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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

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

Shantelle Bisson
Shantelle Bisson
22:56 14 Apr 21

We’ve been dealing with banks and their Mortgage “experts” our entire home ownership lives, and those relationships have always left us frustrated because we knew that we weren’t getting the best mortgage deal for us. Working with Mortgages.ca, and James Harrison specifically, was a breath of fresh air knowing that we had somebody working for our best interests! We now enjoy our properties much more knowing that we absolutely got the best rates, and deals that we could for our mortgages, along with getting to keep more of our money instead of the banks getting it. Not only that it was personalized care from start to finish, but they were extremely clear in what they needed from us every step of the way. My husband and I both agree that we will only work with Mortgages.ca going forward.read more

L Hunter
L Hunter
16:12 13 Apr 21

James and Mayra are a great team. Responsive, knowledgeable and easy to work with. James came up with and option that hadn’t even crossed my mind. Just what you need.read more

Shannon Blanshard
Shannon Blanshard
17:34 09 Apr 21

Steve was incredible to deal with! At the last second we needed to make a substantial change to our mortgage. Steve jumped at the opportunity to help and worked late to get in contact with the bank. Without his overtime and critical problem solving we might have had to push our closing date. He stayed calm and leaned on his relationships to make it happen. There aren’t a lot of mortgage brokers or people from the bank who would ever give their time like that. My husband and I are very thankful and will continue to use Steve for everything in the future.read more

Jason Wallace
Jason Wallace
21:47 07 Apr 21

Scott & James,I just wanted to thank you for all your help this past year not only for my clients but for my own mortgage needs as well. In most cases many of the scenarios were challenging and I was able to rely not only on your professionalism but the personal service you always provide.I greatly appreciate you always being able to get the job done (even through a worldwide pandemic), and leveraging the best rates through the multiple lenders you work with by creating a bespoke strategy for each client.Looking forward to sharing another successful year, thank you again.Jason – Royal LePageread more

Landon Wildman
Landon Wildman
22:10 30 Mar 21

10/10 would recommend James to anyone looking for a broker. Straight forward and responsive with great results.read more

Eric Brewer
Eric Brewer
14:48 29 Mar 21

Another extraordinary experience working with Steve and Zayna. Steve helped us buy our first home in 2019 and we had such an exceptional experience we contacted him when considering a refinance and buying our first investment property. Steve went above and beyond, always happy to call and take his time guiding us through every step and our countless questions. He even intervened when we had an issue with the appraiser and fought on our behalf to get our home reassessed resulting in our successful refinance. He was super supportive with our first rental property purchase and provided very helpful guidance on planning our investment path. We also referred my mom to her and because of Steve’s amazing support, she finally felt confident enough to buy her first condo, a lifelong dream of hers. Needless to say he also got us all amazing rates! Steve treats you like a VIP no matter what you are buying and he happily has our highest recommendation. We look so forward to continuing our journey with him and refer all our family and friends with total confidence. It simply doesn’t get better!read more

Antoinette M.
Antoinette M.
00:58 28 Mar 21

I had a great experience working with James and Mayra. They walked me through every step of the process and they took time to answer every question. Buying a home can be a cumbersome process but it was smooth sailing with this team and I highly recommend their expertise.read more

Victor Carrajola
Victor Carrajola
10:21 25 Mar 21

I had the pleasure of dealing with Scott Nazareth. He was clear and concise with what he wanted from me to deal with my refinancing. I highly recommend Mortgages.ca. Great job Scott!read more

John Ananiadis
John Ananiadis
23:53 24 Mar 21

My partner and I worked with Scott for a good chunk of the year that we were looking for a house. Although we went with one of our banks in the end for our mortgage, we were very impressed by Scott’s knowledge, patience, and good nature. It was a pleasure working with him and I highly recommend his services.read more

