Mortgage Loans For Every Situation:

Found a new home? Congratulations! Now all you need is the right mortgage loan. We can help. First, request a free mortgage quote. Next, review a range 1 to 4 personalized mortgage options. Our lending partners have competitive mortgage options for primary residences, second properties, vacation homes, cottages, and even investment properties.

At times, finding the right home loan can feel a little overwhelming. Our lending partners simplify it by walking you through the entire process. They guide you through every step and take the time to explain any aspects of the transaction. You’re just a free quote request away from accessing wide variety of mortgage loans to fit your unique needs.


Fixed Rate Mortgage:

Provides a secure interest rate that stays the same for the entire length of your mortgage term.

What is it? A fixed-rate mortgage loan is a fully amortizing loan where your interest rate remains the same through the term, as opposed to variable rate purchase loans where your interest rate may “float” (based on economic conditions).

Who is it for? If you are more comfortable with the stability and security of paying a fixed amount every month, and plan to stay in your home long-term, a fixed rate mortgage may be right for you.

Variable Rate Mortgage:

A favourable choice for many clients. The past 30 years indicate that purchasing with a variable rate mortgage is a better loan option than a fixed rate by more than 80% of the time.

What is it? A variable-rate mortgage interest rate may periodically adjust based on prime lending rate. This adjustment can affect the cost of borrowing (increase or decrease) on your loan. Long-term, variable rates have proven to be the least expensive.

Up To 25 Year Amortization:

The main benefit is a smaller monthly mortgage payment than with a longer amortization.

Who is it for? Ideal if your goal is a lower monthly payment. A 25 year mortgage can be what you are looking for. Take longer to payoff your mortgage and bring down your monthly payment, we can help you decide if a 25 year amortization loan makes sense for you.

Conventional Home Loan:

If you have 25% or more as a down payment, a conventional mortgage (uninsured mortgage) may be a good option for you. Lenders look at this as instant equity and less risk for them. They pass on this lowered risk in the form of favourable rates and terms.

With over 25% down payment you can avoid paying an insurance premium. As an added benefit you will have access to a lower interest rate bringing down your overall cost of borrowing. Our lending partners offer highly competitive rates and terms when purchasing with a conventional mortgage. They can help you decide if this mortgage loan type is right for you.

Damaged Credit Mortgages:

Getting a mortgage in Ontario with bad credit can be a challenge. Many banks simply refuse to deal with people who have poor credit. We connect you to a network of high-ratio and non-conventional lenders that can help you get approved.

Even with damaged credit, there may still be mortgage loan solutions available to you. You get access to several traditional and non-traditional lenders. For over 5 years we’ve been helping clients with bruised credit get approved. Our partners specialize in finding mortgage products for people who may have been declined for mortgages in the past or who are struggling to service their existing debt. So smile, more often than not they can help. Request your quote today.

Interest Only Mortgages:

Normally for shorter periods, interest only purchase loans offer lower monthly payments.

What is it? An interest-only purchase loan is a loan set for a term, wherein the borrower pays only the interest on the principal balance, but with the principal balance unchanged. At the end of the term the borrower may continue the interest-only mortgage, pay the principal, or (with some lenders) convert the loan to a principal and interest payment (or amortized) loan at his/her option.

Who is it for? If your goal is a smaller payment with the option to renew into a principal and interest mortgage when the term is up, an interest only purchase loan may be right for you.

Business for Self / Self Employed:

Mortgage options for self-employed borrowers who can explain and prove capacity to repay without traditional GDS/TDS requirements.

What is it? A purchase loan designed for those who are self employed or a business owner. Instead of T4’s our lenders look at your credit history and 3 year’s financial statements, notice of assessments and/or tax returns… or combination of. Without having to fit into traditional GDS/TDS guidelines, self employed borrowers have a better option when purchasing a mortgage.

