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Alan B
Alan B
00:41 15 Sep 21

This was my second time working with James. Each time has been fast and seamless. Quick responses to all my questions. Very professional Clear explanations of everything going during the buy / sale. I would recommend James to everyone!read more

Michael Mooney
Michael Mooney
23:46 14 Sep 21

Steve & Zayna were incredibly helpful and supportive through the whole process. Highly recommend!read more

Majid Rismankar
Majid Rismankar
14:17 14 Sep 21

We worked with Steve for the mortgage of our dream house. He and his team were so supportive and responsive and patiently addressed any concern that we had. The process was very smooth and he handled everything on time and as promised. I definitely recommend him for anyone looking for a smart, honest, professional and responsible mortgage broker.read more

Francine Darroch
Francine Darroch
14:29 10 Sep 21

James Harrison and his team were wonderful to work with. They made the process of selling and buying our homes smooth. They are extremely response, efficient, professional, and a pleasure to work with. We will 100% work with them in the future and wouldn’t hesitate to recommend them.read more

Paul Moscuzza (WooFerPPK)
Paul Moscuzza (WooFerPPK)
12:48 06 Sep 21

Being our first time buying a place and getting a mortgage we were fairly scared and uninformed about everything related to that. James and his team were both very professional, friendly and helpful. Any questions and uncertainty we had we were comforted knowing that James would answer with a detailed response explaining whatever our questions were.James also worked hard to make sure he could secure us a great rate. He communicated all of the available options and helped us go through that process. If your looking for a mortgage specialist I highly recommend James and his team!read more

Christine Crawford
Christine Crawford
18:11 05 Sep 21

Steve Harrison and his team are always a pleasure to work with. We have worked with them many times! Professional, hard working (literally around the clock), treats his clients like family, and fun to work with!Highly recommended 🙂read more

Ryan Gilroy
Ryan Gilroy
16:59 03 Sep 21

James and his team were absolutely phenomenal to deal with throughout the entire process. Our situation was by no means straightforward and the amount of knowledge, patience, and professionalism they displayed really made me feel good from start to close. I can’t recommend them enough.read more

Jeff Campbell
Jeff Campbell
13:32 02 Sep 21

This is was our first going through a renewal process and a lot was on our plate and the way the economy/society was due to the pandemic, there was a lot of options to review. James and his team took the time to understand our family plans in the present and future and presented all options and guided us what he felt was best suited for our family and assured we were comfortable with the decision. The process was super easy and we highly recommend himread more

Sachin Hingoo
Sachin Hingoo
13:21 02 Sep 21

James and his team were always there to guide us through the (often complicated) mortgage process between the purchase of our new home and the sale of our previous one, every step of the way. They went above and beyond to secure us a great rate and were very helpful and communicative throughout the process. I would highly recommend their services to anyone that needs a mortgage specialist.read more

Kevin Colacci
Kevin Colacci
00:05 01 Sep 21

Steve and his team made the very overwhelming experience of buying our first house feel a lot more manageable. He listened to all of our concerns and found the best lender to meet our needs and limitations. Throughout the whole process there was no such thing as a stupid question, Steve took unfamiliar concepts and helped us make sense of them. He was available to help out whenever we needed him, which was very important in the fast-paced house hunt. Steve had our best interests in mind the whole time and found the best mortgage arrangement for us. When we have to renew our mortgage we will definitely be coming back and I would definitely recommend Steve to anyone else looking for a mortgage.read more

Steve Truong
Steve Truong
16:09 25 Aug 21

James and his team at Mortgages.ca are the real deal in many ways:- very professional through the process- knowledgeable of the process/market and able to guide you through your own circumstances, no matter how unique- extremely responsive- perhaps most importantly, they’re able to get great rates that are hard to find on your ownWould certainly recommend them to anyone looking for a mortgage.read more

David Chu
David Chu
18:25 23 Aug 21

Scott and James got us approved after we got poor service at our bank. They are experienced with self employed professionals and kept all their promises knowing we had a short closing. Thanks guys.read more

John Devaney
John Devaney
13:08 23 Aug 21

Hi James Harrison and Mayra Watrich are # 1 in my eyes . I had a bad experience with a very bad broker she lied from day one 3 weeks before closing she said i needed $30.000 more to close. I did not have. So because of her dishonesty. I would of lost my $15.000 deposit. A realtor Mike Mccarthy told me about James. Told him my story and he was very honest and professional up front. James did get me my loan before closing and a great mortgage. Thanks again James and Mayra.read more

Dan Maragno
Dan Maragno
20:35 17 Aug 21

James and his team were unbelievable and took any uncertainties right out of my hands. Very informative, exceptionally responsive and punctual. Hands down using them for my future transactions, it was a seamless experience….Thank you!!read more

Sharif Ad
Sharif Ad
21:15 13 Aug 21

Housing market is soaring like crazy and I thought I would not able to buy a house in Toronto. I reached out to Mortgage Architect after unsuccessfully dealing with various brokers. Scott Nazareth made me confident that he will buy me a house. He was incredible from beginning to end, very professional, responsive and managed to help me close on the property. He ensured that I felt at ease throughout the entire process, answered any of my questions via email and text message and always kept me updated with the progress of the approval. He also helped me to negotiate the interest rate! I am extremely glad and grateful that I reached out to Scott. I will not hesitate to recommend him to anyone.read more

Sura Jerky
Sura Jerky

22:23 04 Aug 21

i just want to share this testimony with you friends, because am so happy now , finally i just got my loan from Flora LOAN HELPER… if you are in any need of any kind of loan you can contact them now on email: (floralenders001@gmail.com) or whatsapp +17816707813read more

Jason Murray
Jason Murray
20:15 28 Jul 21

Amazing people who work their hardest to get you the best rate possible. Great communication and always prompt when responding! Overall great experience!read more

