How fast will I hear back?

Same business day for calls, emails and form submissions. If you are in an active offer situation, say so in your message and it is prioritised.

Do I need documents ready before I call?

No. The first conversation is about your goal and your numbers. Documents come after, through secure upload.

No. Nothing touches your credit until you ask us to submit an application and give permission.

Contact

Ontario - License #11000073 · Nova Scotia - Licence #2023-3000786 · Mortgage Outlet Inc #12628

Call for an answer in one conversation, or send the basics and we'll come back with real lender options the same business day.

Direct Contact

Phone
343-503-0437
Fastest option. You speak with an agent, not a call queue.
Email
phil@rateconnect.ca
Please don't email documents — we'll send a secure upload link.
Office
85 Scarsdale Rd #107
Toronto, ON M3B 2R2
In-person meetings by appointment. Clients across Ontario are served remotely.
Hours
Monday – Friday
9:00 am – 7:00 pm
Saturday
10:00 am – 4:00 pm
Sunday
By appointment
Hours to be confirmed by the owner.

A-lender access

Banks, monolines and credit unions compared side by side.

Mortgage Agent Level 2

FSRA-regulated Mortgage Agent Level 2 — Ontario License #11000073.

Same-day callbacks

You speak with an agent, not a call queue.

CMP Top 75 Agent 2025

Recognized among Canada’s top mortgage professionals in 2025.

15+ years experience

Helping Ontario borrowers find the right mortgage for over 15 years.

FAQ

Still unsure? Call 343-503-0437 and ask directly.

How fast will I hear back?: Same business day for calls, emails and form submissions. If you are in an active offer situation, say so in your message and it is prioritised.
Do I need documents ready before I call?: No. The first conversation is about your goal and your numbers. Documents come after, through secure upload.
Will calling trigger a credit check?: No. Nothing touches your credit until you ask us to submit an application and give permission.