Personal Choice Mortgage Services Inc. was founded in 1997. As frequent changes to mortgage regulations led to an increased demand for the expertise and independent counsel of mortgage brokers, Mary Carey recognized the advantages a small but well-connected firm had to offer, including the ability to form a more personal connection with clients. With Personal Choice, you’re not just another number on a loan; you’re an individual with specific needs.

On top of finding you the best deal on a mortgage, our job is to walk you through every step of the process so that you never feel overwhelmed. We are an independent company, which means we work with a large number of financial institutions and lenders, all competing for your business. As a proud member of the VERICO Mortgage Brokers Network, we are able to offer the intimacy of a small business with all the benefits of a large national organization. 

Personal Choice is consistently rated as one of Ontario’s top Mortgage Brokerages by several of the country’s biggest lending institutions. We earned this reputation through years of superior service. It is our goal to extend this exclusive service to you not just today, but for as long as you are a client at Personal Choice.

Management team

Mary Carey

Principal Broker | Owner

Mary Carey is the owner and Principal Broker of Personal Choice Mortgage Services Inc. Her career began at the Royal Bank of Canada, where she worked for eight years before earning her FICB (Fellow, Institute of Canadian Bankers) designation and joining a local mortgage company as a mortgage consultant in 1988.

The decision to start her own business in 1997 arose out of the industry’s growing demand for a small but driven brokerage firm that could offer a more personalized approach to financing—one that was tailored to the specific needs of each client. With more than three decades of experience in mortgage lending, Mary has witnessed firsthand the many changes that have occurred within the industry and is equipped to handle any situation. As such, she is regarded as one of the leading mortgage professionals in the province. 

Mary Carey

Megan Carey

Mortgage Broker

Megan Carey started working at Personal Choice in 2004 while earning her diploma in Business Administration from Mohawk College. Before becoming a Mortgage Agent in 2008, she worked her way up through the company as a receptionist and office administrator in order to gain a better understanding of every facet of the industry. Her hands on-experience enables her to help clients find the best mortgage to suit their specific needs while making the process as easy and stress-free as possible.

Personal Choice is truly a family business. For as long as she can remember, Megan has wanted to follow in the footsteps of her mother and become a Mortgage Broker. Her professionalism and dedication to the industry have earned her recognition as one of “Canada’s Rising Mortgage Stars.”

Megan Carey

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