Information alone is not enough. A professional mortgage broker has something far more valuable: years of experience and your needs in mind. They put the information in context, they anticipate the variables and find the best loan for you. This is the kind of help you don't want to be without.
Have a mortgage renewing within the next 120 days? DO NOT sign your current lenders renewal sheet without taking 5 minutes to call us, that 5 minutes could save you thousands if not tens of thousands of dollars.
Use the equity in your home to get a secured line of credit today and do away with high interest lines of credit! With a Home Equity Line of Credit or HELOC, equity can be released to be used for any purpose.
If you are thinking of buying property, your first step is to get Pre-Approved. This allows you to find out exactly what you can afford given your income, credit and downpayment.
CASH BACK MORTGAGE
With a Cash-Back mortgage, the consumer would receive up to 5% cash back towards their down payment and closing costs.
Since April 19th 2010, Canadian are required to have at least a 20% down payment on a rental property purchase. Fixed, Variable and Adjustable Rate Mortgages Permitted, