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Mirela Antonescu
Mirela Antonescu
15:56 26 Oct 21

I worked with James and Mayra for my mortgage re-financing and I was impressed with the attention to details and responsiveness! They are also very nice making you comfortable with the otherwise stressful process. The product I got was better than expected. I highly recommend them!read more

Anjali Chawla
Anjali Chawla
13:26 26 Oct 21

James and his team were incredible to work with. They were extremely professional and knowledgeable, and guided us through all the steps of getting our first mortgage. James is a true expert in his field and I highly recommend him. Be assured that he will go above and beyond for your needs and do so in a professional, timely and calm manner.read more

Konstantin Borschiov
Konstantin Borschiov
22:58 21 Oct 21

Second time getting a mortgage with Steve, worked out great.read more

Ramin Mafi
Ramin Mafi
05:07 21 Oct 21

Few years back, we started looking for a good mortgage rate. Being first time home buyers plus rather short closing date added to our stress, but we were lucky to work with James at Mortgages.ca. James was confident and was able to offer us a good deal in a couple of days. Zayna, who helped us with the application process was super nice and responsive and made this process as smooth as possible. We recently sold that property and purchased a new house. James and Zayna were fantastic as before and we repeated our positive experience again.read more

Elaine De Marzo-Robins
Elaine De Marzo-Robins
15:24 12 Oct 21

Update 12-Oct-21: Once again I leveraged the expertise of James Harrison and his team at Mortgage Architects (mortgages.ca) for my latest real estate transaction and everything went super smoothly! They simplify the entire process, which, as we know, can get super complex. I am comforted knowing that I have the best team to support me through the deal. They are superstars in their field and best of all they are very responsive so you are apprised of the status at all times. I have high standards and they always exceed them. Thanks again James, Zayna and mortgages.ca team for another great experience!James Harrison and his team at Mortgage Architects (mortgages.ca) embodies the modern brokerage firm you need to help you with the biggest transaction of your life. Their speed, responsiveness, professionalism, accuracy and customer-centricity strengthen their unique value proposition against other competitors. From my first interaction with James, to the closing process with Zayna, I can confidently say that their team is the very best. Thank you for a great experience, you’ve earned a client for life!read more

William Soraine
William Soraine
20:32 28 Sep 21

James and Zayna were great to work with. Engaged their services twice, within a span of 3 years – which in itself is a testament of their quality of service. Professional, very quick to respond and follow up (if you forget any items that are outstanding on your side). Highly recommended!read more

Danielle Prior
Danielle Prior
13:24 28 Sep 21

I worked with Steve when I got my mortgage a few years ago and then again just recently for a refinance. He is great! He is always quick to respond to any of my emails and he always takes the time to answer all my questions and really explain the process. He definitely goes above and beyond! I highly recommend Steve! 🙂read more

Stephanie Radcliffe
Stephanie Radcliffe
13:21 28 Sep 21

Steve is fantastic. He went above and beyond, answering all of our questions and securing us a great rate. We went with a big bank for our first mortgage but I will always go with a broker from now on.read more

Chaitanya Mukkamala
Chaitanya Mukkamala
14:18 23 Sep 21

As a first time home buyer and a newcomer to Canada, Scott Nazareth was very patient and helpful in explaining the process and hand holding us on every step of the process. He was very quick in responding to our queries and would give us a detailed explanation whenever we needed help. Thanks for making the process easy for us, Scott. We will definitely come back to Mortgages.ca and Scott for any future mortgage needs.read more