Joshua Acheson
Joshua Acheson
14:38 28 Jul 21

My partner and I worked with James and Mayra on our mortgage and they were fantastic. Both James and Mayra are great communicators and were very responsive throughout the process. They have good instincts for when to use email and when it’s best to hop on a call to sort out ambiguity.I would absolutely want to go through a future mortgage process with them and recommend them to any friends or family.read more

Mary Plasko
Mary Plasko
13:31 24 Jul 21

Scott is the one to speak to. In my unique situation, I was concerned about a few things and Scott was able to make things happen. 5 stars to your commitment, knowledge, thoroughness and professional approach while having an understanding of the human side of things at the same time. Scott alleviated much of the stress and helped this experience be that much more pleasant. I highly recommend mortgages.ca. You will be well taken care of. Thank you Scott.read more

Dariusz
Dariusz
14:26 16 Jul 21

Working with James and his team was a amazing! James was extremely responsive to my many questions and made the whole process very easy and stress free. I didn’t know getting a mortgage could be this smooth. Do yourself a favor and call James Harrison and his team to set you up with a mortgage. After working with banks and other brokers in the past they don’t even compare to the quality of service you will receive at Mortgages.ca.read more

Andrew McGirr
Andrew McGirr
15:24 14 Jul 21

My Wife and I worked with another mortgage broker to buy our home. Steve helped us refinance recently and we cannot believe the difference.Steve helps you through the whole process and understands exactly what the client wants/needsVery professional and timely and felt to be important. If I did not know any better I would say I was his only client at the time because he gives you so much attentionDo not waste time with anyone else, this will be the best choice you ever makeI will continue to use Steve for anything mortgage relatedread more

Holly Stallan
Holly Stallan
23:45 08 Jul 21

The best in the business. Steve is professional, incredibly thoughtful and responsive in all matters, and has gone above and beyond to help me with several mortgages over the past number of years. I highly recommend him to everyone looking for a sincere customer advocate!read more

Daniel Alonzo
Daniel Alonzo
17:30 08 Jul 21

My wife and I worked with James and his team when we bought our first home in 2017. Fast forward to today (i.e. 2021), James has once again made the transition of re-financing our mortgage as easy and comfortable as the first time we’ve worked with him. From this, we would like to highlight the consistent professional service he brings to his clients. We have full confidence that he will always represent the best interest of his clients regardless of how the real estate market is going.read more

Pedro Silva
Pedro Silva
04:02 07 Jul 21

We can’t thank James and Myra enough for their help in getting us our mortgage!We had been dealing with another mortgage broker a few weeks before our home search. All required paperwork done, all numbers crunched, you’re “good to go” we were told.We finally found the place we were looking for made an offer that was accepted then waited for the “formality” of having the mortgage approved. Well by day 4 of excuses we became extremely worried. Our place had sold, closing was now just 3 weeks away and we still had not been approved, despite being assured our file was “good to go”.We reached out to James and Myra and again submitted all the required paperwork, within a few days our mortgage (with a bridge loan in the mix) was approved!We wish we had started out with them from the beginning, the stress we would have been spared.THANK YOU, THANK YOU, THANK YOU!!!read more

Nathan Kruger
Nathan Kruger
15:01 03 Jul 21

Steve did an excellent job walking us through the mortgage application and closing process. He gave us good advice, was always available to answer questions and clearly enjoys what he does. He was a pleasure to work with and we would happily recommend him to anyone looking to buy their first home.read more

Rahul Ajani
Rahul Ajani
13:27 30 Jun 21

It was a pleasure to have James and Myra help us with our mortgage. They are well-organized, they prepared our file neatly and there was no last-minute rush for any missing papers. They are responsive: whenever I wrote to them I heard back from them in a matter of a few hours. They explained the whole process to us very well. There were no hidden fees/charges. Whenever we needed anything from them they acted really fast. For example, our builder’s law firm had made a mistake in the property address, so we needed revised approval letter, which they secured the very next day. Transparent professional and responsive. I would definitely recommend them to my friends.read more

Kathleen Bellehumeur
Kathleen Bellehumeur
21:11 18 Jun 21

Had a wonderful experience working with Mortgages.ca. James and team were so incredibly helpful, professional and detail oriented. They completely set my mind at ease and got us to a great outcome! Couldn’t recommend more highly!read more

Jonathan Grottoli
Jonathan Grottoli
21:45 14 Jun 21

Steve was very insightful. He really took the time to understand our needs and helped us think outside the box. With his guidance he saved us a lot of money and set us up for future success.read more

Neil Upshall
Neil Upshall
17:41 14 Jun 21

Had a great experience with James and Mayra at Mortgages.ca. And despite being a challenging customer, they were patient and accommodating with me throughout the entire process. Would highly recommend.read more

Natalie Kasparian
Natalie Kasparian
16:48 11 Jun 21

BEST MORTGAGE BROKERS.Look no further, they are always so fast at responding to any concerns you have regarding the mortgage process and then the mortgage itself. They made the whole process so seamless and easy.During my application, I wanted to make a change to my mortgage very close to the closing date and they were very understanding and made it happen in the nick of time !! I am very grateful and I highly recommend James and Mayra for all your mortgage needs !read more

Lisa Marriott
Lisa Marriott
16:21 11 Jun 21

James Harrison from mortgages.ca is our go-to mortgage broker. When we first purchased our home 9 years ago, we hadn’t met James yet. We used another broker from a big name company and it was disastrous. We were first time home buyers and I felt so alone in the process. My emails were often ignored and I did not have the guidance one really needs as a first time buyer.My husband is a successful realtor in Toronto and James Harrison came highly recommended. My husband recommends James to all of his clients as we have trusted him with our personal mortgage financing for the last two renewals. I’ve also recommended James to personal friends and they are all so thankful.James is very professional and very knowledgeable. He always responds very promptly. He makes everything seamless and stress free. He always goes above and beyond. If you’re looking for mortgage broker, look no further!read more