Dave Gussin
Dave Gussin
20:17 22 Mar 21

To sum it up quickly: Mortgages.ca checks all the boxes. HIGHLY recommended!The details:James, Mayra and the whole team spent a great deal of time with us not only on the phone but via email to help us to understand the current landscape, to explore all of our options, and to make an informed decision regarding mortgage products with all of the pros and cons. James is not “coin-operated”, meaning he’s not focused exclusively on closing your deal and moving on to the next one; he truly cares about making sure you get the best product for your needs. They also went the extra mile and gave us money out of their own pocket to cover the difference between what was supposed to be our final payout from the financial institution we ended up choosing and what we actually received. I can’t say enough about much we enjoyed working with this great company.read more

Vladimir Rnjak
Vladimir Rnjak
03:54 22 Mar 21

I worked with Scott to get a better rate than my current lender was offering on a refinance of my mortgage. Knowledgeable, quick to respond to emails, pleasant to work with. Would recommend mortgages.caread more

Aamna C
Aamna C
02:20 19 Mar 21

James & Zayna from Mortgages.ca made our house-buying experiences very seamless. As first-time home buyers, they walked us through the entire process and made sure to keep us updated at every step. We really appreciated their quick response and transparency.read more

Matthew Ryan
Matthew Ryan
01:47 16 Mar 21

Steve at Mortgages.ca was an absolute key part of our successful house hunt. He took the time to make sure we fully understood our financing options, introduced us to options we were the best fit, and was with us every step of the way on the house purchase journey. He had exceptional turn around time and took a genuine interest in making sure we got the best deal and mortgage possible. He was always a call or text away.read more

Neil Sookhoo
Neil Sookhoo
23:43 03 Mar 21

Scott did an amazing job as our mortgage broker. As first time home buyers, my fiance and I initially felt intimidated at the prospect of buying a house in the GTA but Scott made the process easy, guiding us through the mortgage process and ensuring we got the best possible deal. He was very responsive to all of our questions and requests and extremely knowledgeable. We could not have been happier with Scott and would not hesitate to work with him in the future.read more

Jack W
Jack W
14:51 03 Mar 21

It was a pleasure working with James. He made the mortgage process incredibly easy and was very professional and responsive. On top of that, he got me the best rates. I would recommend James to anyone.read more

Ai Vy Moeller
Ai Vy Moeller
21:58 24 Feb 21

I had the pleasure of working with James and his team to secure my first mortgage. As a first-time homebuyer, I had many questions – luckily, James was very knowledgeable, helpful, and responsive. James and Zayna also made sure my paperwork was completed smoothly and in a timely manner. I couldn’t have asked for better service. Thank you!read more

Luis Varessis
Luis Varessis
00:47 23 Feb 21

Steve and his team at Mortgages.ca offer exceptional service and professional advise in all things mortgage. This is the 3rd time we have worked with Steve and besides his expert advise, he was able to connect us with industry experts for all our needs (we needed a lawyer) thus making the re-financing process carefree. Last but not least he got us a rate that we didn’t believe existed! Thank you Steve!read more

Lynda Brewer
Lynda Brewer
17:48 22 Feb 21

I would absolutely recommend Steve to anyone. No question was insignificant to him; his knowledge and expertise helped me immensely and he got me an outstanding rate. Steve always picked up the phone or responded immediately to email. He is highly professional, very responsive and an extremely nice person.read more

Scott Dwinnell
Scott Dwinnell
12:32 19 Feb 21

This wasn’t our first time working with Steve and it certainly won’t be our last. Steve and his team went above and beyond again to ensure the process was seamless. A 5 star rating is not enough. We are looking forward to the next purchase with Steve!read more

Cristina Mg
Cristina Mg
17:33 18 Feb 21

Steve was the best. Super responsive at all times! He got me the best rate and went above and beyond making me feel at ease as I was a first time home buyer and had many questions.I’ve already started recommending him to my friends and family.Thank you Steve !read more

Victoria Nanowski
Victoria Nanowski
14:07 10 Feb 21

James and his team were great. They were very helpful with a lot of product knowledge (James was able to get us great rates and terms across a few mortgage products for us to choose from), and went above and beyond with customer service. Highly recommend!read more

