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About Haus:
At Haus, we specialize in providing comprehensive mortgage and construction financing solutions that empower you to bring your building projects to life. Whether you're a homeowner looking to build your dream house, a developer tackling a commercial property, or someone renovating an existing structure, we’re here to guide you through every stage of your project with financial solutions that fit your needs.
Our Expertise:
Construction Finance
Short-term financing to fund the stages of a new build or major renovation until the project is complete. We understand both the construction process and lender requirements, so we can structure draw schedules, approvals, and budgets to keep projects on track and funded at every stage.
Refinance and equity take outs
Replacing your current mortgage or accessing the built-up equity in your property to fund renovations, consolidate debt, or invest. Our team can assess your current mortgage and market conditions to find the best refinance solution, unlocking funds while minimizing costs and penalties.
Conventional and
High Ratio Mortgages
Traditional home loans. “Conventional” means 20% or more down; “high-ratio” mortgages let you buy with less down and typically involve mortgage insurance. We know how to match clients with the right lender and product to optimize rates, terms, and long-term affordability, whether they have large or small down payments.
Alternative and private lending
Flexible financing solutions outside the traditional banking system. Perfect for properties or projects that don’t fit into the strict criteria of conventional lenders, such as custom builds, mixed-use developments, or other unique real-estate opportunities. Our expertise helps match you with funding sources that understand the value and potential of distinctive properties.
Why Choose Haus?
Whether you’re investing in a new home, expanding your property portfolio, or securing financing for a commercial development, our team has the expertise to guide you through every step. We offer customized mortgage strategies for both residential and commercial projects, ensuring the structure of your financing supports your long-term success. With a deep understanding of market trends and lending options, we help you make confident, informed decisions no matter the scale of your property goals.
With years of experience in both the mortgage and construction industries, we understand the complexities that come with financing a build from the ground up. Our team works closely with you throughout every phase of construction to ensure that the financial process is as seamless and efficient as possible. We take pride in developing tailored construction finance solutions that align with your project’s timeline, budget, and goals so you can focus on turning your vision into reality.
Meet Our Mortgage Experts
At Haus, we’re a passionate team with decades of combined experience in construction and mortgages. We provide personalized guidance and practical solutions to help you navigate financing and ensure your project’s success from start to finish. Meet the experts ready to support you at every step of your journey.
Ty Naemsch - Mortgage Agent Level 2
With more than 20 years of experience in the financial industry, Ty Naemsch has built a reputation as one of Canada’s most trusted and accomplished mortgage professionals. He began his career at RBC as an Alternative Mortgage Specialist, where he developed expertise in alternative lending and complex financing solutions. Now with Haus Mortgages, Ty continues to provide strategic, client-focused mortgage advice built on integrity and experience. His industry excellence has been recognized with the Diamond Award from Dominion Lending Centres (top 5% of all DLC brokers). Ty also has been featured in the CMP’s Top 75 Brokers nationwide magazine.
Sandra Ferreira - Mortgage Agent Level 2
With over 17 years of experience in the mortgage industry and a strong foundation in banking, Sandra brings deep expertise and a client-focused approach to every transaction. As a Level 2 Mortgage Agent, she has not only helped countless clients secure the right financing solutions but has also trained and mentored new agents entering the field. Recognized for her leadership and impact, she is a proud recipient of the CMP Women of Influence award.
Gabriel Tiri- Mortgage Agent Level 2
Gabriel helps clients move confidently through every stage of homeownership. Dual licensed as a Mortgage Agent and Realtor, he offers a 360° perspective focused on getting the job done from financing to closing. He began his career as a Mortgage Associate, gaining hands-on experience across A and B lending, private financing, and construction mortgages. That early exposure to a wide range of client profiles and lender types shaped his ability to structure deals. Gabriel developed his foundation in real estate at Toronto Metropolitan University, earning a Bachelor of Commerce in Business Management with a specialization in Commercial Real Estate. With experience spanning development projects, refinancing, and investment properties, he simplifies complex deals with clarity and care. Outside of work, Gabriel enjoys the outdoors and backcountry camping. On his off hours, you can often find him canoeing or fishing on quiet lakes and exploring new areas.
Requirements
To help us provide the most suitable mortgage options and financing solutions for your project, please download and complete the Application Form and Consent Form (either electronically or in wet ink), then return them to Tiri@clnmortgages.com.
We also encourage you to review the accompanying checklists to get an overview of the documents and information a lender may require. Once we’ve received your completed forms, a member of our team will contact you to confirm the next steps and let you know exactly which items will be needed for your specific project.
Get In Touch
Ty Naemsch:
(416)-737-7536
Ty@clnmortgages.com
Sandra Ferreira:
(416)-831-9095
Sandra@clnmortgages.com
Gabriel Tiri:
(647)-879-8474
Tiri@clnmortgages.com