Anna Shpilevskaya
Anna Shpilevskaya
14:25 11 Jun 21

Had a wonderful experience getting our mortgage with James Harrison. This is the second time we had James help us and both times we have been extremely happy. He promptly answered all our questions and took the time to explain different options available to us. Highly recommend working with him and his team!read more

Ryan Wykes
Ryan Wykes
13:38 11 Jun 21

Only person I trust with my mortgage business. AAA+ service and guidance on the right moves for me and all my clients. The entire team makes the process seamless and easy.read more

Trudy T
Trudy T
17:13 01 Jun 21

I can not say enough about Steve and his assistance during my journey in purchasing a place. He has been nothing but helpful and full of insights… plus he has a friendly but non-pushy demeanor that made all our correspondences very comfortable. I felt like I could ask him anything and he was always happy to answer my questions in depth and easy to understand. Highly highly recommend Steve!!read more

Lauren Pelley
Lauren Pelley
03:00 01 Jun 21

We’ve had a great experience working with James and the Mortgages.ca team for more than a year now, including securing a mortgage for our first home. On top of that, the team alerted us to other great opportunities, such as a program to complete our home renovations and later helped us lower our interest rate. We highly recommend the broker route for anyone buying a home!UPDATE: We worked with James’ team again to refinance. Helpful and smooth process where he provided multiple options and got us the best rate, allowing us to make the most of our home’s value without moving. When we do sell, we’ll be returning for services from Mortgages.ca!read more

Tara Wood
Tara Wood
17:01 30 May 21

James and his team are helpful, thorough, responsive and just plain lovely to work with. While confirming a mortgage in this crazy market, they moved quickly to align with offer dates and provide sound advice along the way. highly recommend!read more

Patrick Stein
Patrick Stein
15:29 27 May 21

James and Zayna were great to work with. I was a first time buyer and needed a more complex mortgage setup than usual — they went out of their way to make the process smooth and answer any questions, and were always super quick with their responses (which, in this crazy world of Toronto real estate, was very helpful). Can’t recommend them enough!read more

Adam Mascherin
Adam Mascherin
14:33 27 May 21

We have used Steve and his team a second time for the mortgage on our new home and once again they hit it out of the park!It has been an absolute pleasure dealing with someone who always returns calls/emails in a timely manner and is a true professional.Steve’s knowledge of mortgages and finances in general is second to none. We always felt confident knowing that we would receive accurate and beneficial advice.There are many stresses related to moving and I’m happy to say that our mortgage wasn’t one of them.I have and will continue to recommend Steve and his team to anyone in need of a mortgage. Thank you for all the hard work and impeccable service!!!read more

Andrew Moody
Andrew Moody
13:41 27 May 21

We couldn’t be happier with Mortgages.ca and James and Mayra. Extremely professional and knowledgeable, they made the whole process super easy from start to finish and got us a fantastic rate. Highly recommended!!read more

rahman atta
rahman atta
15:13 26 May 21

Scott Nazareth was awesome from the start to my wife and I when we were looking to buy our first house. He was always super responsive to our questions whether a call or email and made the whole process a complete breeze. We secured an unreal rate also!!! Highly recommendedread more

Daniel Ling
Daniel Ling
14:51 26 May 21

James and his assistant Mayra did a great job on our mortgage! They were very honest about what I could afford and responded at all times of the day and night to questions I had. To top it all off he got me a great rate and even sent a gift basket to congratulate me on my new home.Would definitely recommend!read more

Shobha Shetty
Shobha Shetty
14:45 25 May 21

I will highly recommend James Harrison and his team Scott Nazareth @ mortgage.ca.Scott handled all our paper work . He was very professional and patient and answered all are queries and explained everything detailed . With all the follow work and his patience We felt very comfortable working with him. He closed our deal so smoothly and we are very happy that we choose the right brokerage company. Wishing him and his team all the good luck for future.read more

Eric Kennedy
Eric Kennedy
23:47 17 May 21

The professionalism and quality relationships we had during our experience was made so much better by the involvement of our broker and his dedication to our needs and goals. We were shown compassion and understanding that made the stresses of buying a house a little less stressful. Our dreams were met and we couldn’t be happier with our experience with Mortgages.ca and Our guy Vern Bovell. We are only here because of you.ThanksEric and Lisaread more

Sean Nolan
Sean Nolan
21:59 16 May 21

James and team were excellent with my first mortgage and subsequent refinancing. Very responsive and clear answers to what may be basic questions from first time buyers, highly recommend and will use James again in the future.read more

Alex Dettman
Alex Dettman
16:25 04 May 21

I’ve dealt with Steve for my initial mortgage (4 years ago) and again when I went to re-finance recently and Steve & his team were always willing to explore a variety of options and to accommodate our timelines, preferences and schedules and particular made navigating the complexities of a re-financing during the virtual environment as seamless as possible. I would definitely recommend Steve & team, and will likely go to him again in the future.read more

Sally B
Sally B
15:15 30 Apr 21

Great experience- professional and super pleasant to deal with! Highly recommend.read more

Sean Marks
Sean Marks
12:48 30 Apr 21

Both James and Zayna were incredibly helpful with this process, walking us through everything and spending the time to make sure our decision was the right one. As first time home buyers it made this big step so much more enjoyable knowing we were in good hands. Would highly recommend their services.read more

Anne-Marie Stuart
Anne-Marie Stuart
14:48 28 Apr 21

Working with James and his team was a dream! James was extremely responsive to our (many!) questions and gave us great advice. Most importantly, he found us a great mortgage that made it possible for us to buy our dream home. We would highly recommend working with James if you get the chance.read more