Agerfa Sote
Agerfa Sote

13:51 09 Feb 21

I saw so many people talking about a lady called Mrs Jane Gilbert and i kept wondering if she is really an expert trader like they say and not a scammer like the others, then i contacted her and i was shocked and amazed that with just $1000 i invested, Jane helped me managed my account and after 7 days of trading, i made my first withdrawal of $12,900. I’m so happy sharing this testimony with you all, you can contact her via WhatsApp or email and make good profit
WhatsApp: +19514672061
Email: janegilbert33@gmail.com
Instagram: janetrader01
read more

Andrea Agro
Andrea Agro
18:04 04 Feb 21

Steve was our lifeline through refinancing our home. His dedication, knowledge and service was exceptional. We were definitely new to the process and he answered all our questions and concerns at any time of the day! He negotiated an amazing rate for us and dealt with any and every issue professionally with a calm, confident approach. I would not hesitate to recommend Steve and his team. Top notch service and experience!read more

Paula Parejo
Paula Parejo
15:34 04 Feb 21

As a first time home buyer, finding the right mortgage is extremely intimidating. Steve took the time to educate us, answer our questions (no matter how small or silly they seemed) building trust with us. We are so grateful for the guidance we were given as we have an amazing mortgage rate. Highly recommend!read more

Courtney Grafton
Courtney Grafton
20:57 02 Feb 21

James Harrison and Mayra were fanatic help as we purchased our first home! He was quick to communicate and made the process smooth. We will be recommending him to all our friends in the future!!!read more

Louis
Louis
19:12 02 Feb 21

I worked with James and his team to help us secure a mortgage for our new home. They were proffesional, responsive and an overall pleasure to work with!read more

Jarek Stache
Jarek Stache
16:28 02 Feb 21

My fiancee and I were almost ready to give up after almost a year of searching for our 1st home. A family friend recommended James for our mortgage and because of him and his team we found our dream house! James Harrison and Mayra Watrich were able to provide us with options that our previous mortgage specialists were not able to provide! Thank you so much, you are the best! Couldn’t recommend more!!!read more

Hawa Y. Mire
Hawa Y. Mire
20:42 01 Feb 21

Scott is an excellent mortgage broker. He worked with us into late nights, navigating busy institutions to make it possible for us to purchase our home. He was responsive, prepared and knowledgeable about the sector. We wouldn’t hesitate to recommend him to others – and in fact encourage you to choose him over others in your search for the right home!read more

Jon Lloyd
Jon Lloyd
15:23 29 Jan 21

If I could give these guys more than 5 stars I would. James and his team are absolute gems to work with. We were referred to him originally through our realtor 5 years ago for our first mortgage and the level of client service, expertise, and professionalism was top notch. Our mortgage term recently ended and we approached James again to help us look at our options. Again, James and his team were nothing short of amazing to work with. He was able to get us an incredibly competitive rate (way better than I was expecting) and was able to help us find a product that was the right fit for us. James has earned our trust and we will be life long clients. If you’re considering buying your first home, moving, or buying a second property, do yourself a huge favor a book some time to speak with James. You won’t regret it.read more

Vicki Adderley
Vicki Adderley
16:52 20 Jan 21

Great experience! Kept us up to date and provided lots of information. Steve was wonderful to work with throughout the 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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Uncategorized

Beyond the Headlines

Why the Fine Print Matters More Than the Interest Rates

The recent unveiling of a sub-one per cent interest rate on a mortgage got a lot of media attention.

 

When have interest rates ever been this low?

 

It’s no surprise people have been keen to jump on this offer but as tempting as it may seem, the devil is in the details.

 

Advertising such a low rate is a brilliant marketing move to get people in the doors of a bank — or at least on the phone during a pandemic. But if you don’t read the fine print before signing on, you may discover your low-interest mortgage wasn’t such a good deal after all.

 

What to look for in an ultra-low interest mortgage

 

Ask lots of questions and study the terms carefully with such mortgages. How long are you locked into this borrowing plan? What happens if your life changes drastically and you need to break your mortgage? What’s the penalty if that happens?

 

“Choosing a fixed rate is really dependent on your life not changing for some time, but no one can see into the future,” says Scott Nazareth, mortgage professional with Mortgages.ca. “For such a big investment, the penalties can be quite huge.”

