Sign In

BLOG

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

Jo-Ann Phillips
Jo-Ann Phillips
20:38 19 Jan 21

Everyone at Mortgages.ca goes over the top! James finds the most remarkable deals (I mean who knew, right?). Then they follow-up on every detail, track every thread right down to the last signature! Great problem solvers too. And they’re fabulous people! Warm hearted, kind, generous – and everybody needs more of that. Recommended them to several people and I’ll continue to do that – made miracles happen for me and my referrals. You’re very lucky indeed if you’ve decided to work with them. My discerning Banker’s eyes went wide when she saw the rates and the deal they got me – and THAT’S an endorsement,read more

Britt G
Britt G
21:47 15 Jan 21

This was our second time using Steve and we cannot say enough about him. He was so helpful, knowledgeable and always quick to respond. He made buying our forever house just as easy as the first time we bought a condo. Would highly recommend!read more

Mathieu
Mathieu
16:36 15 Jan 21

Steve was extremely helpful and professional through the entire process of refinancing our mortgage. I can’t recommend him enough. He’ll fight to get the best product for you and will consistently make himself available to meet your needs. While we had difficulty with some of our other service providers during the recent refinance, I could consistently count on Steve’s advice and solid service throughout the process, and that was very reassuring.read more

sairam srinivas
sairam srinivas
01:08 15 Jan 21

Steve made our home buying experience a walk in the park. Being a first time home buyer, I had a lot of questions that would come to me at different times through the home buying process, but Steve was there to hand hold me and answer all my questions patiently through texts or calls. I would recommend Steve to anyone who would want to buy a home.read more

Jason Buckland
Jason Buckland
00:28 15 Jan 21

Ask for Steve Harrison, because this guy is tremendous. Steve played for us equal parts mortgage broker, financial advisor, consultant, cheerleader, therapist … you name it. He took two totally green home buyers, my wife and I, and held our hand through the entire process—obviously, securing a killer mortgage at a great rate, but also leaving us floored by his knowledge, his savvy, and frankly his total patience and candor through every last detail and every point large or small.The best review of a mortgage broker may be that you’d recommend them to others. Not only will we be doing that, but Steve has secured lifetime clients in us, as well.read more

Marina Parejo
Marina Parejo
15:30 14 Jan 21

From the purchase of our first home, to our mortgage renewals and additional products, Steve Harrison has been an incredible support system. He is always prompt with responses (no matter the time or day of the week) and is thorough in not only giving us an answer, but working to help us understand the products and the impact of our decisions. I have recommended Steve to friends and family, and will continue to recommend his work and expertise to my network. Thanks Steve, it’s been a pleasure working with you!read more

olis meedolson
olis meedolson
15:15 14 Jan 21

As a first time home buyer, Steve Harrison made my move and the whole process of buying a place so easy. He was very responsive, professional and knowledgeable regarding any questions i had. I would recommend Steve and Mortgage Architects Brokerage to anyone looking to buy a home. Fantastic service! Thank you so much!!read more

Jonathan Foster
Jonathan Foster
22:38 13 Jan 21

The most important item in working with a mortgage broker is TRUST. If you were to know me, it is a huge achievement that I state “I blindly trust James with all my mortgage decisions and in handling the mortgage decisions for all of my family members and friends”.James has proven himself time and again in going the extra mile to ensure our questions are answered clearly and in a way that we fully understand. He ensures our best interests are at the forefront of every decision. Thankyou James, and to your team, for always taking care of our family. You have a client for life!!!!read more

Michelle Y
Michelle Y
00:10 08 Jan 21

James Harrison and his team are absolutely incredible. James and Mayra were so helpful, responsive and understanding throughout the whole process, and their expertise gave me a huge amount of reassurance as a first time homebuyer. I am convinced that James worked some miracles for me and I would recommend his services to everyone.read more

Jesse Zimmer
Jesse Zimmer
15:17 07 Jan 21

As a first time buyer, I wasn’t sure what I was getting myself into. Scott from Mortgages.ca helped me through every step and was there anytime I had a question. My realtor was very impressed with his dedication to the deal and professionalism. I would highly recommend Scott for any mortgage needs.read more

Tan Ly
Tan Ly
22:17 06 Jan 21

As a first time home buyer, James and Mayra made the mortgage process really easy for us. They were very quick in responding to my many questions. James was also very patient during my home search when I would send him different listings to get an idea of what our maximum bids would be. Completing the mortgage paperwork was also not an issue as Mayra was very helpful in guiding us through the process. I highly recommend Mortages.ca to anyone!read more

