Featured Founders: Cheryl & Roman of The Mortgage Couple

Currently living a quiet yet lively life in the quaint town of Niagara-on-the-Lake in Ontario, Cheryl Blake and Roman Mamalyga make up the dynamic duo of The Mortgage Couple Team.

Their affable approach and professional experience make securing a mortgage a more attainable project for couples looking to live out their dreams like Cheryl and Roman do every day.

Team Now had the pleasure to learn more about their mission, their expertise, and the story that brought them to where they are today through our Start Now package.

Who are Cheryl and Roman?

Cheryl started off as a bank teller from Oakville, working her way up through the banking institution. Eventually, an opportunity presented itself in the private sector, leading her to enroll in school and work towards her Certified General Accountant (CGA designation). With the advent of The Mortgage Couple, she recently earned her mortgage license. Roman, originally from Toronto, was in the flooring business. In 2015, after referring multiple clients to a mortgage broker colleague, he encountered opportunities to further ingrain himself with more clients if he could fulfill both the financial and contracting side of projects. He then went through training to earn his mortgage license.

How did The Mortgage Couple begin?

Roman describes his former self as a high-strung Type-A. Five years ago, when they started “staycationing” regularly at Niagara-on-the-Lake, Cheryl noticed that Roman was relaxed and calmer than usual. They returned last Christmas, and while driving around the historic Old Town, they spotted a house they liked. They called up the listing, put in an offer, closed in January and moved in March. Since then they’ve been living their dream every day of the year and want others to live their dream too.

Why “The Mortgage Couple”?

Roman came up with the moniker. “The Mortgage Couple” evokes their partnership both in life and in business. Roman is the sales and marketing front-end guy. His sales style stems from his knowledge about any and everything – from baseball to religion. Cheryl is the back-end, following through on the office support, underwriting and assisting with all aspects of business. She is a people-person and prides herself on building long-lasting relationships, as well as giving back to the community. Their dynamic compatibility has earned them trust on a personal level; while their industry intelligence earns them professional trust. Together, they exhibit prowess as a well-rounded partnership, being a couple and co-founders. They’re the perfect team.

What is their mission?

Currently, individuals have to pay 3.5% interest on a 5-year mortgage. The government has set up The Stress Test B20, meaning individuals have to prove they can qualify at 5.5%, which has taken a lot of people out of the market. 1 out of 3 people are getting turned down by banks. The Mortgage Couple guides first-time homebuyers through purchasing. Their aim is to make the process easier, even with The Stress Test. More than that, The Mortgage Couple builds lasting relationships with each client. Whether you are looking to buy your first home, move up, refinance, renovate, or invest, they are by your side. Together they strive to give you the best possible service and experience.

Below is a preview of the new logo and colour Now created to capture their brand.

The highlights of starting their own business

Cheryl & Roman never let go of their vision. They’ve dreamt of living in a small town with a big city feel. For them, it’s been an exciting journey to see their dream come to fruition. They have made their vision for their work and their lives a reality, living and working from the historic town of Niagara-on-the-Lake.

Advice for starting your own business

There’s no better time than now. You can’t get bogged down with details. Your timing is never going to be perfect. Sometimes you just have to take the plunge, and learn from mistakes along the way. Communication is also an important element of Cheryl & Roman’s partnership. It’s imperative that you and your business partner(s) are on the same page and share the same vision.

Why Niagara-on-the-Lake?

Before Cheryl, Roman knew nothing of Niagara-on-the-Lake. They started visiting regularly; returning annually in the fall for Cheryl’s birthday, exploring a new Vintage hotel every time. They fell in love with Niagara-on-the-Lake’s small-town feel and close proximity to amenities. People at the one little grocery store go out of their way to help customers. Everyone knows each other. There’s always a parking space. There are lovely wineries. There’s Shaw Festival. There’s so much to do. People are always telling them how much they’d love to live in Niagara-on-the-Lake. The Mortgage Couple want to help you make these dreams possible. As Roman says, “You can have reasons, or you can have excuses.”


The Mortgage Couple Team takes care of you like they take care of family. Cheryl & Roman are a living testament that it is possible to live your dream every day. The Mortgage Couple are not in the mortgage business. They are in the business of finding you a lender even when the banks say no, with access to over 60 different lenders. And when they do, you’ll be one step closer to living out your own dreams.

To work with the Start Now team on your own business, visit StartupSuccess.ca.