This page is an overview of the team at The Mortgage Management Group – great people who are passionate about serving others!
Calum W.M. Ross | MBA, PFP, CDFA, AMP
Broker | Wealth Advisor
Calum Ross is a passionate, energetic, and results focused mortgage advisor and nationally recognized leader and speaker in the field of mortgage banking and financial planning with a strong commitment to driving positive change within the financial services industry. With over seven years of post-secondary finance education from top globally ranked business schools, including the Schulich School of Business and Harvard Business School, and extensive training in the field of personal finance, there is no personal finance professional better qualified to service the mortgage and financial advisory needs of mortgage borrowers.
Specializing in comprehensive mortgage solutions, whether refinancing a residence, purchasing your second vacation home, or restructuring a vast group of real estate holdings, Calum and the rest of our team are ready to provide thorough professional advice relating to the optimal debt and equity structure of your real estate holdings to best build your wealth. Calum has personally originated over $2.1 billion dollars of residential mortgages, averaging over 100 million dollars of sales annually.
Calum is regularly featured in Canada’s top media as a mortgage expert including appearances on CBC, Global TV, CTV and BNN. In addition to his TV appearances, Calum has contributed to mortgage, personal finance, and real estate articles in The Globe and Mail, The National Post and numerous other publications. Outside of the mortgage world, Calum calls Toronto home, continues to train as a black belt in Shotokan Karate and is a fitness enthusiast all while nurturing and supporting his two most valuable assets… his eight and eleven year old daughters.
Andrew C. MacDonald | BBA, CDFA, AMP
Broker | Client Account Manager, Head of Operations
While we haven’t checked to know for sure – if you looked in the Webster’s dictionary for a picture of the consummate business professional, we think there is very good chance you would find a picture of Andrew. Always perfectly dressed and perfectly prepared, Andrew exudes absolute professionalism in every interaction. By late high school Andrew had devoured more books on personal finance and wealth strategies than most people even know exist. By his second year of undergraduate studies, Andrew was running one of the only Canadian based loan origination branches for US lenders.
Don’t let the softer tone of his voice fool you – Andrew’s commitment to service and accuracy in all he does is one of the many reasons clients rave about working with him. From his impressive attention to detail to his living Encyclopedia like ability to recall facts and recite lender and mortgage insurer guidelines – every interaction with Andrew will leave you truly impressed and fully comfortable knowing you are in supremely capable hands. Andrew is constantly thorough and on-time, and always happy to go the extra mile to give clients the comfort and assistance they need to navigate the mortgage conditions we get from lenders.
A graduate of the prestigious undergraduate business program at Wilfrid Laurier, Andrew completed his BBA as a finance major while simultaneously growing a real estate investment business and being involved in too many leadership initiatives to mention here. The most mathematically gifted member of the team, Andrew is also holds his CDFA and AMP designations.
Away from the office, Andrew and his wife are successful real estate investors who also live in Toronto. Andrew completed his first marathon in 2008 and keeps fit by playing squash during the winters and beach volleyball in the summers.
Kellie Molnar | CDFA
Agent | Client Account Manager
Kellie is our primary client account manager and our go-to mortgage lender documentation specialist. When mortgage documentation review and fulfillment became much more rigorous, and frankly a little annoying at times, we brought Kellie in as a full-time in-house specialist to ease that part of the process and bring down the blood pressure and happiness of our clients to a healthy level. Kellie understands the documentation requirements of completing mortgage loans and is a superstar in assisting our clients to complete their files early and minimize stress in the mortgage process. No matter how crazy the mortgage approval conditions from the lender may seem – Kellie will work with you to make it seem easy.
In addition to being a fully qualified mortgage agent, Kellie is also a Certified Divorce Financial Analyst (CDFA) and currently working towards her Certified Financial Planning (CFP) designation. Kellie has a solid track record of of building positive customer relationships utilizing her well developed administration abilities (something that Calum seriously lacks), and her customer survey results don’t lie.
As a mother of four, Kellie and her husband reside in Barrie and have recently sent their youngest off to university in fall of 2016 (yes – the kids have left the nest … maybe). When not helping clients with their financial goals, Kellie enjoys working out, reading and spending time with her family when they return home for weekends and holidays.
Michael Macaque | ACCA
Agent | Client Care Coordinator
What do you get when you combine high intelligence, fierce determination, and a genuine passion for providing exceptional customer service experiences? In this case you get our super star Client Care Coordinator Michael Macaque. Filled with passion, energy, knowledge, and a genuine desire to serve others – Michael works alongside Calum to get client files ready for their initial financial consultation and lender approval. He is also fluent in both English and French.
Michael is a Chartered Certified Accountant (UK) and has spent over a decade in the financial services industry working in the audit and advisory division of accounting firm BDO. Prior to joining The Mortgage Management Group, Michael had worked as both a public auditor and with a large national trust company here in Canada.
Throughout the years, Michael recognized his passion to leverage his skills and drive to serve people. When he’s not in the office serving our clients, Michael can be found hunting for the latest and greatest restaurant that Toronto has to offer or working on his personal fitness.
Elena Miller | BA
Agent | Client Care Coordinator
Elena has always had a passion for working within the customer service environment, and enjoys delivering great results to our clients as well as supporting our team members. After graduating from Trent University with a BA in English and Psychology, Elena worked in various customer service roles. It was not until she became a part of our team that she finally felt that she had found a career instead of just another “job”.
Elena has competed in several fitness competitions that involve a great deal or self-discipline and sacrifice, which demonstrate her work ethic and commitment to excellence. Beginning on our team as our front-facing Client Care Coordinator assisting Calum, Elena has now assists Andrew and Kellie with clients currently working thru the mortgage process to make ensure everything goes smoothly and that they have an excellent customer service experience. You may not hear from her until you receive a client survey but in the background Elena obsesses over how to provide the best possible customer service and how we can make sure all of our clients become “Raving Fans” of our team.
Team Performance Excellence Coach
Perhaps the greatest honour on earth for any athlete is to win an Olympic Gold Medal for their country. It is quite literally the global standard in athletic excellence. To achieve this success takes an unparalleled level of work ethic, a staggering commitment to personal and professional improvement, and a true appreciation of intense environments where passion and positive peer pressure push people to achieve their personal best. It was these exact traits that enabled Mark McKoy to win an Olympic Gold Medal for Canada in Hurdles, and these exact traits that have made him a highly valued and well suited member of our roster.
Even more impressive than being a global athletic champion – Mark is one of the kindest, most thoughtful, and most client focussed members to ever be a part of our team. Since winning numerous Gold Medals on the global stage Mark has built martial arts studios and spoken around the world on the science of human performance – but never drifted too far from his passion for serving and helping others. Mark has his champion like attitude is present in all he does. He is also the one who never stops reminding us that like a chain… a team is only as strong as its weakest link.
Mark’s expertise on the dynamics of what makes individual performance and team dynamics work well is globally recognized. After years of being a real estate investor, a licensed Realtor, mortgage agent, and working directly on the team we know there is no better person to help our group build and sustain our commitment to excellence in the mortgage and financial service industry. Mark, father of four, and his wife reside in Etobicoke with their two youngest sons. When not looking after our clients or spending time with his wife and kids – Mark can be found at the gym daily doing his daily workout at 5:30am getting supercharged for his day and getting ready to show other people how to achieve their personal and professional best. Anyone who has seen Mark speak or train knows there are very few people who take so much joy in helping others achieve more. We are fortunate to have Mark as our in house team performance expert!
You can book Mark McKoy to speak at your own event at by reaching him at: www.MarkMcKoy.com