Adam H
Adam H
14:15 06 Jan 21

I used mortgages.ca as a first time home buyer . James and his team were responsive and very helpful throughout the entire process. Every situation is unique and James and his team worked with us to collect all information required from the lender. There was 0 hiccups or issues throughout this process that made my first home buyer experience very stress free.read more

Daniela DeGasperis
Daniela DeGasperis
21:02 05 Jan 21

James and his team at Mortgages.ca have been wonderful to work with. Because of James, I was able to seamlessly purchase properties, in a structure that best suited me and my interests. This is incredibly valuable to me. I would highly recommend the team at Mortgages.caread more

Peter Iannuzzi
Peter Iannuzzi
18:56 05 Jan 21

I would like to thank James and the team especially Mayra for their professionalism and help in making this process seamless and actually enjoyable. I would highly recommend them to anyone looking to refinance or obtain a new mortgage.thanks again.read more

Gregory Jackson
Gregory Jackson
18:19 21 Dec 20

James and his team were very enjoyable to work with and exceeded our expectations. They made our complex file very easy for us to understand and complete and were always available and responsive when we had questions. I would highly recommend James and his team and we look forward to working with them again!read more

keith moore
keith moore
16:33 17 Dec 20

Scott Nazareth is hands down the man you want to work with! he has exceptional capabilities in searching for your specific needs.we worked well as a team & his quick action & foresight saved me from certain doom. if you are in need of assistance , Mortgages.ca is your very best bet. Ask for Scott Nazareth & you wont be disappointed!read more

Paul Darvasi
Paul Darvasi
17:14 15 Dec 20

We worked with Scott Nazareth at Mortgages.ca and could not be happier with his unyielding support. We had a complicated inter-provincial sale that threw a lot of curves, but Scott was always there to help resolve the issue, calm our nerves and get us to where we had to be. Throughout, Scott was genuine, open-minded, sympathetic, pleasant and always responsive and available. We could not ask for more, and we feel very fortunate to have had Scott batting for us.read more

Rashid Idrees
Rashid Idrees
23:46 13 Dec 20

Thank you so much Scott Nazareth for the helpful mortgage services, Regards.read more

Kowsar Zadeh
Kowsar Zadeh
22:02 13 Dec 20

We had a very positive experience with Scott in buying our first time home. Scott is patient and responsive and can handle any complicated situation. I would absolutely recommend him without reservations.read more

Matt Dolan
Matt Dolan
21:24 09 Dec 20

Scott has been our mortgage broker for the past 3 years! We recently just bought our second house and he was AMAZING. He went above and beyond answering questions and our concerns. Made it a smooth and easy transition in a stressful time. Would highly recommend Scott to anyone looking for a mortgage broker! He’s the best!read more

Naveed Aslam
Naveed Aslam
22:22 04 Dec 20

10 Things you have to do when need Morgage Approval . You just have to do only 1 ( that is call to Scott ) , other 9 Scott will handle. Super taking care and solution provider.read more

Taleen Dakran
Taleen Dakran
19:00 02 Dec 20

Absolute pleasure to work with James and his team. You guys are very thorough, professional and very much appreciate taking the time to explain the process. Truly a gem of a team who helped turn 2020 around in the midst of a pandemic. Highly recommended!!!read more

Dustin Anstey
Dustin Anstey
19:43 30 Nov 20

James and his team are the absolute best. I had so many questions but they were super patient and always made sure I felt comfortable with every step of the process. I’m so happy in my new home and I have mortgages.ca to thank!read more

Brenna Whyte
Brenna Whyte
17:56 25 Nov 20

James and his team at Mortgages.ca are the best in the business. They are extremely responsive, professional and knowledgeable. James always takes the time to explain any questions and makes sure his clients are getting the best mortgage products available. During the pandemic, it was very easy to work virtually with James. It was a seamless process. Can’t recommend enough.read more

Jared Mercer
Jared Mercer
16:21 25 Nov 20

Scott really helped me through some difficult times buying/selling in 2020. What a year! Thanks Scott.read more

NAAD Legacy
NAAD Legacy
20:28 19 Nov 20

To my biggest surprise, my first time buyer experience was very smooth. I was expecting many challenges, misunderstandings and complication but i was served with key details, great value and care about my biggest purchase! Best recommendation I have had in my adult life.read more

