We were fortunate enough to be referred to Carol Kollar many years ago through our Real Estate agent. Each and every mortgage renewal since I don’t give it a second thought but to contact Carol immediately. What an easy process. A quick email or phone call, everything is left in her hands. We don’t have to do anything. She keeps us up to date on the process regularly and before you know it all the documents are already prepared and presented to us with a list of what we need to provide. Talk about the ease and stress free experience of one stop shopping with these ladies. I would recommend either of them to anyone. Buying a house involved so much stress and to know that the mortgage part of it is in good hands and being taken care of so professionally and perfect is wonderful. Thanks ladies for all your help yet again this year. All I had to do was send an email. Wonderful Service!


Pat is the most wonderful mortgage broker. Pat has been my only mortgage broker through my purchase, renewal and refinance. She makes everything so simple and so easy to understand. She is so available and ready to take the call. I highly recommend working with her! Thank you so much for everything. See you at renewal!


Pat is a truly talented and effective Mortgage Professional who consistently demonstrates a strong passion for assisting her clients in sourcing the best possible mortgage solutions for both seasoned or first-time home buyers. Her in-depth industry knowledge, expertise and experience in providing a host of viable financial options to meet a client need is over and above that of any primary or secondary financial lender that I previously considered. Pat has consistently provided our family with unsurpassed service and practical mortgage options in the placement of four mortgages throughout Ontario over the last 15 years. The most recent mortgage placed through Pat was in the fall of 2014 – and we couldn’t be happier. I highly recommend Pat Dowling and the Mortgage Ladies as the “Go to” Mortgage Broker’s without hesitation.


We were referred to Pat through a good friend and were certainly glad to have the referral. Pat provided us mortgage services for the purchase of our first home and based on the great service we received we returned to arrange renewal as well as refinancing. Pat was always quick to answer any questions, extremely knowledgeable about all our options, was able to meet with us working around our schedules and is also just a pleasure to chat with. We would recommend her services to all out friends and family and will continue to work with her and the team in the future.


Thank you Carol for a great professional service. I wasn’t really keen about the mortgage but thought hard about it – you didn’t push us and you gave us time to get our heads around it all. Definitely would recommend you.

Heather & Ben

I met Pat through my real estate broker several years ago, I haven’t looked back. They save me all the shopping around and summarize my choices for me. I have had a 5-star experience with Pat and will continue to deal with her in the future.


The Mortgage Ladies came in at the 12th hour to rescue us following the recent purchase of our home, Pat Dowling had assisted us previously so I knew to turn to her when our existing lender was causing us grief. All communications and transactions were seamless and efficient in time. And we closed as had been agreed to. I would without any hesitation recommend her and will most definitely use The Mortgage Ladies again.


I have been dealing with Mortgage Architects for a number of years and I am very happy with Pat and these ladies. They work hard at getting you the best rates out there and answer any questions that you have. I would definitely refer these ladies to my friends and family as they care about you and want to help you get what you want. Thank you for caring Pat 🙂


I heard about Pat through my financial advisor who highly recommended her to me. I was so impressed with Pat. She worked so diligently and professionally to find me the best rate possible for my mortgage. It was a very stressful time financially and emotionally for me. My mom was palliative in the midst of it all and Pat was kind, understanding and patient. She went well over the call of duty to support me in every way possible. I am always more than happy to recommend Pat to anyone who is searching for assistance in mortgages. I am sure that Pat is an asset to Mortgage Architects and I am so thankful to have worked with her.