 

And they’re generally written in the fine print of every deal. Those details need to be reviewed so you know what happens in case of career changes, which this year has taught us can happen suddenly, divorce or death. All of these circumstances can cause a major shift in income and force you to break your mortgage.

 

Help where you need it

 

Buying a home is exciting, and sometimes the thrill of calling a place one’s own can override the heavier conversations that need to happen before signing on any dotted line, no matter how low the interest rate.

 

That’s why Scott Nazareth recommends working with a mortgage professional you trust. Having someone to discuss worst-case scenarios in an honest and frank way is important when securing the mortgage that works best for you. Together, you might find it’s better to pay a slightly higher interest rate if such a mortgage gives you the flexibility you need when life changes, especially for the worse.

 

Alternatively, a home equity line of credit might be the best financing option. “It’s something that needs to be considered when taking on such debt,” Nazareth says. “If you have to change around your mortgage and sell, you could be paying tens of thousands of dollars (in penalties) when you could be paying an extra 50 cents a day now (in interest).

 

There are lots of ways people can structure their debt to meet their goals. You should focus on the rate of change not just the rate that’s given to fit the circumstances of today.”

 

 

 

 

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

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

Shantelle Bisson
Shantelle Bisson
22:56 14 Apr 21

We’ve been dealing with banks and their Mortgage “experts” our entire home ownership lives, and those relationships have always left us frustrated because we knew that we weren’t getting the best mortgage deal for us. Working with Mortgages.ca, and James Harrison specifically, was a breath of fresh air knowing that we had somebody working for our best interests! We now enjoy our properties much more knowing that we absolutely got the best rates, and deals that we could for our mortgages, along with getting to keep more of our money instead of the banks getting it. Not only that it was personalized care from start to finish, but they were extremely clear in what they needed from us every step of the way. My husband and I both agree that we will only work with Mortgages.ca going forward.read more

L Hunter
L Hunter
16:12 13 Apr 21

James and Mayra are a great team. Responsive, knowledgeable and easy to work with. James came up with and option that hadn’t even crossed my mind. Just what you need.read more

Shannon Blanshard
Shannon Blanshard
17:34 09 Apr 21

Steve was incredible to deal with! At the last second we needed to make a substantial change to our mortgage. Steve jumped at the opportunity to help and worked late to get in contact with the bank. Without his overtime and critical problem solving we might have had to push our closing date. He stayed calm and leaned on his relationships to make it happen. There aren’t a lot of mortgage brokers or people from the bank who would ever give their time like that. My husband and I are very thankful and will continue to use Steve for everything in the future.read more

Jason Wallace
Jason Wallace
21:47 07 Apr 21

Scott & James,I just wanted to thank you for all your help this past year not only for my clients but for my own mortgage needs as well. In most cases many of the scenarios were challenging and I was able to rely not only on your professionalism but the personal service you always provide.I greatly appreciate you always being able to get the job done (even through a worldwide pandemic), and leveraging the best rates through the multiple lenders you work with by creating a bespoke strategy for each client.Looking forward to sharing another successful year, thank you again.Jason – Royal LePageread more

Landon Wildman
Landon Wildman
22:10 30 Mar 21

10/10 would recommend James to anyone looking for a broker. Straight forward and responsive with great results.read more

Eric Brewer
Eric Brewer
14:48 29 Mar 21

Another extraordinary experience working with Steve and Zayna. Steve helped us buy our first home in 2019 and we had such an exceptional experience we contacted him when considering a refinance and buying our first investment property. Steve went above and beyond, always happy to call and take his time guiding us through every step and our countless questions. He even intervened when we had an issue with the appraiser and fought on our behalf to get our home reassessed resulting in our successful refinance. He was super supportive with our first rental property purchase and provided very helpful guidance on planning our investment path. We also referred my mom to her and because of Steve’s amazing support, she finally felt confident enough to buy her first condo, a lifelong dream of hers. Needless to say he also got us all amazing rates! Steve treats you like a VIP no matter what you are buying and he happily has our highest recommendation. We look so forward to continuing our journey with him and refer all our family and friends with total confidence. It simply doesn’t get better!read more

