Breakwaters are structures constructed to act as a barrier to break a wave prior to it reaching the shoreline, resulting in calm waters and shoreline protection. Like a Breakwater structure, our team of reliable and experienced mortgage professionals are out front and readily available to work with you and provide flexible solutions.
We provide fair value, a fast response and a consistent approach to the entire mortgage administration process. What makes us unique is our ability to administer funds primarily through a single-source lender.
"Breakwater Financial is a strong ally in the equity lending space. They are a pleasure to work with, come up with common sense solutions that work for our clients, and are reliable and quick to get things done. I would strongly recommend adding Breakwater to your list of trusted lenders as they're my first choice for alternative equity lending."
Pekoe Mortgages
"I was the first member of our team to experience how truly amazing Breakwater Financial is to deal with. My deal was very complex, many other lenders had a hard time wrapping their heads around it. Reid was so approachable and easy to deal with. He was always communicating and updating me along the way. Our deal closed in record time and with zero issues. After the closing, Reid reached out to both myself and our client to thank us for our business. The fees, rates and terms are fair. Since my first deal with Breakwater Financial, Reid and I have talked thru many deals which have either turned into new deals or referrals. I look forward to working for many more years together with Reid and Breakwater Financial."
DLC Forest City Funding
"I have dealt with Reid and the team at Breakwater Financial on numerous occasions. They respond to my inquiries and requests immediately and are always a pleasure to work with. I would definitely recommend using Breakwater Financial for anyone looking for a private mortgage."
Private Money 4 Mortgages
"The Breakwater Financial team has immense market knowledge not only in the GTA but in other, up and coming communities. They do a thorough job at assessing overall risk and price accordingly. The team is always there to pick up my phone calls or answer any questions and will do whatever they can to make a deal work. I would highly recommend Breakwater Financial."
Donaldson Capital
"My experience in working with Reid Quan has been exceptional. Reid is not only a pleasure to work with, he is helpful, client focused and goes the extra mile to try to get the file done."
Mortgage District Inc.
"I have been dealing with Breakwater Financial for quite some time now. They are a great option for lower LTV deals and can be very flexible when it comes to the terms. Theycan fund deals quickly and usually get a yes or no answer within a day. My experience has been great!"
Mortgage Suite
Our focus is on Single-Family, Multi-Family, Mixed-Use and Industrial property transactions.
We also support real-estate investors and their portfolios.
WHO WE ARE
Our Team
Blair McKeil
CEO
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CEO
As CEO of Breakwater Financial, Blair McKeil is a respected leader, entrepreneur, and philanthropist. For over 30 years and while at the helm of his family-owned and operated business, Blair grew McKeil Marine Limited into one of Canada’s leading marine transportation and logistics companies.
To facilitate further growth, he partnered with TorQuest Partners, one of Canada’s largest private equity firms and joined the board of Directors as Vice Chairman. In 2018, Blair launched Breakwater Financial, a single-family office with a focus on creating and sharing wealth.
Kathy McKeil
CHIEF OF STAFF
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CHIEF OF STAFF
Kathy McKeil is the Chief of Staff for Breakwater Financial. With more than 30 years experience in event planning, marketing and corporate communications, Kathy has a proven track record of developing and executing successful campaigns and programs that drive business and enhance workplace culture. A natural people person, Kathy excels at connecting people and opportunities. A passionate philanthropist, Kathy is Chair of the McKeil Family Foundation, a long-standing board member of Swim Drink Fish Canada and co-founder of SEED HHN.
Kathy and her husband have been strong supporters of Mohawk College for many years, offering advice to future entrepreneurs, organizing informative guest lectures, hiring graduates, and even supporting Christmas toy drives. Mohawk’s McKeil School of Business is named in honour of a donation that McKeil Marine, made to the college’s Fennell Campus Renewal campaign in 2011, and in 2021, the McKeils presented the last of a series of special $5,000 scholarships that were given out to six deserving students each year, for five years.
April Cotton,CPA, CA
PRESIDENT
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PRESIDENT
April Cotton is the President at Breakwater Financial. With extensive experience in accounting and taxation, estate planning, succession planning and philanthropy, April’s approach to business is driven by curiosity and an entrepreneurial spirt. She draws on her experience working as a senior manager in taxation at Deloitte LLP where she delivered highly effective tax strategies for private companies.
April is actively involved and committed to her community and has served in key leadership roles on a variety of boards and advisory committees including the McKeil Family Foundation, Pathstone Mental Health and Alzheimer’s Society Niagara Foundation. April is a co-founder of SEED HHN.
Reid Quan,BBA
DIRECTOR, BUSINESS DEVELOPMENT & REAL ESTATE
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DIRECTOR, BUSINESS DEVELOPMENT & REAL ESTATE
Reid Quan is the Director, Business Development & Real Estate for Breakwater Financial. Prior to joining Breakwater, Reid spent three years spearheading Canada-wide transactions in commercial real estate lending with The Financing Hub. Early in his career Reid gained extensive knowledge and insights working in various capacities in the home building and land development industry. He was the VP, corporate development and operations with Kettlebeck Group, and a senior account manager with Curb Signs.
His experience spans across business development, sales & marketing, operations, and account management. Reid holds a BBA from Northwood University in Midland, MI. As a creative thinker and problem-solving specialist, Reid deploys his ingenuity to prospect facilitate private mortgage lending deals.
Maria Goddard,PCP
DIRECTOR, BUSINESS ADMINISTRATION
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DIRECTOR, BUSINESS ADMINISTRATION
As the Director of Business Administration at Breakwater Financial, Maria has over 20 years experience in both business administration and finance. Prior to joining Breakwater Investments, Maria was the accounts payable administrator at McKeil Marine Limited, a family-focused business and respected leader in marine transportation and logistics.
She excels at being detail oriented and is highly skilled at streamlining processes that yield efficiencies in organizational operations. Maria spearheads planning and executing culture-driven events that support Breakwater Investments commitment to creating and sharing wealth. She is core member of the board of SEED HHN.
Natasha Mackow
DIRECTOR, COMMUNICATIONS
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DIRECTOR, COMMUNICATIONS
Natasha Mackow, is the Director, Communications for Breakwater Financial. A strategic and insightful business leader and a creative problem solver with 15+ years leading marketing, events and communications for some of Canada’s most recognized brands. She is passionate about turning brand attributes into positive customer experiences and has a proven track record of developing and executing innovative campaigns that drive businesses forward.
Natasha is a co-founder of Treat Accessibly, a grass roots community movement aimed at increasing awareness around children and youth with disabilities. She is an active board member for SEED HHN and volunteers her time to various marketing and communications committees.