Himanshu Jog
Himanshu Jog
01:48 19 Apr 21

Worked w/James & team recently and had a great experience. Being new to this market, I was full of basic (& sometimes silly) questions and James/team were full of patience. They were very prompt in responding to my emails and phone calls. I’ve had a great experience and recommend their service to anyone in need. Thanks again, James!read more

Brian LeNguyen
Brian LeNguyen
17:27 15 Apr 21

Steve was excellent to deal with and always made himself available to discuss any questions or concerns. The whole mortgage process felt very seamless and pain free.2021 Update: Steve was once again an incredibly helpful resource and trusted advisor when guiding us through the steps required for the mortgage application process.read more

Ann MacNaughton
Ann MacNaughton

15:43 16 Feb 18

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!
read more

Mustard Littl
Mustard Littl

16:26 14 Feb 18

Answer to trivia question: 2.7%

Amanda Rose
Amanda Rose

23:54 04 Sep 17

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.read more

Brad Scott
Brad Scott

03:08 15 Aug 17

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.read more

Melissa Trombetta
Melissa Trombetta

02:19 17 Feb 17

Excelente service. Steve did everything we needed to get what we needed. Very satisfiedread more

Andrew Smith
Andrew Smith

01:28 06 Jun 16

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.read more

Barry Naymark
Barry Naymark

16:45 17 May 16

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!read more

Joy Varrasso
Joy Varrasso

18:41 11 Jun 15

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!!read more

Diana Wright
Diana Wright

13:03 04 Dec 14

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!read more

Sarah Makhomet
Sarah Makhomet

17:45 26 Nov 14

A great team of professionals!!!

Alyse Orsborn
Alyse Orsborn

20:48 28 May 14

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!!read more

Paul Francis
Paul Francis

16:31 29 Mar 14

Nothing but professionals here, looking forward to our next dealread more

Nicolas Wen Shea
Nicolas Wen Shea

13:44 25 Mar 14

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!read more

Lee Dipps
Lee Dipps

22:18 17 Mar 14

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.read more

Next Reviews

Uncategorized

Alternative Lending: Intro to B-Lending

 

Has your bank turned you down for mortgage financing?

 

You are not alone, for as long as the mortgage industry has been around, rules and regulations have put a cap on affordability and increased scrutiny and due diligence to reduce risk for lenders. In the most recent years, the stress test has reduced purchasing power across the board for all borrowers by creating a buffer between the contract rate of the 5 year fixed product and the MQR or mortgage qualifying rate which is meant to model affordability based on a future rise in rates. The MQR is now determined dynamically every week based on an average of the 5 year fixed posted rates across the top 5 banks in Canada (TD, BMO, RBC, Scotiabank and CIBC).

The spread between the contract rate and the MQR is currently sitting at more than 3% for high ratio purchases. This means that if you were to lock in to a 5 year fixed today on a 500k mortgage, you would need to qualify to carry a payment of $2849/month (MQR) vs $2020/month (1.59%).

 

Ratios

 

Debt servicing ratios are used to determine how much of your outgoing monthly liabilities and total debt correlate to your total monthly income. For banks, credit unions and AAA lenders the ratios are 39/44 (GDS/TDS). The ratios are determined by your ability to carry your monthly mortgage payments (based on MQR), your other liabilities like car loans, credit card debt, relative to your income. For unsecured/revolving loans, like a credit card or line of credit lenders will factor in a carrying cost of 3% of the outstanding balance for servicing ratios. For example, if you owe $15,000 on a line of credit, your monthly carrying cost would be factored in at  $450/month. 

 

So where did this 39/44 (GDS/TDS) ratio come from? The mortgage default insurers, CMHC, Sagen (previously Genworth) and Canada Guaranty. When purchasing with less than 20% down your mortgage in the majority of cases must have mortgage insurance. When purchasing with more than 20% down, if the mortgage is amortized at 25 years or less, which is the limit for default mortgage insurance – the lender may opt to purchase this for you, at their cost. 

 

At Alternative Lending institutions, lenders will typically allow higher debt servicing ratios giving you more affordability to purchase or refinance. Ratios typically are 45/50 (GDS/TDS) but can be as high as 55/70 (GDS/TDS) depending on factors like net worth, loan to value ratios, and uncaptured income. The more skin in the game or equity you have, the better negotiating ability you have with an alternative lender. Based on these ratios alone your affordability can increase as much as 20%.

 

Amortization

 

Amortization is the total length of time calculated to payback the loan, it’s the time frame your mortgage payment is based on. At banks, credit unions, monolines and other AAA lenders the maximum amortization period is now capped at 30 years for mortgages with a minimum of a 20% down-payment and a cap of 25 years for a downpayment of less than 20% requiring default mortgage insurance. Did you know that in the past even high-ratio mortgages with less than 20% down used to be amortized up to 40 years? The longer the amortization period, the more purchasing power an individual has due to the lower carrying cost of the debt. 

 

Alternative Lenders can offer amortizations up to 35 years and in some cases 40 years to reduce your mortgage payments and in turn increase your affordability.

 

Employment Income Guidelines

 

Permanent full time employees with a base salary or guaranteed hours can utilize all of their income in most cases to qualify as long as they have at least 3 months of continuous employment and not be on probation. However, as we know, the job market and nature of work has changed to include many different types of income. Employees on contract, seasonal workers, self employed persons with less than 2 years of employment, self employed persons who take advantage of tax strategies to reduce taxable income, low-income high net worth individuals and more, face scrutiny and sometimes an outright decline based on the fact they do not fit the parameters of a big bank, credit union or other AAA lender. The risk parameters baked into the underwriting guidelines at these lenders create an opportunity for other products/solutions to address this market need. 

