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What Our Customers Say
To my biggest surprise, my first time buyer experience was very smooth. I was expecting many challenges, misunderstandings and complication but i was served with key details, great value and care about my biggest purchase! Best recommendation I have had in my adult life.
NAAD Legacy
NAAD Legacy
I have used services from Mortgages.ca twice now. James and his team had provided excellent service each time and helped get the best mortgage rate possible. They are very profession and responsive. I would recommend them to everyone who is looking for a new mortgage.Thank you James and Zayna for your all help throughout this process.
Devesh Gupta
Devesh Gupta
Scott Nazareth has been amazing Mortgage Broker in assisting the right mortgage deal for our home. He absolutely went above and beyond all our expectations to answer any questions we might have. I take great pleasure in recommending him to anyone who needs a broker.
Yvonne Gomez
Yvonne Gomez
James Harrison and his team can make anything happen! He is very professional and made me feel like his priority. I highly reccomend Mortgages.ca
Miguel Araujo
Miguel Araujo
This is the first review, I have ever submitted. I am a seasoned home owner who is so grateful to have found Vernon Bovell from mortgages.ca! Vernon worked tirelessly to secure a great mortgage for me when other brokers could not. As well as his perseverance, Vernon was continuously responsive to every correspondence that came his way. If you're hoping to work with someone who is extremely kind, professional and very knowledgeable please contact Vernon Bovell, you'll be very relieved to work with someone of his caliber.Zoe Pinsky
Zoe Pinsky
Zoe Pinsky
Mortgages.ca team helped me through my mortgage and loan goals. James and his team were knowledgeable, professional, and extremely responsive in communications. The rates that they were able to secure for me were by far the best on the market. I highly value James's knowledge and financial advises that gave me a peace of mind and a sense of security in my financial goals. I am grateful for James’s & Co guidance throughout the process, making it a breeze from the beginning to the end. I found my mortgage broker for life!
Anastasia M-G
Anastasia M-G
Sain Alabedy
Sain Alabedy
James is really good at what he does. We had a unique situation so our mortgage required expert review. After hitting brick walls with a few lenders, we contracted James at mortgages.ca. The folks at mortgages.ca were really there for us in terms of advising and allowing us to get the right mortgage that fit our situation. I'd certainly recommend.
Damola Adesoye
Damola Adesoye
Steve Harrison is an absolute pleasure to work with! He not only comes up with super creative options but also does it in the most calm and effective manner. Steve has helped us buy both the homes we own and we would recommend him in a heartbeat! Our recent home purchase involved some complicated financial constructs and Steve held our hand thru it like a pro and the outcome exceeded our expectations. Thanks so much for helping us find our dream home Steve!
chitra unnikrishnan
chitra unnikrishnan
Having moved numerous times through our life we admit that we have never had such a pleasant experience. Scott not only demonstrated professionalism through the process, his care and concern for our well-being has resulted in us actually considering him a good friend. It is without hesitation that we recommend him and know you will not be disappointed as you work together through your mortage process.
Michael Trudeau
Michael Trudeau
I had a great experience working with Mortgages.ca and James Harrison. As a self employed person there are many additional criteria involved and the CMHC was reluctant to insure. James persisted after receiving the denial of insurance. He raised an escalation and through his tenacity and dedication to the customer it was approved upon further review. This was above and beyond. He also was able to provide the best rate possible which even surprised me. He exceeded my expectations and was always looking out for his client. Great experience!
Dean Brunne
Dean Brunne
Steve and his staff worked very hard for the best rates during this difficult financial time. They listened to what we wanted to do and made it happen. Very effective and made it easy to work through.
Carl Sykes
Carl Sykes
Steve, James, Zayna and the entire team were amazing throughout. This was my first purchase and as expected there was a bit of anxiety. Steve walked me through the entire process and and answered all of my questions with patience and understanding. This is a very professional company that understands what is going through the minds of a home buyer and they make sure to give you clarity and information to put your mind at ease. Very highly recommended and I wish them all the best. Thank you again.
Raj M
Raj M
James and Stefania made every step of the process super easy!! As a first time home-buyer, I had very minimal knowledge on .. basically anything I had to do. They made my life so easy and they were extremely genuine and trustworthy. Everything was so quick and fast and James even responds when he is away (you don't need to do this James but its appreciated!!) You can see how dedicated he is.
Jelena Vuckovic
Jelena Vuckovic
It's a scary situation, looking for a mortgage. We were a bit overwhelmed. James and Zayna provided exactly the perfect combination of professionalism and caring that we needed. We so appreciate how they took the time to explain the details along the way. We trusted them and they surpassed our expectations for this process. We have bought several homes but this was, by far, our most stress-free experience of obtaining the right mortgage for us! We would happily recommend James and his team to anyone!
