortgages refinancing and money related) questions are above and beyond. I would highly recommend them to anyone.. - Petina Kostiuk

We were referred to Mike and his Home Happy team by our landlord when it was time to buy. This was back in 2015. We have used Home Happy for every 5-year renewal since. They always perform and have our wishes and concerns at the top of their minds. They are very pleasant to deal with and keep the renewals moving along to meet deadlines and provide advice and opportunities for mid-term reviews and adjustments. I highly recommend Mike and his Home Happy Team for your next mortgage/renewal! - Martin Jasek

Very helpful and knowledgeable. Mike has helped guide us through the mortgage world for several years now. We value his deep understanding of rates and the economy. He always takes the time to explain the process to us. Its been a pleasure. - Satnam Dhaliwal

Mike is very professional, knowledgable and accessible. He went out of his way to ensure that we were happy. There is really nothing more we could ask for of expect. - Sharon Power Smith

Mike and his team were very knowledgeable and professional. We have benefitted from his service for many years over several mortgage transactions. I would highly recommend using his expertise for all mortgage solutions. - Dominik Rudecki

We've used Michael Lloyd and the Home Happy team several times, and every experience has been fantastic. They are knowledgeable, professional, and made the mortgage process smooth and stress-free. Communication was excellent, and they always found the best options for our needs. We highly recommend them and wouldn't hesitate to work with them again. - Kari

Mike was invaluable in the purchase of our home. He was kind, patient, knowledgeable and very helpful in all aspects of the purchase. He was able to accommodate changes of circumstances with ease. I would highly recommend Mike and his team to anyone purchasing a home. - Janice Van Olst

Very pleasant to work. We wanted to cash out some of our equity so we could enjoy our retirement sooner. Our bank did very difficult despite our longstanding relationship and our excellent credit score, this only because of our not so traditional income sources. Mike came up with a great solution, which lowered our monthly payment and gave us the means we were looking for. - Huibert Visscher

MIKE AND HIS TEAM WERE GREAT, MIKE WAS VERY KNOWLEDGEABLE AND TOOK THE TIME TO EXPLAIN OPTIONS, HOW HIS TEAM KEEPS ON BY WATCHING FOR A BETTER DEAL, I HIGHLY RECOMMEND THE HAPPYHOME TEAM - Michael Fortier

As a first-time homebuyer, I couldn't have asked for a better mortgage agent. He was always readily available to answer questions, kept me informed throughout the entire process, and provided clear options tailored to my situation. His communication, responsiveness, and guidance made what could have been a stressful experience feel smooth and manageable. I highly recommend him to anyone looking for a knowledgeable and reliable mortgage professional. - Lauren Faber

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