Alan B
Alan B
00:41 15 Sep 21

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

Michael Mooney
Michael Mooney
23:46 14 Sep 21

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

Majid Rismankar
Majid Rismankar
14:17 14 Sep 21

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

Francine Darroch
Francine Darroch
14:29 10 Sep 21

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

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

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

Christine Crawford
Christine Crawford
18:11 05 Sep 21

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

Ryan Gilroy
Ryan Gilroy
16:59 03 Sep 21

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

Jeff Campbell
Jeff Campbell
13:32 02 Sep 21

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

Sachin Hingoo
Sachin Hingoo
13:21 02 Sep 21

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

Kevin Colacci
Kevin Colacci
00:05 01 Sep 21

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

Steve Truong
Steve Truong
16:09 25 Aug 21

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

David Chu
David Chu
18:25 23 Aug 21

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

John Devaney
John Devaney
13:08 23 Aug 21

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

Dan Maragno
Dan Maragno
20:35 17 Aug 21

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

Sharif Ad
Sharif Ad
21:15 13 Aug 21

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

Jason Murray
Jason Murray
20:15 28 Jul 21

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

Joshua Acheson
Joshua Acheson
14:38 28 Jul 21

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

Mary Plasko
Mary Plasko
13:31 24 Jul 21

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

Dariusz
Dariusz
14:26 16 Jul 21

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

Andrew McGirr
Andrew McGirr
15:24 14 Jul 21

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

Holly Stallan
Holly Stallan
23:45 08 Jul 21

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

Daniel Alonzo
Daniel Alonzo
17:30 08 Jul 21

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

Pedro Silva
Pedro Silva
04:02 07 Jul 21

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

Nathan Kruger
Nathan Kruger
15:01 03 Jul 21

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

Rahul Ajani
Rahul Ajani
13:27 30 Jun 21

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

Kathleen Bellehumeur
Kathleen Bellehumeur
21:11 18 Jun 21

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

Jonathan Grottoli
Jonathan Grottoli
21:45 14 Jun 21

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

Neil Upshall
Neil Upshall
17:41 14 Jun 21

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

Natalie Kasparian
Natalie Kasparian
16:48 11 Jun 21

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

Lisa Marriott
Lisa Marriott
16:21 11 Jun 21

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

Anna Shpilevskaya
Anna Shpilevskaya
14:25 11 Jun 21

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

Ryan Wykes
Ryan Wykes
13:38 11 Jun 21

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

Trudy T
Trudy T
17:13 01 Jun 21

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

Lauren Pelley
Lauren Pelley
03:00 01 Jun 21

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

Tara Wood
Tara Wood
17:01 30 May 21

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

Patrick Stein
Patrick Stein
15:29 27 May 21

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

Adam Mascherin
Adam Mascherin
14:33 27 May 21

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

Andrew Moody
Andrew Moody
13:41 27 May 21

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

rahman atta
rahman atta
15:13 26 May 21

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

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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Recent Posts

Mortgage Education

How Much Does An Appraisal Cost And Who Pays For It?

 

appraisal costYou may have heard of the term “appraisal” but you may not what it is specifically and when you might need it when buying a home. On top of that, home appraisals do not come for free so it’s a good idea to find out if the appraisal cost will be coming out of your pocket, or not.

What is a Home Appraisal

An appraisal is an estimate of the value of a home you want to buy or a home you already own. There are a few different reasons to call for an appraisal but primarily done at the request of a lender. Lenders want a reasonable idea of the value of a property in the current market before they are willing to lend against the home. Appraisals are sometimes done when and owner needs mortgage insurance too as it is required by the Department of Finance and mortgage insurance companies such as CMHC and Genworth

Who Pays For The Home Appraisal

Although lenders request most appraisals, the borrower pays the appraisal cost. The lender is actually ordering the appraisal on the borrower’s behalf to protect the buyers too. Sure, the lender doesn’t want to lend on a poor investment, but you sure don’t want to buy one either. Many first-time homebuyers also get appraisals done on their own. Why order an appraisal for yourself?

First off, appraisals ordered by the lender are their property and they do not share the report with you. The lender is the client, not you. However, when you order the appraisal yourself the appraiser works for you and you have access to all the information. They can also do a lot of things to help you. A good appraiser can help you to establish a reasonable sale price, check that your property taxes are reasonable, and help you figure out whether renting your property is more beneficial to you instead of selling. Should you decide to rent out your property you will also have the current market value for tax purposes in writing.

Home Appraisal Costs

Appraisal costs do vary so shop around. Most home appraisals start around $350 plus HST but they can go above $500 plus tax. Despite the fee, an appraisal is one way to check out the value of your investment. Costs depend on complexity and how easily the appraiser can access comparable data.

There are three basic approaches to appraisals. The first method uses comparison of your property to others that have sold, didn’t sell and are for sale now on the market. Another method involves calculating how much it would cost to reproduce the property, less amounts for wear and tear over the years. Finally, appraisers may use a strictly mathematical approach to calculate possible income on the property. By far, the comparative method is the most common and so the least expensive.

Be sure to use a Canadian Residential Appraiser who is governed by the Appraisers Institute of Canada. CRA members are qualified to offer valuation and consulting services and expertise for individual, undeveloped residential dwelling sites and dwellings containing not more than four self-contained family housing units.

Have questions about home appraisal cost and buying a home for the first time?  Contact us today to speak to a mortgage professional and learn all of your options and how you can save thousands on your next home purchase.

Mirela Antonescu
Mirela Antonescu
15:56 26 Oct 21

I worked with James and Mayra for my mortgage re-financing and I was impressed with the attention to details and responsiveness! They are also very nice making you comfortable with the otherwise stressful process. The product I got was better than expected. I highly recommend them!read more

Anjali Chawla
Anjali Chawla
13:26 26 Oct 21

James and his team were incredible to work with. They were extremely professional and knowledgeable, and guided us through all the steps of getting our first mortgage. James is a true expert in his field and I highly recommend him. Be assured that he will go above and beyond for your needs and do so in a professional, timely and calm manner.read more

Konstantin Borschiov
Konstantin Borschiov
22:58 21 Oct 21

Second time getting a mortgage with Steve, worked out great.read more

Ramin Mafi
Ramin Mafi
05:07 21 Oct 21

Few years back, we started looking for a good mortgage rate. Being first time home buyers plus rather short closing date added to our stress, but we were lucky to work with James at Mortgages.ca. James was confident and was able to offer us a good deal in a couple of days. Zayna, who helped us with the application process was super nice and responsive and made this process as smooth as possible. We recently sold that property and purchased a new house. James and Zayna were fantastic as before and we repeated our positive experience again.read more

