Which mortgage service do I need?

If you are buying, start with a pre-approval. If your term is ending, that is a renewal or a lender switch. If you want to access equity or lower a payment mid-term, that is a refinance. A ten-minute call sorts it quickly.

Do you charge for any of these services?

On prime, A-lender mortgages the lender pays the brokerage, so there is no fee to you. If a file ever requires a fee-based lender, the amount is disclosed in writing before you sign.

Can you help with more than one thing at once?

Yes. Many clients refinance one property while purchasing another, or renew a home mortgage while financing a rental. We structure the files together so one does not block the other.

Row of Ontario townhomes with landscaped front gardens

Mortgage Services

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

Mortgage services for every stage of ownership

Eleven ways we help Ontario homeowners and buyers: one application, several A lenders, and a clear comparison of rate, term and penalty before anything is signed.

Get my rate comparison 866-349-4915

Know your real budget before you shop

First-Time Home Buyer Mortgages

Down payment rules, pre-approval and closing costs explained in plain language before you make an offer.

Buying your first home in the next 1–12 months
Strong credit and verifiable income (A-lender files)
Saved 5%–20% down payment, or using FHSA/RRSP funds

First-Time Home Buyer Mortgages in Ontario

Rate held while you shop

Mortgage Pre-Approval

A rate-held pre-approval with A-lender documentation so your offer holds up with sellers and agents.

Actively shopping or about to start
Competing against other offers
Want your rate protected against increases

Mortgage Pre-Approval in Ontario

Approved on your real income

Self-Employed Mortgages

Business-for-self files structured properly, using the income lenders will actually recognise.

Incorporated owners, sole proprietors and contractors
Two or more years of business history
Strong credit with a lower line 150 than reality

Self-Employed Mortgages in Ontario

Buy sooner without Canadian credit history

New To Canada Mortgages

Newcomer programs for permanent residents and work-permit holders with limited Canadian credit.

Permanent residents landed within the last five years
Work-permit holders with a valid permit and Canadian employment
Limited or no Canadian credit history

New To Canada Mortgages in Ontario

Financing built around rental income

Investment Property Mortgages

Rental income qualification, down payment requirements and portfolio planning for Ontario investors.

Buying a first rental or adding to a portfolio
Duplex, triplex or legal second-suite properties
Have 20% or more down payment available

Investment Property Mortgages in Ontario

One payment, far less interest

Debt Consolidation Mortgages

Roll high-interest cards and loans into your mortgage and replace several payments with one.

Homeowners with at least 20% equity remaining after consolidation
Carrying card, line-of-credit or vehicle balances
Payments are manageable but nothing is going down

Debt Consolidation Mortgages in Ontario

Compare before you re-sign

Mortgage Renewals

We shop your renewal across A lenders instead of signing the letter your bank mailed you.

Renewal date within the next 6 months
Already received a renewal letter from your lender
Want to compare without disrupting your mortgage

Mortgage Renewals in Ontario

Put your equity to work

Mortgage Refinancing

Access equity, reset your term, or restructure the mortgage you already have around today's numbers.

Carrying higher-interest credit card or line-of-credit debt
Funding a renovation or a down payment on a second property
Wanting a lower monthly payment through a reset amortisation

Mortgage Refinancing in Ontario

Fund the work at mortgage rates

Renovation Financing

Purchase-plus-improvements and equity takeouts that fund the work without credit-card rates.

Buying a home that needs work before you move in
Owners funding a kitchen, basement, roof or addition
Adding a legal secondary suite

Renovation Financing in Ontario

A plan to qualify at prime

Credit Improvement

A written plan to move your score and your file into A-lender territory, with a target date.

Declined recently and told to come back later
Score in the 550–680 range with real income
Collections, a past consumer proposal, or high utilisation

Credit Improvement in Ontario

Financing for the cottage you want

Vacation & Second Home Mortgages

Cottage, cabin and second-home financing, including seasonal access and water-source conditions.

Buying a cottage, cabin or second home in Ontario
Keeping your primary residence
Occasional personal use, not a full-time rental

Vacation & Second Home Mortgages in Ontario

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.

FAQ

Questions about our services

Still unsure? Call 866-349-4915 and ask directly.

Which mortgage service do I need?: If you are buying, start with a pre-approval. If your term is ending, that is a renewal or a lender switch. If you want to access equity or lower a payment mid-term, that is a refinance. A ten-minute call sorts it quickly.
Do you charge for any of these services?: On prime, A-lender mortgages the lender pays the brokerage, so there is no fee to you. If a file ever requires a fee-based lender, the amount is disclosed in writing before you sign.
Can you help with more than one thing at once?: Yes. Many clients refinance one property while purchasing another, or renew a home mortgage while financing a rental. We structure the files together so one does not block the other.

Find out what you actually qualify for

Send the basics and we'll come back with real lender options, or call and get an answer on the first conversation.

Request a rate quote 866-349-4915