 

Many self employed individuals previously were allowed to take advantage of Stated Income Programs designed to help cash businesses/self employed entities whose taxable income did not reflect the true return from their business activities. Alternative lenders have embraced the stated income program to allow a self employed individual to use as much of their GROSS income before deductions/taxes as is reasonable to qualify. Alongside the higher debt servicing ratios and longer amortization periods this is an optimal solution for self employed individuals.

 

Aside from employment income, there are other types of income that are accepted such as the Child Tax Benefit,Disability Benefits, Spousal Support to name a few at both AAA and B lenders. As we have noted however, there are stricter guidelines for use of this income, such as the percentage of total income allowed for Spousal Support (capped at 30%)  or the minimum age required for the children to use the CCB (capped at 12 years). B-Lenders offer more flexibility here as well.

Mortgage Hack: B Lenders allow for contributory income from non-title owner occupants of a property, such as a sibling, spouse, grandparent etc. If you are in a situation where you are buying a house occupied by a family, and lets say your sister contributes $300/400 a month from her part time job to the expenses, AAA lenders will require her to be on the application to use the income, some B lenders will allow up to $500/month to be added for persons that are not on the application.

 

Rates

 

Rates, Rates, Rates – it’s all we hear about on the news and in regular discourse. Rates are low! Rates are going down, rates are going up etc. At the time of writing, the 5 year fixed rate average is about 1.89% across both high ratio/conventional files spanning multiple products and lenders. Now, being in the mortgage industry for over 7 years, many of my clients are surprised to learn that interest rates are not customized based on a client’s credit profile. If you have Tom with a 700+ beacon score getting a mortgage and Sally with a 880 beacon score getting a mortgage, they will likely be offered the same rates. Rates are sometimes determined by minimum thresholds related to credit scores, for example (620- 680) will have a rate at 1.89% whereas 680+ will be 1.79%. However within the ranges, there is no further tailoring regarding rates. 

 

The ranges in a rate matrix exist for B Lenders, where the higher your credit score, especially if its above 700+  will provide you the best rate, and the lower you go, the rates become more case-by-case, based on the risk to the lender. Beacon scores less than 525 at most lenders are entirely priced on a case-by-case basis. For applicants on the higher end of the rate spectrum we are seeing rates as low as 2.74% for 1-2 year terms. Pretty good right? Let’s talk fees…

 

Fees

 

When arranging a mortgage at a bank, you are typically not charged any fees aside from the appraisal cost and perhaps account fees for banking products you choose to bundle in with your mortgage. A mortgage broker that facilitates a mortgage with you and a bank will receive a finders fee and is compensated fully by the lender. Alternative lenders do not provide the same compensation to brokers, in most cases, brokers will charge a broker fee. This broker fee can range depending on the complexity of the deal from 0.5% to 2% of the outstanding loan amount and is deducted from the advance of funds on closing. 

 

In addition to a broker fee, lenders will typically charge a lender fee ranging from 0.5% to 1.5% depending on the product selection/risk parameters. Alternative Lenders/B Lenders unlike banks normally see their clients choose short term mortgages, between 1-3 years mostly. An exit strategy is discussed up front in most cases how to transition from a B Lender to an A Lender. This means less profit for the lender, so they have incorporated fees into their business model to account for the additional risk they face when underwriting files more leniently.

 

Summary

 

Working with the professionals at Mortgages.ca provides you access to a myriad of products and solutions. We create custom mortgage solutions for our clients and unlike your bank or financial institution we can offer you products from multiple lenders that may be able to help you achieve your goals faster than if you were limited to the product selection from one lender. We work with over 50 lending institutions, from big banks to private lenders and everything in between.

 

Contact us today if you want to find out the optimal way to maximize your affordability and take advantage of the opportunities in your local real estate market. Whether a long time employee or newly self employed we will be here to help guide you through the process, educating you along the way. Don’t just take it from me, check out the testimonials from some of our clients to hear what they have to say 🙂

 

 

Alan B
Alan B
00:41 15 Sep 21

This was my second time working with James. Each time has been fast and seamless. Quick responses to all my questions. Very professional Clear explanations of everything going during the buy / sale. I would recommend James to everyone!read more

Michael Mooney
Michael Mooney
23:46 14 Sep 21

Steve & Zayna were incredibly helpful and supportive through the whole process. Highly recommend!read more

Majid Rismankar
Majid Rismankar
14:17 14 Sep 21

We worked with Steve for the mortgage of our dream house. He and his team were so supportive and responsive and patiently addressed any concern that we had. The process was very smooth and he handled everything on time and as promised. I definitely recommend him for anyone looking for a smart, honest, professional and responsible mortgage broker.read more

Francine Darroch
Francine Darroch
14:29 10 Sep 21

James Harrison and his team were wonderful to work with. They made the process of selling and buying our homes smooth. They are extremely response, efficient, professional, and a pleasure to work with. We will 100% work with them in the future and wouldn’t hesitate to recommend them.read more

Paul Moscuzza (WooFerPPK)
Paul Moscuzza (WooFerPPK)
12:48 06 Sep 21

Being our first time buying a place and getting a mortgage we were fairly scared and uninformed about everything related to that. James and his team were both very professional, friendly and helpful. Any questions and uncertainty we had we were comforted knowing that James would answer with a detailed response explaining whatever our questions were.James also worked hard to make sure he could secure us a great rate. He communicated all of the available options and helped us go through that process. If your looking for a mortgage specialist I highly recommend James and his team!read more

Christine Crawford
Christine Crawford
18:11 05 Sep 21

Steve Harrison and his team are always a pleasure to work with. We have worked with them many times! Professional, hard working (literally around the clock), treats his clients like family, and fun to work with!Highly recommended 🙂read more

Ryan Gilroy
Ryan Gilroy
16:59 03 Sep 21

James and his team were absolutely phenomenal to deal with throughout the entire process. Our situation was by no means straightforward and the amount of knowledge, patience, and professionalism they displayed really made me feel good from start to close. I can’t recommend them enough.read more

