Refinancing
How to Lower Your Mortgage Payment
Payments feeling tight? Options to lower your monthly mortgage payment, from renewal and refinancing to consolidating debt.
Read articleOntario Mortgage Specialists
Making money dreams come true.
Independent mortgage advice for Ontario home buyers, homeowners and investors. From Markham to across Ontario, we shop 50+ lenders to find you the best mortgage rate for your purchase, refinance, renewal or equity take-out.
- Access to 50+ lenders
- No cost to you, O.A.C.
- 120-day rate holds
How we help
A mortgage for every stage of life
Whether it's your first home or your fifth property, we find the rate, term and lender that fit your goals.
First-Time Buyers
Understand down payments, closing costs and government programs like the FHSA and Home Buyers' Plan.
Learn moreBuying a Home
Pre-approval, rate holds and a lender matched to your purchase — resale, pre-construction or new build.
Learn moreMortgage Renewal
Don't just sign your bank's renewal letter. Switch lenders and save thousands over your next term.
Learn moreRefinancing
Consolidate debt, renovate or access your home equity at a lower cost than credit cards or loans.
Learn moreSelf-Employed
Stated-income and alternative lending options for business owners, contractors and commissioned earners.
Learn moreInvestment Property
Rental, multi-unit and second-home financing, including using rental income to qualify.
Learn moreFree mortgage tools
Run the numbers before you shop
Accurate Canadian calculations — semi-annual compounding, CMHC insurance, the federal stress test and Ontario land transfer tax.
Mortgage Payment
Payments, interest and amortization schedule with prepayments.
Approval Calculator
See how much you can borrow based on your income and debts.
Land Transfer Tax
Ontario + Toronto tax with first-time buyer rebates.
True Cost of Buying
Down payment, CMHC, closing costs — your total cash needed.
The true cost of buying in Ontario
Your down payment is only part of the picture
Buyers are often surprised by closing costs. Budget 1.5%–4% of the purchase price on top of your down payment for land transfer tax, legal fees, title insurance, inspections and PST on mortgage default insurance.
| Purchase price | Minimum down payment |
|---|---|
| Up to $500,000 | 5% |
| $500,000 – $1,499,999 | 5% of first $500K + 10% of the rest |
| $1.5 million + | 20% |
Example only: $750K resale home outside Toronto, not a first-time buyer, 25-year amortization.
Simple process
From application to keys in four steps
- 1
Apply online
A secure 10-minute application. No credit impact until you're ready.
- 2
Get pre-approved
We compare lenders and lock your rate for up to 120 days.
- 3
Shop with confidence
Know your budget. We review offers and conditions with you.
- 4
Close & celebrate
We coordinate with your lawyer and lender right through closing day.
Why a mortgage broker?
We work for you — not the bank
More choice
Big banks, credit unions, monoline and private lenders — one application, dozens of options.
Better rates
Lenders compete for your business, so broker rates are often lower than posted bank rates.
Expert advice
Penalties, portability, prepayment privileges — we explain the fine print before you sign.
Learning Centre
Mortgage know-how, made simple
Mortgage Basics
How to Pay Off Your Mortgage Faster
Small changes, big savings. Simple strategies that can take years off your mortgage and save tens of thousands in interest.
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Mortgage Basics
Bank Mortgage Specialist or Mortgage Broker: Who Should You Use?
A bank specialist offers one bank's products. A broker compares many lenders. Here's how to decide which is right for you.
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