Devesh Gupta
Devesh Gupta
14:36 14 Nov 20

I have used services from Mortgages.ca twice now. James and his team had provided excellent service each time and helped get the best mortgage rate possible. They are very profession and responsive. I would recommend them to everyone who is looking for a new mortgage.Thank you James and Zayna for your all help throughout this process.read more

Yvonne Gomez
Yvonne Gomez
13:08 12 Nov 20

Scott Nazareth has been amazing Mortgage Broker in assisting the right mortgage deal for our home. He absolutely went above and beyond all our expectations to answer any questions we might have. I take great pleasure in recommending him to anyone who needs a broker.read more

Miguel Araujo
Miguel Araujo
22:53 11 Nov 20

James Harrison and his team can make anything happen! He is very professional and made me feel like his priority. I highly reccomend Mortgages.caread more

Zoe Pinsky
Zoe Pinsky
16:01 29 Oct 20

This is the first review, I have ever submitted. I am a seasoned home owner who is so grateful to have found Vernon Bovell from mortgages.ca! Vernon worked tirelessly to secure a great mortgage for me when other brokers could not. As well as his perseverance, Vernon was continuously responsive to every correspondence that came his way. If you’re hoping to work with someone who is extremely kind, professional and very knowledgeable please contact Vernon Bovell, you’ll be very relieved to work with someone of his caliber.Zoe Pinskyread more

Anastasia M-G
Anastasia M-G
01:40 27 Oct 20

Mortgages.ca team helped me through my mortgage and loan goals. James and his team were knowledgeable, professional, and extremely responsive in communications. The rates that they were able to secure for me were by far the best on the market. I highly value James’s knowledge and financial advises that gave me a peace of mind and a sense of security in my financial goals. I am grateful for James’s & Co guidance throughout the process, making it a breeze from the beginning to the end. I found my mortgage broker for life!read more

Dam Ade
Dam Ade
15:13 26 Oct 20

James is really good at what he does. We had a unique situation so our mortgage required expert review. After hitting brick walls with a few lenders, we contracted James at mortgages.ca. The folks at mortgages.ca were really there for us in terms of advising and allowing us to get the right mortgage that fit our situation. I’d certainly recommend.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

Jason Cowan
Jason Cowan

18:10 12 Dec 13

I went with Mortgages dot ca for my mortgage. My rate was 2.89 for 3 years, which was the best rate I could find. James was my mortgage broker and he was excellent — always quick to respond to any questions and also worked through the weekend with me to make sure we had everything submitted on time for Monday. There was a delay on TD banks’ end that caused my closing to be delayed but James contacted the VP of the bank to help get my application approved quicker. Once I secured my rate I was expecting to handed off to the bank for my application (not sure if this is standard) but instead James collected all the paper work from the bank and filled in some of it for me, circled the areas for signature etc. so it was an easy process for me. I will probably use James for my next mortgage if the rates are still competitive.read more

Next Reviews

Homepage

How Long Does It Take To Get The Approval Back From The Lender?

get the approval back

One of the most common questions we receive after a mortgage application has been submitted is, “how long will it take to get the approval back?”

When it comes to how long it will take to get the approval back, the following factors play a role:

  • The standard timeline that particular lender uses to process a mortgage application
  • The type of mortgage being applied for and the property you are seeking financing for
  • The application and documentation you have submitted to the lender

The timeline to get an approval can be anywhere from a few hours to a few days. This is only if the mortgage application and documentation is in order.

The last thing you want to do is find your dream home and then have to worry about getting your mortgage application approved.  This is why getting a mortgage pre-approval before you start your house hunting is so important. Allowing the hiccups and speed bumps during the application process are handled well in advance of you purchasing a home.

Getting Pre-approved

Few of us have the money to go out and buy a house without some sort of financing. So most people will need to get a mortgage. Getting pre-approved for a mortgage is the best way to find out the absolute maximum amount you can afford for a home. No one should have to tell you that taking out the maximum is not a good idea. But it does give you a good idea of what you can and cannot afford.

Pre-approval involves some simple calculations that figure out the ratio between how much you earn and how much debt you will have with a mortgage on the property. Once a lender knows that you can manage the debt easily with what you earn. They will supply you a letter of pre-approval, which normally guarantees an interest rate for 60 to 120 days.

No one likes to wait to find out whether they have approval, but you can speed up the process by getting your paperwork together for the application. Here are some of the basics you should bring with you when you are making application:

Photo identification:

Law requires this to protect your identity and privacy.