Jeff Campbell
Jeff Campbell
13:32 02 Sep 21

This is was our first going through a renewal process and a lot was on our plate and the way the economy/society was due to the pandemic, there was a lot of options to review. James and his team took the time to understand our family plans in the present and future and presented all options and guided us what he felt was best suited for our family and assured we were comfortable with the decision. The process was super easy and we highly recommend himread more

Sachin Hingoo
Sachin Hingoo
13:21 02 Sep 21

James and his team were always there to guide us through the (often complicated) mortgage process between the purchase of our new home and the sale of our previous one, every step of the way. They went above and beyond to secure us a great rate and were very helpful and communicative throughout the process. I would highly recommend their services to anyone that needs a mortgage specialist.read more

Kevin Colacci
Kevin Colacci
00:05 01 Sep 21

Steve and his team made the very overwhelming experience of buying our first house feel a lot more manageable. He listened to all of our concerns and found the best lender to meet our needs and limitations. Throughout the whole process there was no such thing as a stupid question, Steve took unfamiliar concepts and helped us make sense of them. He was available to help out whenever we needed him, which was very important in the fast-paced house hunt. Steve had our best interests in mind the whole time and found the best mortgage arrangement for us. When we have to renew our mortgage we will definitely be coming back and I would definitely recommend Steve to anyone else looking for a mortgage.read more

Steve Truong
Steve Truong
16:09 25 Aug 21

James and his team at Mortgages.ca are the real deal in many ways:- very professional through the process- knowledgeable of the process/market and able to guide you through your own circumstances, no matter how unique- extremely responsive- perhaps most importantly, they’re able to get great rates that are hard to find on your ownWould certainly recommend them to anyone looking for a mortgage.read more

David Chu
David Chu
18:25 23 Aug 21

Scott and James got us approved after we got poor service at our bank. They are experienced with self employed professionals and kept all their promises knowing we had a short closing. Thanks guys.read more

John Devaney
John Devaney
13:08 23 Aug 21

Hi James Harrison and Mayra Watrich are # 1 in my eyes . I had a bad experience with a very bad broker she lied from day one 3 weeks before closing she said i needed $30.000 more to close. I did not have. So because of her dishonesty. I would of lost my $15.000 deposit. A realtor Mike Mccarthy told me about James. Told him my story and he was very honest and professional up front. James did get me my loan before closing and a great mortgage. Thanks again James and Mayra.read more

Dan Maragno
Dan Maragno
20:35 17 Aug 21

James and his team were unbelievable and took any uncertainties right out of my hands. Very informative, exceptionally responsive and punctual. Hands down using them for my future transactions, it was a seamless experience….Thank you!!read more

Sharif Ad
Sharif Ad
21:15 13 Aug 21

Housing market is soaring like crazy and I thought I would not able to buy a house in Toronto. I reached out to Mortgage Architect after unsuccessfully dealing with various brokers. Scott Nazareth made me confident that he will buy me a house. He was incredible from beginning to end, very professional, responsive and managed to help me close on the property. He ensured that I felt at ease throughout the entire process, answered any of my questions via email and text message and always kept me updated with the progress of the approval. He also helped me to negotiate the interest rate! I am extremely glad and grateful that I reached out to Scott. I will not hesitate to recommend him to anyone.read more

Sura Jerky
Sura Jerky

22:23 04 Aug 21

i just want to share this testimony with you friends, because am so happy now , finally i just got my loan from Flora LOAN HELPER… if you are in any need of any kind of loan you can contact them now on email: (floralenders001@gmail.com) or whatsapp +17816707813read more

Jason Murray
Jason Murray
20:15 28 Jul 21

Amazing people who work their hardest to get you the best rate possible. Great communication and always prompt when responding! Overall great experience!read more

Joshua Acheson
Joshua Acheson
14:38 28 Jul 21

My partner and I worked with James and Mayra on our mortgage and they were fantastic. Both James and Mayra are great communicators and were very responsive throughout the process. They have good instincts for when to use email and when it’s best to hop on a call to sort out ambiguity.I would absolutely want to go through a future mortgage process with them and recommend them to any friends or family.read more

Mary Plasko
Mary Plasko
13:31 24 Jul 21

Scott is the one to speak to. In my unique situation, I was concerned about a few things and Scott was able to make things happen. 5 stars to your commitment, knowledge, thoroughness and professional approach while having an understanding of the human side of things at the same time. Scott alleviated much of the stress and helped this experience be that much more pleasant. I highly recommend mortgages.ca. You will be well taken care of. Thank you Scott.read more

Dariusz
Dariusz
14:26 16 Jul 21

Working with James and his team was a amazing! James was extremely responsive to my many questions and made the whole process very easy and stress free. I didn’t know getting a mortgage could be this smooth. Do yourself a favor and call James Harrison and his team to set you up with a mortgage. After working with banks and other brokers in the past they don’t even compare to the quality of service you will receive at Mortgages.ca.read more

Andrew McGirr
Andrew McGirr
15:24 14 Jul 21

My Wife and I worked with another mortgage broker to buy our home. Steve helped us refinance recently and we cannot believe the difference.Steve helps you through the whole process and understands exactly what the client wants/needsVery professional and timely and felt to be important. If I did not know any better I would say I was his only client at the time because he gives you so much attentionDo not waste time with anyone else, this will be the best choice you ever makeI will continue to use Steve for anything mortgage relatedread more

Holly Stallan
Holly Stallan
23:45 08 Jul 21

The best in the business. Steve is professional, incredibly thoughtful and responsive in all matters, and has gone above and beyond to help me with several mortgages over the past number of years. I highly recommend him to everyone looking for a sincere customer advocate!read more