Robert Murray
Robert Murray
James and his team were really great throughout our first time home buying process. He walked us through everything step by step and was kind enough to really break things down for us and answer our many, many questions. Would highly recommend James and his team!
Roberta A
Roberta A
Excellent services by Steve and his staff.
Jeff Cui
Jeff Cui
As first time home buyers, James and Stefania were incredibly helpful, answering any and all questions we had, in language we understood. They also went above and beyond in terms of prompt responses and help during the erratic timelines of the offer and closing process. Aside from that, they got us a terrific product at a very competitive rate. They even updated our interest rate to a lower percentage before closing when one became available. A friend referred us to James and Mortgages.ca and we will be doing the same. Thanks James, Stefania and team!
Joel Macleod
Joel Macleod
James and his team provided excellent service throughout the process. They answered all questions in a timely manner, making sure that we were always informed and comfortable. That is on top of getting us the lowest rates we could find.
Mark Caskenette
Mark Caskenette
I am a first time homebuyer and didn’t know anything about the financing process. The team took really good care of me and helped me from beginning to end. Most importantly they were very responsive eliminating any concerns.Such a pleasure :)
Kate B
Kate B
James Harrison got me the Best Mortgage Rates TWICE Now! I’ll be working with James for the foreseeable future. Thanks James!
andrew warren
andrew warren
James Harrison and his team at Mortgage Architects (mortgages.ca) embodies the modern brokerage firm you need to help you with the biggest transaction of your life. Their speed, responsiveness, professionalism, accuracy and customer-centricity strengthen their unique value proposition against other competitors. From my first interaction with James, to the closing process with Zayna, I can confidently say that their team is the very best. Thank you for a great experience, you've earned a client for life!
Elaine De Marzo-Robins
Elaine De Marzo-Robins
James and his team jumped through hoops to help us nail down attractive financing in short order after we made a spontaneous decision to move up the close on a house. Highly recommend Mortgages.ca!
Jay LaRocque
Jay LaRocque
If you are looking for the fastest, most customer focused, and best value for a mortgage the team at Mortgages.ca are your best option. I was dealing with a big bank and things we're moving so slowly, I was wasting time on hold, and it was taking weeks to hear back. I tried out mortgages.ca and any question I had, I got a reply right away. The team went out of their way to explain all the different options of mortgages for me in a simple, straight forward approach. I was able to get the lowest rate possible and it was done in less than a week. Steve Harrison and Zayna Al-Abed will find you the cheapest, lowest rate, and best mortgage tailored to your personal needs. Don't even bother with a big bank, just deal with Steve and Zayna and you will not be disappointed.
Daniel Clancy
Daniel Clancy
I've worked with James and his team in a professional capacity in the past with great success. This was my first time working with the team on my personal mortgage and they did not disappoint! From the start, James was attentive, quick to respond and most importantly listened to what we needed. As always, I will refer James to my clients and use him for all my personal business. Thank you!
Marc Ronne
Marc Ronne
It was truly a pleasure working with James. He made the whole process of renewing and refinancing so quick, easy and painless. 10/10 recommend!
Krissy Ronne
Krissy Ronne
I've had a great experience with James and team when I was looking to refinance my home. Competitive rates and ongoing follow-ups by James ensure that I got a great rate!
Judy W
Judy W
Very pleasant and positive experience working with Steve & team.
Vijay Chill
Vijay Chill
I had a great experience with Scott as our mortgage broker! It was a stressful time to buy a new place during the pandemic and he really helped to put our minds at ease before closing. We really appreciate his knowledge and advise on the best type of mortgage to go with during this economy we're in. In the end, he got us a really great rate through his relationships with lenders. I would highly recommend Scott and his team!
Carol Tsang
Carol Tsang
I had a very positive experience with James and we did everything online. I was quite hesitant at first, preferring to meet people face to face. However, James was always available for my questions and didn't mind explaining things several times. His team is very good at communicating next steps. It all worked out exactly as he said. I have already recommended him to several friends and won't hesitate to use his services again in the future.
May Tettero
May Tettero
We were nervous about buying our first home but Scott made the process as stress-free as possible. He took his time answering all of our questions and talked us through our various options ensuring that we understood the pros and cons. We are very happy with the outcome and we would highly recommend him to any of our friends and family.
Kathryn Murphy
Kathryn Murphy
Finn Thinghuus
Finn Thinghuus
James and his team were outstanding to work with in all capacities (eg. Superior knowledge, efficiency, communication, etc.). Their high quality service made for a seamless transaction, and we feel supported long-term. We are extremely satisfied, and would highly recommend them to anyone in need of a mortgage!
alissa steinberg
alissa steinberg
My second time back with James and his team and nothing short of A+ service again. Finally someone that cares in the financial community and a wealth of knowledge of the industry. Highly recommend to anyone looking for a mortgage/refinance...