Antoinette M.
Antoinette M.
00:58 28 Mar 21

I had a great experience working with James and Mayra. They walked me through every step of the process and they took time to answer every question. Buying a home can be a cumbersome process but it was smooth sailing with this team and I highly recommend their expertise.read more

Victor Carrajola
Victor Carrajola
10:21 25 Mar 21

I had the pleasure of dealing with Scott Nazareth. He was clear and concise with what he wanted from me to deal with my refinancing. I highly recommend Mortgages.ca. Great job Scott!read more

John Ananiadis
John Ananiadis
23:53 24 Mar 21

My partner and I worked with Scott for a good chunk of the year that we were looking for a house. Although we went with one of our banks in the end for our mortgage, we were very impressed by Scott’s knowledge, patience, and good nature. It was a pleasure working with him and I highly recommend his services.read more

Dave Gussin
Dave Gussin
20:17 22 Mar 21

To sum it up quickly: Mortgages.ca checks all the boxes. HIGHLY recommended!The details:James, Mayra and the whole team spent a great deal of time with us not only on the phone but via email to help us to understand the current landscape, to explore all of our options, and to make an informed decision regarding mortgage products with all of the pros and cons. James is not “coin-operated”, meaning he’s not focused exclusively on closing your deal and moving on to the next one; he truly cares about making sure you get the best product for your needs. They also went the extra mile and gave us money out of their own pocket to cover the difference between what was supposed to be our final payout from the financial institution we ended up choosing and what we actually received. I can’t say enough about much we enjoyed working with this great company.read more

Vladimir Rnjak
Vladimir Rnjak
03:54 22 Mar 21

I worked with Scott to get a better rate than my current lender was offering on a refinance of my mortgage. Knowledgeable, quick to respond to emails, pleasant to work with. Would recommend mortgages.caread more

Aamna C
Aamna C
02:20 19 Mar 21

James & Zayna from Mortgages.ca made our house-buying experiences very seamless. As first-time home buyers, they walked us through the entire process and made sure to keep us updated at every step. We really appreciated their quick response and transparency.read more

Matthew Ryan
Matthew Ryan
01:47 16 Mar 21

Steve at Mortgages.ca was an absolute key part of our successful house hunt. He took the time to make sure we fully understood our financing options, introduced us to options we were the best fit, and was with us every step of the way on the house purchase journey. He had exceptional turn around time and took a genuine interest in making sure we got the best deal and mortgage possible. He was always a call or text away.read more

Neil Sookhoo
Neil Sookhoo
23:43 03 Mar 21

Scott did an amazing job as our mortgage broker. As first time home buyers, my fiance and I initially felt intimidated at the prospect of buying a house in the GTA but Scott made the process easy, guiding us through the mortgage process and ensuring we got the best possible deal. He was very responsive to all of our questions and requests and extremely knowledgeable. We could not have been happier with Scott and would not hesitate to work with him in the future.read more

Jack W
Jack W
14:51 03 Mar 21

It was a pleasure working with James. He made the mortgage process incredibly easy and was very professional and responsive. On top of that, he got me the best rates. I would recommend James to anyone.read more

Ai Vy Moeller
Ai Vy Moeller
21:58 24 Feb 21

I had the pleasure of working with James and his team to secure my first mortgage. As a first-time homebuyer, I had many questions – luckily, James was very knowledgeable, helpful, and responsive. James and Zayna also made sure my paperwork was completed smoothly and in a timely manner. I couldn’t have asked for better service. Thank you!read more

Luis Varessis
Luis Varessis
00:47 23 Feb 21

Steve and his team at Mortgages.ca offer exceptional service and professional advise in all things mortgage. This is the 3rd time we have worked with Steve and besides his expert advise, he was able to connect us with industry experts for all our needs (we needed a lawyer) thus making the re-financing process carefree. Last but not least he got us a rate that we didn’t believe existed! Thank you Steve!read more

Lynda Brewer
Lynda Brewer
17:48 22 Feb 21

I would absolutely recommend Steve to anyone. No question was insignificant to him; his knowledge and expertise helped me immensely and he got me an outstanding rate. Steve always picked up the phone or responded immediately to email. He is highly professional, very responsive and an extremely nice person.read more