Elaine De Marzo-Robins
Elaine De Marzo-Robins
15:24 12 Oct 21

Update 12-Oct-21: Once again I leveraged the expertise of James Harrison and his team at Mortgage Architects (mortgages.ca) for my latest real estate transaction and everything went super smoothly! They simplify the entire process, which, as we know, can get super complex. I am comforted knowing that I have the best team to support me through the deal. They are superstars in their field and best of all they are very responsive so you are apprised of the status at all times. I have high standards and they always exceed them. Thanks again James, Zayna and mortgages.ca team for another great experience!James Harrison and his team at Mortgage Architects (mortgages.ca) embodies the modern brokerage firm you need to help you with the biggest transaction of your life. Their speed, responsiveness, professionalism, accuracy and customer-centricity strengthen their unique value proposition against other competitors. From my first interaction with James, to the closing process with Zayna, I can confidently say that their team is the very best. Thank you for a great experience, you’ve earned a client for life!read more

William Soraine
William Soraine
20:32 28 Sep 21

James and Zayna were great to work with. Engaged their services twice, within a span of 3 years – which in itself is a testament of their quality of service. Professional, very quick to respond and follow up (if you forget any items that are outstanding on your side). Highly recommended!read more

Danielle Prior
Danielle Prior
13:24 28 Sep 21

I worked with Steve when I got my mortgage a few years ago and then again just recently for a refinance. He is great! He is always quick to respond to any of my emails and he always takes the time to answer all my questions and really explain the process. He definitely goes above and beyond! I highly recommend Steve! 🙂read more

Stephanie Radcliffe
Stephanie Radcliffe
13:21 28 Sep 21

Steve is fantastic. He went above and beyond, answering all of our questions and securing us a great rate. We went with a big bank for our first mortgage but I will always go with a broker from now on.read more

Chaitanya Mukkamala
Chaitanya Mukkamala
14:18 23 Sep 21

As a first time home buyer and a newcomer to Canada, Scott Nazareth was very patient and helpful in explaining the process and hand holding us on every step of the process. He was very quick in responding to our queries and would give us a detailed explanation whenever we needed help. Thanks for making the process easy for us, Scott. We will definitely come back to Mortgages.ca and Scott for any future mortgage needs.read more

Alan B
Alan B
00:41 15 Sep 21

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

Michael Mooney
Michael Mooney
23:46 14 Sep 21

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

Majid Rismankar
Majid Rismankar
14:17 14 Sep 21

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

Francine Darroch
Francine Darroch
14:29 10 Sep 21

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

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

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

Christine Crawford
Christine Crawford
18:11 05 Sep 21

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

Ryan Gilroy
Ryan Gilroy
16:59 03 Sep 21

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

Jeff Campbell
Jeff Campbell
13:32 02 Sep 21

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

Sachin Hingoo
Sachin Hingoo
13:21 02 Sep 21

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

Kevin Colacci
Kevin Colacci
00:05 01 Sep 21

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

Steve Truong
Steve Truong
16:09 25 Aug 21

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

David Chu
David Chu
18:25 23 Aug 21

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

John Devaney
John Devaney
13:08 23 Aug 21

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

Dan Maragno
Dan Maragno
20:35 17 Aug 21

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

Sharif Ad
Sharif Ad
21:15 13 Aug 21

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

Jason Murray
Jason Murray
20:15 28 Jul 21

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

Joshua Acheson
Joshua Acheson
14:38 28 Jul 21

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

Mary Plasko
Mary Plasko
13:31 24 Jul 21

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

Dariusz
Dariusz
14:26 16 Jul 21

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

Andrew McGirr
Andrew McGirr
15:24 14 Jul 21

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

Holly Stallan
Holly Stallan
23:45 08 Jul 21

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

Daniel Alonzo
Daniel Alonzo
17:30 08 Jul 21

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

Pedro Silva
Pedro Silva
04:02 07 Jul 21

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

Nathan Kruger
Nathan Kruger
15:01 03 Jul 21

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

Rahul Ajani
Rahul Ajani
13:27 30 Jun 21

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

Kathleen Bellehumeur
Kathleen Bellehumeur
21:11 18 Jun 21

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

Jonathan Grottoli
Jonathan Grottoli
21:45 14 Jun 21

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

Neil Upshall
Neil Upshall
17:41 14 Jun 21

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

Natalie Kasparian
Natalie Kasparian
16:48 11 Jun 21

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

Lisa Marriott
Lisa Marriott
16:21 11 Jun 21

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

Anna Shpilevskaya
Anna Shpilevskaya
14:25 11 Jun 21

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

Ryan Wykes
Ryan Wykes
13:38 11 Jun 21

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

Trudy T
Trudy T
17:13 01 Jun 21

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

Lauren Pelley
Lauren Pelley
03:00 01 Jun 21

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

Tara Wood
Tara Wood
17:01 30 May 21

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

Patrick Stein
Patrick Stein
15:29 27 May 21

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

Adam Mascherin
Adam Mascherin
14:33 27 May 21

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

Andrew Moody
Andrew Moody
13:41 27 May 21

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

rahman atta
rahman atta
15:13 26 May 21

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

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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