Sign In

It's as easy as:

STEP 1

Fill Out a Mortgage Application

STEP 2

Get Approved

STEP 3

Get Funding and Partner Perks

Participating Companies

Nexera
Legal Services
Nexera Law Group is a leading Real Estate Law Firm in Ontario whose focus is to make each client’s experience convenient and comfortable through innovative technology and a highly-experienced team of lawyers and law clerks.
You Move Me
Moving Services
You-Move-Me is a professional white glove moving company created to move more than just your boxes. They help you plan the day ahead of time, locate storage facilities, find enough of the right size boxes and even bring you coffee.
1-800-Got Junk
Junk Removal
1-800-Got-Junk: A full-service junk removal company that responsibly discards (or donates!) unwanted clutter from your home when you need it
Jiffy
Contractors
Jiffy: Use the Jiffy app to book an electrician, bbq cleaning, plumber, lawn care or anything else around the house, on-demand or on a date of your choosing. Jiffy takes the hassle out of home maintenance.
Zen Painters
Painting
ZenPainters: Professional Painters. Quality work at affordable rates.
Youngman Law
Professional Corporation
Raising the bar: Solid, simplified, and cost-effective legal advise

Testimonials

Worked w/James & team recently and had a great experience. Being new to this market, I was full of basic (& sometimes silly) questions and James/team were full of patience. They were very prompt in responding to my emails and phone calls. I've had a great experience and recommend their service to... anyone in need. Thanks again, James!read more
Himanshu Jog
Himanshu Jog
Steve was excellent to deal with and always made himself available to discuss any questions or concerns. The whole mortgage process felt very seamless and pain free.2021 Update: Steve was once again an incredibly helpful resource and trusted advisor when guiding us through the steps required for... the mortgage application process.read more
Brian LeNguyen
Brian LeNguyen
We've been dealing with banks and their Mortgage "experts" our entire home ownership lives, and those relationships have always left us frustrated because we knew that we weren't getting the best mortgage deal for us. Working with Mortgages.ca, and James Harrison specifically, was a breath of fresh... air knowing that we had somebody working for our best interests! We now enjoy our properties much more knowing that we absolutely got the best rates, and deals that we could for our mortgages, along with getting to keep more of our money instead of the banks getting it. Not only that it was personalized care from start to finish, but they were extremely clear in what they needed from us every step of the way. My husband and I both agree that we will only work with Mortgages.ca going forward.read more
Shantelle Bisson
Shantelle Bisson
James and Mayra are a great team. Responsive, knowledgeable and easy to work with. James came up with and option that hadn't even crossed my mind. Just what you need.
L Hunter
L Hunter
Steve was incredible to deal with! At the last second we needed to make a substantial change to our mortgage. Steve jumped at the opportunity to help and worked late to get in contact with the bank. Without his overtime and critical problem solving we might have had to push our closing date. He... stayed calm and leaned on his relationships to make it happen. There aren't a lot of mortgage brokers or people from the bank who would ever give their time like that. My husband and I are very thankful and will continue to use Steve for everything in the future.read more
Shannon Blanshard
Shannon Blanshard
Scott & James,I just wanted to thank you for all your help this past year not only for my clients but for my own mortgage needs as well. In most cases many of the scenarios were challenging and I was able to rely not only on your professionalism but the personal service you always provide.I... greatly appreciate you always being able to get the job done (even through a worldwide pandemic), and leveraging the best rates through the multiple lenders you work with by creating a bespoke strategy for each client.Looking forward to sharing another successful year, thank you again.Jason - Royal LePageread more
Jason Wallace
Jason Wallace
No doubt the best brokerage! Everything was done in super fast timing, very responsive, excellent customer service and overall I would give them 10 stars if I could! Very professional! Highly recommend!
Natalia Lysenko
Natalia Lysenko
10/10 would recommend James to anyone looking for a broker. Straight forward and responsive with great results.
Landon Wildman
Landon Wildman
Another extraordinary experience working with Steve and Zayna. Steve helped us buy our first home in 2019 and we had such an exceptional experience we contacted him when considering a refinance and buying our first investment property. Steve went above and beyond, always happy to call and take his... time guiding us through every step and our countless questions. He even intervened when we had an issue with the appraiser and fought on our behalf to get our home reassessed resulting in our successful refinance. He was super supportive with our first rental property purchase and provided very helpful guidance on planning our investment path. We also referred my mom to her and because of Steve's amazing support, she finally felt confident enough to buy her first condo, a lifelong dream of hers. Needless to say he also got us all amazing rates! Steve treats you like a VIP no matter what you are buying and he happily has our highest recommendation. We look so forward to continuing our journey with him and refer all our family and friends with total confidence. It simply doesn't get better!read more
Eric Brewer
Eric Brewer
I had a great experience working with James and Mayra. They walked me through every step of the process and they took time to answer every question. Buying a home can be a cumbersome process but it was smooth sailing with this team and I highly recommend their expertise.
