Our Story

A family business built on one promise.

Since 1997, the Handy family has guided over 6,000 Ontario homeowners, retirees, and business owners through every mortgage decision — calmly, clearly, and always in your corner.

FairChoice Team
1997
Founded in North York
Our Mission

Be coached, not sold.

Collette Handy founded FairChoice Mortgage Co. in 1997 with a simple but radical idea: that every borrower deserves a clear strategy, not just the fastest approval. His wife joined him, then his son Sean — and for nearly three decades, the Handy family has been proving that a mortgage brokerage can operate differently.

"My father started FairChoice in 1997. My mother and I joined him in 2001 and we've been on a mission to exceed our clients' expectations ever since. The results they achieve are in direct relation to our understanding of their situations."

— Sean Handy, Broker of Record

Today FairChoice has helped over 6,000 clients across North York, Toronto, and the GTA — from first-time buyers to retirees accessing equity to business owners navigating commercial financing. The mission hasn't changed since day one.

6,000+
Clients Helped
25+
Years in Business
20+
Lender Partners
5★
Client Reviews
The Team

Meet the Handys.

One family. Three decades. One unwavering commitment to getting the mortgage right.

Collette Handy President
Collette Handy
Principal Broker & Founder
In the industry since 1983

With a career in Financial Consulting, Insurance, and Mortgage Brokering dating back to 1983, Collette built FairChoice from the ground up. A long-standing member and former director on the board of the Canadian Mortgage Brokers Association (IMBA), and former vice president of the Peel Multicultural Council, he brings an unmatched breadth of financial expertise to every client file. He specializes in finding ways to make you better off financially — not just approved.

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Sean Handy Broker
Sean Handy
Broker of Record
Joined FairChoice in 2001

Sean joined his parents at FairChoice in 2001 and never looked back. He brings the same coached-not-sold philosophy to commercial files, self-employed borrowers, and complex refinances. Where the major banks see a file that doesn't fit the box, Sean sees a person with a goal — and he finds the lender who sees the same thing. He handles the full mortgage application process, from gathering documentation to negotiating terms, so you can focus on the life you're building.

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What We Stand For

The principles behind every conversation.

FairChoice isn't a volume shop. Every client gets the same level of attention — the same care Collette brought to his very first file in 1983.

Strategy before paperwork

We don't lead with lenders. We lead with your goals — your budget, timeline, income, and plans. The mortgage follows the strategy, not the other way around.

Independent advice, always

A broker doesn't work for any one institution — we work for you. With 20+ lender partners, FairChoice finds the best fit for your specific file, not the easiest approval.

Calm at the critical moments

Mortgages are the biggest financial decisions most people make. FairChoice slows down when it matters — explaining every option before anything gets signed.

Ready to talk to the team?

Start a conversation about buying, renewing, or refinancing — and FairChoice will map the next step clearly.

Start the Conversation (905) 625-2288