Terms of Use
Last updated: September 12, 2026
This website provides general information about mortgage services offered through 1546664 Ontario Inc. operating as Mortgage Edge. It is intended to help you start a conversation and understand the website’s features. It is not a mortgage contract, lender commitment, or substitute for the documents provided during an application.
Professional identity and service area
In Ontario, Evgenia (Jenny) Korotkyi Luchina is registered as a Mortgage Agent Level 2, licence M22002620, with Mortgage Edge, Ontario brokerage licence 10680. In Alberta, Evgenia (Jenny) Korotkyi is registered as a Mortgage Associate with 1546664 Ontario Inc. o/a Mortgage Edge, RECA ID CON-00145359. “Level 2” is an Ontario licence class; the Ontario number is not an Alberta licence.
Current status can be checked using the provincial registry links in the footer. Services are subject to the applicable provincial authorization and brokerage arrangements. A regulator’s registration or a registry link does not mean the regulator endorses this website, a lender, or a mortgage product.
Information and individual advice
Website content is general and may not fit your financial circumstances. Before making a decision, obtain advice appropriate to your situation and review the relevant lender and brokerage documents. Information may change. Please contact Jenny to confirm details that matter to your decision.
Browsing the website, using its calculator, or sending an initial inquiry does not by itself submit a mortgage application, authorize a credit check, reserve a rate, or guarantee financing. Any service relationship and its scope must be addressed through the brokerage’s process.
Rates, availability, and approval
Services and lender options depend on the borrower, property, product, province, and lender requirements. No wording on this website promises approval, a particular rate, the lowest rate available in the market, or access to every lender. Approval and terms depend on the lender’s assessment and the applicable documentation.
Alternative and private mortgages may involve higher interest rates, additional fees, shorter terms, and refinancing or repayment risks. They are not appropriate for every borrower. Product-specific risks and costs must be reviewed before proceeding.
Mortgage calculator assumptions
The calculator estimates principal-and-interest payments using the mortgage amount, annual interest rate, amortization, and frequency selected. It assumes a nominal annual rate compounded semi-annually and a constant rate for the full amortization. Actual mortgage rates may change at renewal or under a variable-rate arrangement.
The interest rate initially displayed is an example, not an advertised offer or current rate quote. Monthly, biweekly, and weekly estimates use 12, 26, and 52 payments per year respectively. Weekly and biweekly estimates are regular payments, not accelerated payment plans. Results are rounded to the nearest dollar.
The calculation excludes property taxes, insurance premiums unless already included in the mortgage amount you enter, legal and appraisal costs, lender or brokerage fees, and prepayment charges. It is not an affordability assessment, stress test, qualification decision, or amortization schedule. Lenders’ calculation methods may differ.
Inquiries and appointments
“Prepare email” opens a draft in your email application. The website does not send it for you. You must press Send in your email application; delivery and a reply are not guaranteed. If a draft does not open, use the displayed email address or telephone number.
When requesting a call, include your preferred day, time, and time zone. An appointment is confirmed only when Jenny confirms it. Do not use this form to send sensitive documents or time-critical instructions. Information handling is described in the Privacy Policy.
Compensation and transaction disclosures
Compensation, any borrower-paid fees, relevant relationships, conflicts of interest, and product-specific risks depend on the transaction. The brokerage’s applicable disclosures and agreements govern those matters. This website is not a replacement for required disclosures, consents, advice, or review periods.
Acceptable use and external websites
Use the website lawfully. Do not attempt unauthorized access, introduce malicious code, disrupt the service, or submit information you are not entitled to share. The website’s content and images are subject to applicable intellectual-property rights.
External links, including Mortgage Edge and regulator links, lead to separate websites with their own terms and policies. A link is provided for information and does not guarantee third-party content, availability, or services.
Availability, legal rights, and updates
The website may be unavailable or contain errors. Please report an issue before relying on a result that appears incorrect. Nothing in these terms excludes duties, remedies, or consumer rights that cannot lawfully be excluded, or overrides applicable Ontario, Alberta, or federal law.
Updates will be reflected in the date above. These website terms do not retroactively change an existing mortgage agreement or replace the specific agreements and disclosures provided for a transaction.
Contact
Contact Jenny at jenny.korotkyi@gmail.com or 647 388 0452. For brokerage questions or concerns, contact Mortgage Edge at info@mortgageedge.ca or 1-866-448-3343.