Daniel Alonzo
Daniel Alonzo
17:30 08 Jul 21

My wife and I worked with James and his team when we bought our first home in 2017. Fast forward to today (i.e. 2021), James has once again made the transition of re-financing our mortgage as easy and comfortable as the first time we’ve worked with him. From this, we would like to highlight the consistent professional service he brings to his clients. We have full confidence that he will always represent the best interest of his clients regardless of how the real estate market is going.read more

Pedro Silva
Pedro Silva
04:02 07 Jul 21

We can’t thank James and Myra enough for their help in getting us our mortgage!We had been dealing with another mortgage broker a few weeks before our home search. All required paperwork done, all numbers crunched, you’re “good to go” we were told.We finally found the place we were looking for made an offer that was accepted then waited for the “formality” of having the mortgage approved. Well by day 4 of excuses we became extremely worried. Our place had sold, closing was now just 3 weeks away and we still had not been approved, despite being assured our file was “good to go”.We reached out to James and Myra and again submitted all the required paperwork, within a few days our mortgage (with a bridge loan in the mix) was approved!We wish we had started out with them from the beginning, the stress we would have been spared.THANK YOU, THANK YOU, THANK YOU!!!read more

Nathan Kruger
Nathan Kruger
15:01 03 Jul 21

Steve did an excellent job walking us through the mortgage application and closing process. He gave us good advice, was always available to answer questions and clearly enjoys what he does. He was a pleasure to work with and we would happily recommend him to anyone looking to buy their first home.read more

Rahul Ajani
Rahul Ajani
13:27 30 Jun 21

It was a pleasure to have James and Myra help us with our mortgage. They are well-organized, they prepared our file neatly and there was no last-minute rush for any missing papers. They are responsive: whenever I wrote to them I heard back from them in a matter of a few hours. They explained the whole process to us very well. There were no hidden fees/charges. Whenever we needed anything from them they acted really fast. For example, our builder’s law firm had made a mistake in the property address, so we needed revised approval letter, which they secured the very next day. Transparent professional and responsive. I would definitely recommend them to my friends.read more

Kathleen Bellehumeur
Kathleen Bellehumeur
21:11 18 Jun 21

Had a wonderful experience working with Mortgages.ca. James and team were so incredibly helpful, professional and detail oriented. They completely set my mind at ease and got us to a great outcome! Couldn’t recommend more highly!read more

Jonathan Grottoli
Jonathan Grottoli
21:45 14 Jun 21

Steve was very insightful. He really took the time to understand our needs and helped us think outside the box. With his guidance he saved us a lot of money and set us up for future success.read more

Neil Upshall
Neil Upshall
17:41 14 Jun 21

Had a great experience with James and Mayra at Mortgages.ca. And despite being a challenging customer, they were patient and accommodating with me throughout the entire process. Would highly recommend.read more

Natalie Kasparian
Natalie Kasparian
16:48 11 Jun 21

BEST MORTGAGE BROKERS.Look no further, they are always so fast at responding to any concerns you have regarding the mortgage process and then the mortgage itself. They made the whole process so seamless and easy.During my application, I wanted to make a change to my mortgage very close to the closing date and they were very understanding and made it happen in the nick of time !! I am very grateful and I highly recommend James and Mayra for all your mortgage needs !read more

Lisa Marriott
Lisa Marriott
16:21 11 Jun 21

James Harrison from mortgages.ca is our go-to mortgage broker. When we first purchased our home 9 years ago, we hadn’t met James yet. We used another broker from a big name company and it was disastrous. We were first time home buyers and I felt so alone in the process. My emails were often ignored and I did not have the guidance one really needs as a first time buyer.My husband is a successful realtor in Toronto and James Harrison came highly recommended. My husband recommends James to all of his clients as we have trusted him with our personal mortgage financing for the last two renewals. I’ve also recommended James to personal friends and they are all so thankful.James is very professional and very knowledgeable. He always responds very promptly. He makes everything seamless and stress free. He always goes above and beyond. If you’re looking for mortgage broker, look no further!read more

Anna Shpilevskaya
Anna Shpilevskaya
14:25 11 Jun 21

Had a wonderful experience getting our mortgage with James Harrison. This is the second time we had James help us and both times we have been extremely happy. He promptly answered all our questions and took the time to explain different options available to us. Highly recommend working with him and his team!read more

Ryan Wykes
Ryan Wykes
13:38 11 Jun 21

Only person I trust with my mortgage business. AAA+ service and guidance on the right moves for me and all my clients. The entire team makes the process seamless and easy.read more

Trudy T
Trudy T
17:13 01 Jun 21

I can not say enough about Steve and his assistance during my journey in purchasing a place. He has been nothing but helpful and full of insights… plus he has a friendly but non-pushy demeanor that made all our correspondences very comfortable. I felt like I could ask him anything and he was always happy to answer my questions in depth and easy to understand. Highly highly recommend Steve!!read more

Lauren Pelley
Lauren Pelley
03:00 01 Jun 21

We’ve had a great experience working with James and the Mortgages.ca team for more than a year now, including securing a mortgage for our first home. On top of that, the team alerted us to other great opportunities, such as a program to complete our home renovations and later helped us lower our interest rate. We highly recommend the broker route for anyone buying a home!UPDATE: We worked with James’ team again to refinance. Helpful and smooth process where he provided multiple options and got us the best rate, allowing us to make the most of our home’s value without moving. When we do sell, we’ll be returning for services from Mortgages.ca!read more

Tara Wood
Tara Wood
17:01 30 May 21

James and his team are helpful, thorough, responsive and just plain lovely to work with. While confirming a mortgage in this crazy market, they moved quickly to align with offer dates and provide sound advice along the way. highly recommend!read more