Paul Francis
Paul Francis
As a first time buyer, James and the team were very responsive and informative throughout the mortgage approval process. I was always easily able to connect with them if anything urgent arose, and they always took the time to answer all of my questions. Above all, they consistently fought for the lowest rates possible and landed me a great rate.Thank you again James!
Krzysztof Iwanicki
Krzysztof Iwanicki
Canada Web Solutions
Canada Web Solutions
My partner and I had an excellent experience with James and Zayna. They were very knowledgable, attentive and helpful to us as first-time homebuyers. We feel we got a great deal and lots of guidance along the way.
Emily Proctor
Emily Proctor
My wife and I called this company hoping to get a mortgage, upon reaching an extension 105 she told us that number we dialled is wrong and does not exist. She was not helpful at all even though we believe the individual was Sheri Rogers. I do not recommend this organization
Jun L
Jun L
I have known James for a long time and decided to use his service when my husband and I were shopping around for rates. We have used him 3 times now. We don’t go back because I’ve known him since elementary school. We go back because he has always found the best rates, his knowledge, his exceptional customer service and his team. We appreciate him as a professional and a friend. I highly recommend mortgages.ca!
Joy Varrasso
Joy Varrasso
My family and I are so grateful for James and Zayna from mortgages.ca. We came to James, pinched for time. Our stress levels were at a high and we were overwhelmed.James was welcoming and kind. He is extremely knowledge and a master of his craft. He reassured us that he could get the job done and we left his office with confidence and calm.Not only were we pre-approved in less than 48hrs we also received better rates than what the banks were offering.Zayna was patient and understanding, answering all our questions with precision. It was very obvious to us that she has so much passion for her work.Everyone at mortgages.ca has been so caring and genuine, we highly recommend this company! We will be referring all our family and friends.
Candice Singh
Candice Singh
We are very grateful to James & Vanessa for their professionalism and dedication! It was our first experience of buying property, accompanied with lack of any knowledge and lot of nerves. We are lucky to have Mortgages.ca supported us, as James & Vanessa filled our knowledge gaps and educated us from A to Z. Buying became smooth and stress-less. With Morgages.ca's help, we got one of the best rates on the market in a leading bank. We'd also like to emphasize amazing communication channel and super-fast responses from the team. We highly recommend Mortgages.ca and will definitely come back with our further needs! Thank you, James & Vanessa!
Artem Kachinsky
Artem Kachinsky
Exceptional communication and support! The team of professionals who can work with any type of clients, and very accommodating for first time buyers needs. They guided us throughout the process explaining every step and detail we were desperately missing knowledge about. Highly recommended!
Nadiia Kachynska
Nadiia Kachynska
James and his team are friendly, informative and responsive. This is the second time we have used James' services and it has been great. Both times we have gotten a fantastic rate, and this time when we broke our existing mortgage he was able to reduce it more then 5 times lower then the provider had offered.Thanks so much James to you and your team!
Scott Veber
Scott Veber
James helped us in finding the best deal for our mortgage. The closing was smooth and hassle free. His team helped us in collating all the required documents and presenting the file to the lender on time. He also assisted us with a lot of our queries promptly with patience and compassion. We really appreciate the service that we received through them and would strongly recommend Mortgages.ca to everyone, especially who wish to buy their first home in Canada.
Sachin Kumar
Sachin Kumar
James Harrison and his team made our mortgage financing easy. We were given an incredible rate and were very pleased with how smoothly everything went.James was knowledgeable.He provided us with a number of options and his expert opinion was very helpful in locking down a plan that would be best for our family.We recommend his services and will definitely be contacting him in future.
Erica Vella
Erica Vella
Exceptional to work worth. James and his team go above and beyond to get you the best rate in the market. They are always responding immediately, concisely, and with value-added information. Have worked with them twice now and would use them again, as well as recommend them to anyone and everyone who's looking for an honest, quality mortgage broker.
D ario
D ario
James is a great guy to deal with, very professional and my rates worked out better than expected. Cannot recommend him enough, he will check in with you as you go and make sure you have everything you need. As a first time home buyer, I could not imagine better service than what I received, thank you!
Gergely Juhasz
Gergely Juhasz
I was very pleased with the professionalism and results of working with Steve Harrison. He was available as I needed to work through all the details of a new mortgage and the options that were available to me. His advice gave me confidence as I went through the house purchasing process. I would recommend him for your mortgage needs.
