About the owners

Michelle Ghazouli AMP Broker and Owner of MICO Financial

Michelle Ghazouli, AMP
Broker/Owner, FSCO Licence # M08003664
MICO Financial, FSCO Licence # 11736

Colin Fernall Broker and Owner of MICO Financial

Colin Fernall
Principal Broker/Owner, FSCO Licence # M08005467
MICO Financial, FSCO Licence # 11736


Born from a union of strength with a passion for excellence, the unique team of Mico financial was formed. After 15 years working as peers and independent mortgage agents within a previous brokerage, Michelle Ghazouli and Colin Fernall's long time friendship and professional symmetry merged into the birth of Mico Financial Corporation in February of 2009.

Mico was born from our mutual desire to bring our passion, experience, service and performance excellence to create an unbeatable solution in the mortgage industry and the markets that we serve. Our wish was to spread and mentor our independent and combined successes to other mortgage professionals which comprise our team and of whom we are extremely proud. As recognized specialists in their respective fields, Colin Fernall's subprime and commercial experience, coupled with Michelle Ghazouli's consistent top performance as a residential financing broker proved to be a winning combination. In Mico's short tenure, Michelle and Colin have been able to command the highest regard and top rankings within the Mortgage Centre Franchise network as well as within the lending community, shooting to the top ranks within each of these respective sectors with awards and recognition from each.

We are excited and hopeful to share and let you our clients, take part in this experience by allowing us to service all your needs whatever and wherever they may be. With a team of trust worthy, experienced, kind, and above all, fun group of professionals that comprise Mico, we are sure we will exceed every expectation you may have. With our services spanning a wide geographic territory; from Parry Sound to the Toronto downtown core, we welcome and thank you for the opportunity to meet and experience Mico.

Let the power of integrity, hard work and industry recognition make your next financial transaction an unparalleled and memorable experience and thank you for letting us serve you!


Current Mortgage Rates

TermBank RateOur Rate
1 year3.20%2.39%
2 years2.84%2.14%
3 years3.44%2.34%
4 years3.89%2.49%
5 years4.64%2.64%
7 years5.30%3.29%
10 years6.10%3.69%
*rates subject to change
without notice
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