Proof of Income:

If you have an employer, bring along your most recent T-4 slip or income tax return. You can also get a letter from your employer on letterhead that states how long you have worked for them and your salary. If you are self-employed you will need to bring the income tax returns and your business’ financial statements for the past two years.

Proof of Assets:

If you have GICs, stocks, bonds, other properties or vehicles, bring along the paperwork that shows their current value.

Proof of Liabilities:

The lender will want to see how much you owe to credit card companies, on loans, lines of credit and any other monthly obligation you may have such as child support and alimony.

Account Numbers:

You will need to record the account numbers of any investments and bank accounts that you are part of your assets.

Proof of Down Payment:

If you are getting money from a family member as a gift, you will need a letter from the gift-giver. Also, this letter will need to state the money is not a loan and repayment is not required.

Lawyer Information:

If you don’t have one, you will need one. Ask your realtor or family for a recommendation and bring their name, address, and telephone number with you.

Providing all this information at the time of application will certainly save you the time and frustration of going back and forth between lenders many times. Thus, with all the documentation in place it may only take a few hours, but typically you can expect an answer in 24 to 48 hours. Naturally, this depends on who you are working with for the pre-approval. Certified mortgage professionals know the procedure well and are there for you. Many of the major banks who are just out for a profit. Book an appointment today and start the buying process the proper way. Therefore, utilizing one of our professionals will go a long way to get the approval back from the lender in a timely manner.

Have a question about the mortgage application process. Or how long it will take to get the approval back for your mortgage? Contact us today and speak to one of our mortgage professionals.

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

Jo-Ann Phillips
Jo-Ann Phillips
20:38 19 Jan 21

Everyone at Mortgages.ca goes over the top! James finds the most remarkable deals (I mean who knew, right?). Then they follow-up on every detail, track every thread right down to the last signature! Great problem solvers too. And they’re fabulous people! Warm hearted, kind, generous – and everybody needs more of that. Recommended them to several people and I’ll continue to do that – made miracles happen for me and my referrals. You’re very lucky indeed if you’ve decided to work with them. My discerning Banker’s eyes went wide when she saw the rates and the deal they got me – and THAT’S an endorsement,read more

Britt G
Britt G
21:47 15 Jan 21

This was our second time using Steve and we cannot say enough about him. He was so helpful, knowledgeable and always quick to respond. He made buying our forever house just as easy as the first time we bought a condo. Would highly recommend!read more

Mathieu
Mathieu
16:36 15 Jan 21

Steve was extremely helpful and professional through the entire process of refinancing our mortgage. I can’t recommend him enough. He’ll fight to get the best product for you and will consistently make himself available to meet your needs. While we had difficulty with some of our other service providers during the recent refinance, I could consistently count on Steve’s advice and solid service throughout the process, and that was very reassuring.read more

sairam srinivas
sairam srinivas
01:08 15 Jan 21

Steve made our home buying experience a walk in the park. Being a first time home buyer, I had a lot of questions that would come to me at different times through the home buying process, but Steve was there to hand hold me and answer all my questions patiently through texts or calls. I would recommend Steve to anyone who would want to buy a home.read more

Jason Buckland
Jason Buckland
00:28 15 Jan 21

Ask for Steve Harrison, because this guy is tremendous. Steve played for us equal parts mortgage broker, financial advisor, consultant, cheerleader, therapist … you name it. He took two totally green home buyers, my wife and I, and held our hand through the entire process—obviously, securing a killer mortgage at a great rate, but also leaving us floored by his knowledge, his savvy, and frankly his total patience and candor through every last detail and every point large or small.The best review of a mortgage broker may be that you’d recommend them to others. Not only will we be doing that, but Steve has secured lifetime clients in us, as well.read more

Marina Parejo
Marina Parejo
15:30 14 Jan 21

From the purchase of our first home, to our mortgage renewals and additional products, Steve Harrison has been an incredible support system. He is always prompt with responses (no matter the time or day of the week) and is thorough in not only giving us an answer, but working to help us understand the products and the impact of our decisions. I have recommended Steve to friends and family, and will continue to recommend his work and expertise to my network. Thanks Steve, it’s been a pleasure working with you!read more

olis meedolson
olis meedolson
15:15 14 Jan 21

As a first time home buyer, Steve Harrison made my move and the whole process of buying a place so easy. He was very responsive, professional and knowledgeable regarding any questions i had. I would recommend Steve and Mortgage Architects Brokerage to anyone looking to buy a home. Fantastic service! Thank you so much!!read more