Patrick Stein
Patrick Stein
15:29 27 May 21

James and Zayna were great to work with. I was a first time buyer and needed a more complex mortgage setup than usual — they went out of their way to make the process smooth and answer any questions, and were always super quick with their responses (which, in this crazy world of Toronto real estate, was very helpful). Can’t recommend them enough!read more

Adam Mascherin
Adam Mascherin
14:33 27 May 21

We have used Steve and his team a second time for the mortgage on our new home and once again they hit it out of the park!It has been an absolute pleasure dealing with someone who always returns calls/emails in a timely manner and is a true professional.Steve’s knowledge of mortgages and finances in general is second to none. We always felt confident knowing that we would receive accurate and beneficial advice.There are many stresses related to moving and I’m happy to say that our mortgage wasn’t one of them.I have and will continue to recommend Steve and his team to anyone in need of a mortgage. Thank you for all the hard work and impeccable service!!!read more

Andrew Moody
Andrew Moody
13:41 27 May 21

We couldn’t be happier with Mortgages.ca and James and Mayra. Extremely professional and knowledgeable, they made the whole process super easy from start to finish and got us a fantastic rate. Highly recommended!!read more

rahman atta
rahman atta
15:13 26 May 21

Scott Nazareth was awesome from the start to my wife and I when we were looking to buy our first house. He was always super responsive to our questions whether a call or email and made the whole process a complete breeze. We secured an unreal rate also!!! Highly recommendedread more

Daniel Ling
Daniel Ling
14:51 26 May 21

James and his assistant Mayra did a great job on our mortgage! They were very honest about what I could afford and responded at all times of the day and night to questions I had. To top it all off he got me a great rate and even sent a gift basket to congratulate me on my new home.Would definitely recommend!read more

Shobha Shetty
Shobha Shetty
14:45 25 May 21

I will highly recommend James Harrison and his team Scott Nazareth @ mortgage.ca.Scott handled all our paper work . He was very professional and patient and answered all are queries and explained everything detailed . With all the follow work and his patience We felt very comfortable working with him. He closed our deal so smoothly and we are very happy that we choose the right brokerage company. Wishing him and his team all the good luck for future.read more

Eric Kennedy
Eric Kennedy
23:47 17 May 21

The professionalism and quality relationships we had during our experience was made so much better by the involvement of our broker and his dedication to our needs and goals. We were shown compassion and understanding that made the stresses of buying a house a little less stressful. Our dreams were met and we couldn’t be happier with our experience with Mortgages.ca and Our guy Vern Bovell. We are only here because of you.ThanksEric and Lisaread more

Sean Nolan
Sean Nolan
21:59 16 May 21

James and team were excellent with my first mortgage and subsequent refinancing. Very responsive and clear answers to what may be basic questions from first time buyers, highly recommend and will use James again in the future.read more

Alex Dettman
Alex Dettman
16:25 04 May 21

I’ve dealt with Steve for my initial mortgage (4 years ago) and again when I went to re-finance recently and Steve & his team were always willing to explore a variety of options and to accommodate our timelines, preferences and schedules and particular made navigating the complexities of a re-financing during the virtual environment as seamless as possible. I would definitely recommend Steve & team, and will likely go to him again in the future.read more

Sally B
Sally B
15:15 30 Apr 21

Great experience- professional and super pleasant to deal with! Highly recommend.read more

Sean Marks
Sean Marks
12:48 30 Apr 21

Both James and Zayna were incredibly helpful with this process, walking us through everything and spending the time to make sure our decision was the right one. As first time home buyers it made this big step so much more enjoyable knowing we were in good hands. Would highly recommend their services.read more

Anne-Marie Stuart
Anne-Marie Stuart
14:48 28 Apr 21

Working with James and his team was a dream! James was extremely responsive to our (many!) questions and gave us great advice. Most importantly, he found us a great mortgage that made it possible for us to buy our dream home. We would highly recommend working with James if you get the chance.read more

Himanshu Jog
Himanshu Jog
01:48 19 Apr 21

Worked w/James & team recently and had a great experience. Being new to this market, I was full of basic (& sometimes silly) questions and James/team were full of patience. They were very prompt in responding to my emails and phone calls. I’ve had a great experience and recommend their service to anyone in need. Thanks again, James!read more

Brian LeNguyen
Brian LeNguyen
17:27 15 Apr 21

Steve was excellent to deal with and always made himself available to discuss any questions or concerns. The whole mortgage process felt very seamless and pain free.2021 Update: Steve was once again an incredibly helpful resource and trusted advisor when guiding us through the steps required for the mortgage application process.read more

Ann MacNaughton
Ann MacNaughton

15:43 16 Feb 18

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!
read more

Mustard Littl
Mustard Littl

16:26 14 Feb 18

Answer to trivia question: 2.7%

Amanda Rose
Amanda Rose

23:54 04 Sep 17

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.read more

Brad Scott
Brad Scott

03:08 15 Aug 17

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.read more

Melissa Trombetta
Melissa Trombetta

02:19 17 Feb 17

Excelente service. Steve did everything we needed to get what we needed. Very satisfiedread more

Andrew Smith
Andrew Smith

01:28 06 Jun 16

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.read more

Barry Naymark
Barry Naymark

16:45 17 May 16

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!read more

Joy Varrasso
Joy Varrasso

18:41 11 Jun 15

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!!read more

Diana Wright
Diana Wright

13:03 04 Dec 14

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!read more

Sarah Makhomet
Sarah Makhomet

17:45 26 Nov 14

A great team of professionals!!!

Alyse Orsborn
Alyse Orsborn

20:48 28 May 14

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!!read more

Paul Francis
Paul Francis

16:31 29 Mar 14

Nothing but professionals here, looking forward to our next dealread more

Nicolas Wen Shea
Nicolas Wen Shea

13:44 25 Mar 14

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!read more

Lee Dipps
Lee Dipps

22:18 17 Mar 14

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.read more

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