Geoff Lynch
Geoff Lynch
We have chosen Scott as our broker for 3 mortgages now. The first was our first home. Scott was always available to answer and questions we had and was super knowledgeable. What struck us the most was his ability to relay mortgage information in an understandable way. We couldn’t have been happier. Needless to say we called him on our second home and just recently our third. I didn’t think he could have done anything more ..... I was wrong. I can not say this enough Scott is always there when you need him. He goes above and beyond. He negotiated us a much lower rate than our previous mortgage and was able to help out with our penalties for breaking a fixed term. There was a mix up at our lawyers on the day of our close and again he was there to help in anyway he could, we can’t thank him enough. Call Scott I guarantee you, you will not be disappointed. I will never go to the bank for our mortgage needs. The five star system is flawed I would give him 10 stars out of 5. Thanks Scott!!!
Dan P
Dan P
It was a pleasure working with Scott. I had a short time frame to work with and Scott worked very diligently to gather the required information and submit my application. He was also a very effective communicator and keep me informed and updated every step of the way. I highly recommend Scott.
Debbie Russell
Debbie Russell
James and his team is the best! Very professional and always there to provide guidance and support. First dealt with James when I was purchasing my first...
Mortgages.ca and the very personableJames Harrison have always offered a quick response to any query, in-depth knowledge of mortgage options and concerns, and excellent service to the clients we have successfully referred.
Looking forward to many more!
Tremendous group - great customer service, market knowledge, depth of experience & valuable relationships with all the lenders. Mortgages.ca have been assisting my clients for many years and making all of our lives easier in the process!
Answer to trivia question: 2.7%
Great customer service. I was able to get a competitive rate. I'd like to treat them some champagne for helping me with my 1st mortgage so well.
Outstanding service. Steve Harrison went above and beyond. He was always available and answered every phone call or text immediately. We had a few issues which Steve easily solved for us. Would highly recommend.
Excelente service. Steve did everything we needed to get what we needed. Very satisfied
After having a very negative experience with a banks mortgage devision. Steve was exactly what we were looking for. Steve was excellent at answering our questions quickly and clearly. His professionalism gave us the confidence to make an aggressive offer which ended up being successful in the purchase of our 1st home. Thank you Steve, would recommend to any one.
We are very happy with all the customer service, hard work and dedication from James and Laurie. I was able to ask all the important questions and get all the right answers as this was our 1st time buying our 1st home! The efficient and effective work really allowed me to feel at ease that I was getting the best service, rate and lender to make my dreams a reality! I recommend them for all future buyers. Their communication was perfect in instructing me to do have everything in place with closing! I will continue to recommend them!
This company is the greatest! Steve is SO knowledgable and patient in answering ALL my questions. I loved dealing with them and this is the second time I...
Once again James has exceeded our expectations with his exceptional customer service and the ability to offer knock out rates. This is our second time using him and have referred him to family and friends. Thanks again for all your help!!
As first time homebuyers, finding the perfect home in Toronto within budget was challenging and full of learning experiences. Steve took the surprises and uncertainty out of the biggest purchase (ahem...loan) of our lives. He was able to answer all of our questions and ensure we had the information we'd need to make a decision. Trust me, as someone in financial risk management, I had A LOT of questions. And of course, No one could come close to the rate he got us. Thanks for helping us own our dream house and a piece of this great city!
A great team of professionals!!!
I was referred to Steve from a colleague and I have been blown away! Just got back from seeing my lawyer who actually fist pumped me on the amazing rate we got. Aside from the low rate, as a first time home buyer, Steve spent so much time with me helping me along the way and educating me on an area I felt I didn't know a lot about. I'm a studier and he provided all the content and clarity I needed. He was only a phone call away and always stopped to take the time Trust is everything and I feel so lucky to have had Steve during this whole process. Thank you Steve!!
Nothing but professionals here, looking forward to our next deal
Incredible customer service from Steve. Always picks up and prompt for meetings. Found the best rates possible and always took the time to explain the pros and cons of each alternative. My go to guy for anything mortgages related!
Excellent team of experienced professionals that under promise and over deliver.
I’m so lucky I got in touch with Steve Harrison from Mortgages dot ca before signing anything with my bank or the broker my agent referred me to. Steve's ability and willingness to answer all of my questions as they came up day after day, was amazing. He was a great help throughout the process and even found me a significantly better rate than my bank or my realtor's broker. I want to encourage anyone who is in the market to contact Steve Harrison.
I went with Mortgages dot ca for my mortgage. My rate was 2.89 for 3 years, which was the best rate I could find. James was my mortgage broker and he was excellent -- always quick to respond to any questions and also worked through the weekend with me to make sure we had everything submitted on time for Monday. There was a delay on TD banks' end that caused my closing to be delayed but James contacted the VP of the bank to help get my application approved quicker. Once I secured my rate I was expecting to handed off to the bank for my application (not sure if this is standard) but instead James collected all the paper work from the bank and filled in some of it for me, circled the areas for signature etc. so it was an easy process for me. I will probably use James for my next mortgage if the rates are still competitive.

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