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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

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

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

blog, Mortgage Education

Non-Resident Buyers: What You Need to Know About Buying Property in Canada

The rules for borrowing to buy property in Canada are a bit different for non-residents

Toronto Waterfront

Toronto is among the top places for non-residents to purchase property in Canada. Photo credit: Scott Webb via Unsplash

 

Who can buy real estate in Canada?

Canada welcomes buyers from anywhere in the world, and there are no restrictions to the types of properties people can buy.


What is a non-resident?

It has nothing to do with citizenship.
Lenders define a non-resident as someone who does not earn an income here and who does not file taxes in Canada.


How much does a non-resident need for a down payment?

Lenders typically ask for a larger down payments from non-residents of Canada than they do from resident borrowers. Exactly how much more depends on a few factors. For example:

U.S. Residents

If you’re living in the United States,  plan to use the property rather than rent it, and can provide proof of income and down payment, your down payment must be at least 20 per cent of the total purchase price.

Elsewhere in the world

If you’re living anywhere other than Canada or U.S. and can provide proof of income and down payment, your down payment must be at least 35 per cent of the purchase price. As well, your down payment cannot be a gift from another person or entity.

 

(Note that If you already own property in Canada, you won’t qualify for this special program and will have to provide proof of income and a down payment of at least 35 per cent.)

The Bond

Many non-residents buy condos in Canada’s urban centres. Above, The Bond Condos in Queen West, Toronto. (Photo credit: Condos.ca)

What documents do non-residents need to qualify for a mortgage in Canada?

  • Proof of income (letter of employment, pay stubs and income tax returns)
  • Proof of down payment (bank statements for the last 90 days)
  • Reference letter from a bank outside Canada
  • Report from an international credit bureau or bank statements for the last six months

 

Will lenders consider rental income as part of a non-resident’s income?

Lenders will not allow applicants to include rental income as part of their income to qualify.


What kind of mortgage rates and terms do non-residents get?

For the most part, provided they meet the mortgage eligibility criteria, non-residents can access the same mortgage products that are available to residents of Canada.

But there are a few restrictions:

  • Some lenders may charge a rate premium for non-residents
  • Non-residents cannot have amortization terms of more than 25 years
  • Non-residents cannot get home equity lines of credit
  • Non-residents cannot refinance


Do non-residents need to be in Canada at any point to secure financing for a home?

Usually, non-residents will need to be in Canada at least twice to complete the process of financing and buying property.

First, a buyer will need to visit Canada to open a Canadian bank account. (Note, there are exceptions to this rule. For example, some of our clients have found that, as HSBC Premier clients, they’ve been able to open accounts in Canada from their home countries.)

Second, non-residents must be present at closing, as there are no power of attorney options for closing.

What taxes do non-residents pay when purchasing real estate in Canada?

Non-residents are subject to the same land transfer taxes as Canadian residents when they purchase property here. Those buying residential property in or near Toronto will be required to pay Ontario’s Non-Resident Speculation Tax, which is 15 per cent of the purchase price. Click here for a closer look at Ontario regions subject to the Non-Resident Speculation Tax.

Want to learn more?

Buying a home from another country can seem like an overwhelming prospect because there’s so much to learn. But we’re happy to explain the details. As licensed mortgage brokers, we work with home buyers and a wide array of major lenders to match people with the perfect mortgage for their needs. Our services are free to the home buyer.

 

Ready to dig deeper?
Go to our online application form so we can assess your specific mortgage needs.

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

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

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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