About Theo Kyriakopoulos

What do I focus on?

Most mortgage practices are built around home purchases. Mine is built around what comes later: reverse mortgages, mortgages at 55+ and in retirement, offset mortgages, private client mortgages, and borrowing that fits a financial plan.

What is my background?

I am a co-owner of One Link Mortgage & Financial as well as a practising mortgage professional. I hold a Bachelor of Commerce (Honours) from the University of Manitoba, an Executive MBA from the University of Fredericton, and a Master of Arts in Byzantine Studies from Queen's University Belfast.

Outside the brokerage I co-own Olympic Olive Oil, which imports single-source extra virgin olive oil from Greece. I work with clients in English and in Greek.

Family comes first for me, and that shapes how I work. The decisions I help with usually involve a home, a retirement and the people who will inherit both, so I treat them the way I would want my own family's handled.

How do I work with clients?

• I compare lenders and tell you why I am recommending one.
• I show you the costs and risks in writing, including what a decision does to your equity over time.
• I look at every option, including the ones that mean you do not need me.
• I work with your advisor, accountant and family whenever you want them involved.

Where am I licensed?

• Manitoba: Mortgage Salesperson
• Ontario: Mortgage Agent Level 2, #M25000264
• Saskatchewan: Licence #514246
• Alberta: Mortgage Associate

I am licensed through One Link Mortgage & Financial: Ontario Brokerage #13829; Saskatchewan FCAA Brokerage #514791; Alberta RECA Mortgage Brokerage #2127384572. You can confirm any licence with the provincial regulator.

What happens in a first conversation?

We talk for about half an hour, by phone or video. I ask about your home, your income, what you want the money to do and who else advises you. You leave with a plain account of your options and what each would cost. There is no charge and no obligation.