Scott Dwinnell
Scott Dwinnell
12:32 19 Feb 21

This wasn’t our first time working with Steve and it certainly won’t be our last. Steve and his team went above and beyond again to ensure the process was seamless. A 5 star rating is not enough. We are looking forward to the next purchase with Steve!read more

Cristina Mg
Cristina Mg
17:33 18 Feb 21

Steve was the best. Super responsive at all times! He got me the best rate and went above and beyond making me feel at ease as I was a first time home buyer and had many questions.I’ve already started recommending him to my friends and family.Thank you Steve !read more

Victoria Nanowski
Victoria Nanowski
14:07 10 Feb 21

James and his team were great. They were very helpful with a lot of product knowledge (James was able to get us great rates and terms across a few mortgage products for us to choose from), and went above and beyond with customer service. Highly recommend!read more

Agerfa Sote
Agerfa Sote

13:51 09 Feb 21

I saw so many people talking about a lady called Mrs Jane Gilbert and i kept wondering if she is really an expert trader like they say and not a scammer like the others, then i contacted her and i was shocked and amazed that with just $1000 i invested, Jane helped me managed my account and after 7 days of trading, i made my first withdrawal of $12,900. I’m so happy sharing this testimony with you all, you can contact her via WhatsApp or email and make good profit
WhatsApp: +19514672061
Email: janegilbert33@gmail.com
Instagram: janetrader01
read more

Andrea Agro
Andrea Agro
18:04 04 Feb 21

Steve was our lifeline through refinancing our home. His dedication, knowledge and service was exceptional. We were definitely new to the process and he answered all our questions and concerns at any time of the day! He negotiated an amazing rate for us and dealt with any and every issue professionally with a calm, confident approach. I would not hesitate to recommend Steve and his team. Top notch service and experience!read more

Paula Parejo
Paula Parejo
15:34 04 Feb 21

As a first time home buyer, finding the right mortgage is extremely intimidating. Steve took the time to educate us, answer our questions (no matter how small or silly they seemed) building trust with us. We are so grateful for the guidance we were given as we have an amazing mortgage rate. Highly recommend!read more

Courtney Grafton
Courtney Grafton
20:57 02 Feb 21

James Harrison and Mayra were fanatic help as we purchased our first home! He was quick to communicate and made the process smooth. We will be recommending him to all our friends in the future!!!read more

Louis
Louis
19:12 02 Feb 21

I worked with James and his team to help us secure a mortgage for our new home. They were proffesional, responsive and an overall pleasure to work with!read more

Jarek Stache
Jarek Stache
16:28 02 Feb 21

My fiancee and I were almost ready to give up after almost a year of searching for our 1st home. A family friend recommended James for our mortgage and because of him and his team we found our dream house! James Harrison and Mayra Watrich were able to provide us with options that our previous mortgage specialists were not able to provide! Thank you so much, you are the best! Couldn’t recommend more!!!read more

Hawa Y. Mire
Hawa Y. Mire
20:42 01 Feb 21

Scott is an excellent mortgage broker. He worked with us into late nights, navigating busy institutions to make it possible for us to purchase our home. He was responsive, prepared and knowledgeable about the sector. We wouldn’t hesitate to recommend him to others – and in fact encourage you to choose him over others in your search for the right home!read more

Jon Lloyd
Jon Lloyd
15:23 29 Jan 21

If I could give these guys more than 5 stars I would. James and his team are absolute gems to work with. We were referred to him originally through our realtor 5 years ago for our first mortgage and the level of client service, expertise, and professionalism was top notch. Our mortgage term recently ended and we approached James again to help us look at our options. Again, James and his team were nothing short of amazing to work with. He was able to get us an incredibly competitive rate (way better than I was expecting) and was able to help us find a product that was the right fit for us. James has earned our trust and we will be life long clients. If you’re considering buying your first home, moving, or buying a second property, do yourself a huge favor a book some time to speak with James. You won’t regret it.read more

Vicki Adderley
Vicki Adderley
16:52 20 Jan 21

Great experience! Kept us up to date and provided lots of information. Steve was wonderful to work with throughout the 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!
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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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