Jonathan Foster
Jonathan Foster
22:38 13 Jan 21

The most important item in working with a mortgage broker is TRUST. If you were to know me, it is a huge achievement that I state “I blindly trust James with all my mortgage decisions and in handling the mortgage decisions for all of my family members and friends”.James has proven himself time and again in going the extra mile to ensure our questions are answered clearly and in a way that we fully understand. He ensures our best interests are at the forefront of every decision. Thankyou James, and to your team, for always taking care of our family. You have a client for life!!!!read more

Michelle Y
Michelle Y
00:10 08 Jan 21

James Harrison and his team are absolutely incredible. James and Mayra were so helpful, responsive and understanding throughout the whole process, and their expertise gave me a huge amount of reassurance as a first time homebuyer. I am convinced that James worked some miracles for me and I would recommend his services to everyone.read more

Jesse Zimmer
Jesse Zimmer
15:17 07 Jan 21

As a first time buyer, I wasn’t sure what I was getting myself into. Scott from Mortgages.ca helped me through every step and was there anytime I had a question. My realtor was very impressed with his dedication to the deal and professionalism. I would highly recommend Scott for any mortgage needs.read more

Tan Ly
Tan Ly
22:17 06 Jan 21

As a first time home buyer, James and Mayra made the mortgage process really easy for us. They were very quick in responding to my many questions. James was also very patient during my home search when I would send him different listings to get an idea of what our maximum bids would be. Completing the mortgage paperwork was also not an issue as Mayra was very helpful in guiding us through the process. I highly recommend Mortages.ca to anyone!read more

Adam H
Adam H
14:15 06 Jan 21

I used mortgages.ca as a first time home buyer . James and his team were responsive and very helpful throughout the entire process. Every situation is unique and James and his team worked with us to collect all information required from the lender. There was 0 hiccups or issues throughout this process that made my first home buyer experience very stress free.read more

Daniela DeGasperis
Daniela DeGasperis
21:02 05 Jan 21

James and his team at Mortgages.ca have been wonderful to work with. Because of James, I was able to seamlessly purchase properties, in a structure that best suited me and my interests. This is incredibly valuable to me. I would highly recommend the team at Mortgages.caread more

Peter Iannuzzi
Peter Iannuzzi
18:56 05 Jan 21

I would like to thank James and the team especially Mayra for their professionalism and help in making this process seamless and actually enjoyable. I would highly recommend them to anyone looking to refinance or obtain a new mortgage.thanks again.read more

Gregory Jackson
Gregory Jackson
18:19 21 Dec 20

James and his team were very enjoyable to work with and exceeded our expectations. They made our complex file very easy for us to understand and complete and were always available and responsive when we had questions. I would highly recommend James and his team and we look forward to working with them again!read more

keith moore
keith moore
16:33 17 Dec 20

Scott Nazareth is hands down the man you want to work with! he has exceptional capabilities in searching for your specific needs.we worked well as a team & his quick action & foresight saved me from certain doom. if you are in need of assistance , Mortgages.ca is your very best bet. Ask for Scott Nazareth & you wont be disappointed!read more

Paul Darvasi
Paul Darvasi
17:14 15 Dec 20

We worked with Scott Nazareth at Mortgages.ca and could not be happier with his unyielding support. We had a complicated inter-provincial sale that threw a lot of curves, but Scott was always there to help resolve the issue, calm our nerves and get us to where we had to be. Throughout, Scott was genuine, open-minded, sympathetic, pleasant and always responsive and available. We could not ask for more, and we feel very fortunate to have had Scott batting for us.read more

Rashid Idrees
Rashid Idrees
23:46 13 Dec 20

Thank you so much Scott Nazareth for the helpful mortgage services, Regards.read more

Kowsar Zadeh
Kowsar Zadeh
22:02 13 Dec 20

We had a very positive experience with Scott in buying our first time home. Scott is patient and responsive and can handle any complicated situation. I would absolutely recommend him without reservations.read more

Matt Dolan
Matt Dolan
21:24 09 Dec 20

Scott has been our mortgage broker for the past 3 years! We recently just bought our second house and he was AMAZING. He went above and beyond answering questions and our concerns. Made it a smooth and easy transition in a stressful time. Would highly recommend Scott to anyone looking for a mortgage broker! He’s the best!read more