Who is it for? For business owners or self employed individuals who are able to present financial history by either 3 years notice of assessments, tax returns and/or financial statements. Request your free quote today, our lending partners can can help you decide if this is the option for you. If you are unable to prove income and are self employed, a No Income Verification Loan might be better for you.

New Construction (Completion) or Progress Draw Mortgage Loans:

Building a new home can be a bit overwhelming but your mortgage experience shouldn’t be.

Our lending partners have multiple mortgage options for newly built or to-be built homes.

What is it? A Completion Mortgage is designed for new construction. A completion mortgage requires one payment to the builder from the lender once the house has been built. The down payment comes from your own resources. A Progress Draw mortgage is disbursed typically in 3 intervals, somewhere at approximately 35%, 65% and then final at 100% completion of the home.

Who is it for? For anyone looking to build their dream home, be their own contractor or buy one just built with the builder’s own funds. Request your free quote today, and get the details needed to decide if this is the option for you.

Open and Closed Purchase Loans:

An open purchase loan is designed for those who are looking to payoff their mortgage sooner without penalties with a low rate, within lender`s guidelines. Opposite an open mortgage is a closed mortgage loan, which is designed for those who are happy to pay a set payment over the term of the loan and in turn receive an even lower rate then an open purchase loan.

Not sure which mortgage is right for you? We are here to help. Start your free quote online.

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Mortgages For Most Situations

Found the home of your dreams? No Problem, you just need the right loan. Get up to four mortgage lender quotes for an Ontario primary residence, vacation home, or investment property in as little as 24 hours.

  • Good Credit
  • Bruised Credit
  • Bank Refusal
  • Self Employed
  • Rental & Investment Properties
  • Complete Renovations
  • Divorce

Request your FREE, no obligation mortgage quote today.

Expert Advice

Why Use

No Hidden Fees or Commitment:

You won’t find any fees secretly buried in the paperwork. Our lending partners believe in full transparency and disclosure throughout the entire process.

We want you to feel completely confident about your choices. There is no commitment, obligation, or cost for a mortgage quote. connects you with the people who can provide details about rates, terms, related costs, and the best possible advice for your unique situation, but ultimately YOU decide if you are comfortable accepting an offer.

Access To Surprisingly Low Interest Rates:

Millions of dollars in in mortgage loans have been processed through our lending partners.

Why is this important?

Because it is this volume that helps ensure our lending partners offer you some of the most competitive refinance rates on the market!

An Array of Mortgage Lending Options:

When you request a free quote, our partners screen rates and promotions of dozens of different mortgages sources such as including chartered banks, trust companies, credit unions, non traditional lenders, or private lenders, to find you the lowest interest rate for your situation.

With dozens of lending products available, we’re confident you’ll find a mortgage product you will be pleased with.

Efficient Close:

Our partners are not just a 9 to 5 people.

They work tirelessly to make sure you get the best possible quote and your loan closed in as short a time as possible!

Even if it means working through the night to get your time sensitive deal closed.


With thousands of clients and over hundreds of million of dollars financed, our partners have the experience to get you approved at the lowest rate for your situation.

You can feel confident knowing they will handle every detail of your loan efficiently from start to close.

Ongoing Communication:

Our partners understand communication is key. They keep you informed and feeling comfortable about the details every step of the way!


Finding the right mortgage loan can be stressful. From the time you request your free mortgage quote, to the day you close on your loan, our partners make the entire process as convenient, easy, and as low stress as possible.


Bottom line, they know you’re busy, so they cut the red tape out as much as possible.

Ontario Wide Service:

We connect mortgage solutions to people across Ontario. For clients at a distance, we’ve streamlined the entire mortgage application process. Through phone, fax, and email, all paperwork is efficiently and securely handled in minimal time.

Trusted Experts in What They Do:

For years our partners have been helping people like you find the perfect mortgage loans. They are members of many organizations that set the “gold standard” in ethics and knowledge of its associates for the mortgage industry. They are also members of good standing with the Better Business Bureau.