Antoinette M.
Antoinette M.
I had the pleasure of dealing with Scott Nazareth. He was clear and concise with what he wanted from me to deal with my refinancing. I highly recommend Mortgages.ca. Great job Scott!
Victor Carrajola
Victor Carrajola
My partner and I worked with Scott for a good chunk of the year that we were looking for a house. Although we went with one of our banks in the end for our mortgage, we were very impressed by Scott's knowledge, patience, and good nature. It was a pleasure working with him and I highly recommend his... services.read more
John Ananiadis
John Ananiadis
To sum it up quickly: Mortgages.ca checks all the boxes. HIGHLY recommended!The details:James, Mayra and the whole team spent a great deal of time with us not only on the phone but via email to help us to understand the current landscape, to explore all of our options, and to make an informed... decision regarding mortgage products with all of the pros and cons. James is not "coin-operated", meaning he's not focused exclusively on closing your deal and moving on to the next one; he truly cares about making sure you get the best product for your needs. They also went the extra mile and gave us money out of their own pocket to cover the difference between what was supposed to be our final payout from the financial institution we ended up choosing and what we actually received. I can't say enough about much we enjoyed working with this great company.read more
Dave Gussin
Dave Gussin
I worked with Scott to get a better rate than my current lender was offering on a refinance of my mortgage. Knowledgeable, quick to respond to emails, pleasant to work with. Would recommend mortgages.ca
Vladimir Rnjak
Vladimir Rnjak
James & Zayna from Mortgages.ca made our house-buying experiences very seamless. As first-time home buyers, they walked us through the entire process and made sure to keep us updated at every step. We really appreciated their quick response and transparency.
Aamna C
Aamna C
Steve at Mortgages.ca was an absolute key part of our successful house hunt. He took the time to make sure we fully understood our financing options, introduced us to options we were the best fit, and was with us every step of the way on the house purchase journey. He had exceptional turn around... time and took a genuine interest in making sure we got the best deal and mortgage possible. He was always a call or text away.read more
Matthew Ryan
Matthew Ryan
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
Neil Sookhoo
Neil Sookhoo
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.
Jack W
Jack W
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
Ai Vy Moeller
Ai Vy Moeller
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
Luis Varessis
Luis Varessis
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
Lynda Brewer
Lynda Brewer
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!
Scott Dwinnell
Scott Dwinnell
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 !
Cristina Mg
Cristina Mg
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!
Victoria Nanowski
Victoria Nanowski
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
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
Andrea Agro
Andrea Agro
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
Paula Parejo
Paula Parejo
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!!!
Courtney Grafton
Courtney Grafton
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!
Louis
Louis
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
Jarek Stache
Jarek Stache
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
Hawa Y. Mire
Hawa Y. Mire
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
Jon Lloyd
Jon Lloyd
Great experience! Kept us up to date and provided lots of information. Steve was wonderful to work with throughout the process!
Vicki Adderley
Vicki Adderley
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
Jo-Ann Phillips
Jo-Ann Phillips
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!
Britt G
Britt G
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
Mathieu
Mathieu
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
sairam srinivas
sairam srinivas
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
Jason Buckland
Jason Buckland
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
olis meedolson
olis meedolson
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
Jonathan Foster
Jonathan Foster
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
Michelle Y
Michelle Y
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.
Jesse Zimmer
Jesse Zimmer
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
Tan Ly
Tan Ly
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
Adam H
Adam H
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.ca
Daniela DeGasperis
Daniela DeGasperis
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.
Peter Iannuzzi
Peter Iannuzzi
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
Gregory Jackson
Gregory Jackson
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
keith moore
keith moore
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
Paul Darvasi
Paul Darvasi
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!
Answer to trivia question: 2.7%
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.
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.
Excelente service. Steve did everything we needed to get what we needed. Very satisfied
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
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
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!!
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
A great team of professionals!!!
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
Nothing but professionals here, looking forward to our next deal
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!
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

Ready to Apply for a Mortgage? Fill out our secure online application in minutes.