Naveed Aslam
Naveed Aslam
22:22 04 Dec 20

10 Things you have to do when need Morgage Approval . You just have to do only 1 ( that is call to Scott ) , other 9 Scott will handle. Super taking care and solution provider.read more

Taleen Dakran
Taleen Dakran
19:00 02 Dec 20

Absolute pleasure to work with James and his team. You guys are very thorough, professional and very much appreciate taking the time to explain the process. Truly a gem of a team who helped turn 2020 around in the midst of a pandemic. Highly recommended!!!read more

Dustin Anstey
Dustin Anstey
19:43 30 Nov 20

James and his team are the absolute best. I had so many questions but they were super patient and always made sure I felt comfortable with every step of the process. I’m so happy in my new home and I have mortgages.ca to thank!read more

Brenna Whyte
Brenna Whyte
17:56 25 Nov 20

James and his team at Mortgages.ca are the best in the business. They are extremely responsive, professional and knowledgeable. James always takes the time to explain any questions and makes sure his clients are getting the best mortgage products available. During the pandemic, it was very easy to work virtually with James. It was a seamless process. Can’t recommend enough.read more

Jared Mercer
Jared Mercer
16:21 25 Nov 20

Scott really helped me through some difficult times buying/selling in 2020. What a year! Thanks Scott.read more

NAAD Legacy
NAAD Legacy
20:28 19 Nov 20

To my biggest surprise, my first time buyer experience was very smooth. I was expecting many challenges, misunderstandings and complication but i was served with key details, great value and care about my biggest purchase! Best recommendation I have had in my adult life.read more

Devesh Gupta
Devesh Gupta
14:36 14 Nov 20

I have used services from Mortgages.ca twice now. James and his team had provided excellent service each time and helped get the best mortgage rate possible. They are very profession and responsive. I would recommend them to everyone who is looking for a new mortgage.Thank you James and Zayna for your all help throughout this process.read more

Yvonne Gomez
Yvonne Gomez
13:08 12 Nov 20

Scott Nazareth has been amazing Mortgage Broker in assisting the right mortgage deal for our home. He absolutely went above and beyond all our expectations to answer any questions we might have. I take great pleasure in recommending him to anyone who needs a broker.read more

Miguel Araujo
Miguel Araujo
22:53 11 Nov 20

James Harrison and his team can make anything happen! He is very professional and made me feel like his priority. I highly reccomend Mortgages.caread more

Zoe Pinsky
Zoe Pinsky
16:01 29 Oct 20

This is the first review, I have ever submitted. I am a seasoned home owner who is so grateful to have found Vernon Bovell from mortgages.ca! Vernon worked tirelessly to secure a great mortgage for me when other brokers could not. As well as his perseverance, Vernon was continuously responsive to every correspondence that came his way. If you’re hoping to work with someone who is extremely kind, professional and very knowledgeable please contact Vernon Bovell, you’ll be very relieved to work with someone of his caliber.Zoe Pinskyread more

Anastasia M-G
Anastasia M-G
01:40 27 Oct 20

Mortgages.ca team helped me through my mortgage and loan goals. James and his team were knowledgeable, professional, and extremely responsive in communications. The rates that they were able to secure for me were by far the best on the market. I highly value James’s knowledge and financial advises that gave me a peace of mind and a sense of security in my financial goals. I am grateful for James’s & Co guidance throughout the process, making it a breeze from the beginning to the end. I found my mortgage broker for life!read more

Dam Ade
Dam Ade
15:13 26 Oct 20

James is really good at what he does. We had a unique situation so our mortgage required expert review. After hitting brick walls with a few lenders, we contracted James at mortgages.ca. The folks at mortgages.ca were really there for us in terms of advising and allowing us to get the right mortgage that fit our situation. I’d certainly recommend.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

Jason Cowan
Jason Cowan

18:10 12 Dec 13

I went with Mortgages dot ca for my mortgage. My rate was 2.89 for 3 years, which was the best rate I could find. James was my mortgage broker and he was excellent — always quick to respond to any questions and also worked through the weekend with me to make sure we had everything submitted on time for Monday. There was a delay on TD banks’ end that caused my closing to be delayed but James contacted the VP of the bank to help get my application approved quicker. Once I secured my rate I was expecting to handed off to the bank for my application (not sure if this is standard) but instead James collected all the paper work from the bank and filled in some of it for me, circled the areas for signature etc. so it was an easy process for me. I will probably use James for my next mortgage if the rates are still competitive.read more

Next Reviews