Toronto, ON
Ontario - License #11000073 · Nova Scotia - Licence #2023-3000786 · Mortgage Outlet Inc #12628
Mortgage agent in Toronto
Our office is on Scarsdale Road, so Toronto files are the ones we see most: condo purchases lenders scrutinise, freehold move-ups, and refinances on homes that have carried a decade of appreciation.
Where we work in Toronto
- North York and Don Mills
- Leslieville and Riverdale
- The Junction and Bloor West
- Scarborough and Agincourt
- Etobicoke and The Kingsway
- Downtown and the waterfront
What matters on Toronto mortgage files
Condo approvals are property-specific
Unit size, status certificate content, short-term rental rules and building litigation all affect lender appetite. A rate quote means little until the building itself is cleared — we check it before you are firm.
Two land transfer taxes
Toronto purchases pay both the provincial and the municipal land transfer tax. First-time buyers can claim rebates on both. We include the net figure in your closing-cost sheet so nothing appears late.
Second suites and laneway units
Legal secondary suites can add qualifying rental income; unpermitted ones can cost you the approval. We confirm what a lender will actually count before you rely on it.
Toronto price points mean most purchases above $1.5M are uninsurable and need 20% down, and many renewals sit on balances where a 0.2% difference is real money. Both are reasons to compare lenders rather than sign the letter that arrives.
Services available in Toronto
Other Ontario areas we serve
Ottawa
Purchases and renewals for public-service households, including pension and contract income files.
Mississauga
Move-up buyers and refinances across Port Credit, Erin Mills and Meadowvale.
Hamilton
Older housing stock, duplex conversions and first-time buyer files on the Mountain and in the lower city.
London
First-time buyers and student-rental financing in a lower-price market.
Credentials you can check
A-lender access
Banks, monolines and credit unions compared side by side.
Mortgage Agent Level 2
Licensed Mortgage Agent Level 2 serving Ontario borrowers.
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.
- Do you meet clients in person in Toronto?
- Yes. Our office is at 85 Scarsdale Rd #107, Toronto. Most clients prefer phone and secure document upload, but in-person appointments are available.
- How much down payment do I need for a Toronto condo?
- Five percent on the first $500,000 and 10% on the balance up to $1.5M, with default insurance required under 20% down. Above $1.5M, 20% down is the minimum.
Get a Toronto mortgage comparison
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