How much do you charge?

On standard residential mortgages our compensation is paid by the lender, so there is typically no fee to you. If a file requires an alternative or private lender, any fee is disclosed in writing before you commit.

Will shopping around hurt my credit?

No. We pull your credit once and present that single report to multiple lenders, so comparing options does not stack up inquiries.

How long does approval take?

Most straightforward residential approvals come back within 24 to 48 hours once we have your documents. Complex or alternative files take a few days longer.

Residential

Residential mortgages in Toronto for the place you actually live in.

Whether it's a first condo near the subway or a family home in the suburbs, we take your file to the lenders most likely to approve it on terms that make sense for your life - not just the lowest headline number.

Red brick Toronto homes with front porches on a tree-lined street

Services

Every stage of home ownership.

Pre-approval

Know your real budget before you shop, with a rate hold that protects you while you look.

Purchase financing

Detached, semi, townhouse, or condo - structured around your down payment and closing date.

Renewals & switches

Your bank's renewal letter is an opening offer. We shop the whole market before you sign.

Refinancing

Consolidate higher-interest debt, fund a renovation, or free up equity for a second property.

Self-employed & commission

Business-for-self income read properly, with lenders who underwrite beyond a T4 slip.

New to Canada

Newcomer programs for buyers with limited Canadian credit history but solid income.

Good to know

Common questions.

How much do you charge?: On standard residential mortgages our compensation is paid by the lender, so there is typically no fee to you. If a file requires an alternative or private lender, any fee is disclosed in writing before you commit.
Will shopping around hurt my credit?: No. We pull your credit once and present that single report to multiple lenders, so comparing options does not stack up inquiries.
How long does approval take?: Most straightforward residential approvals come back within 24 to 48 hours once we have your documents. Complex or alternative files take a few days longer.

Helpful next steps

Before and after your mortgage closes

Two things buyers and refinancers ask us about most: what the property is worth, and who is moving the furniture.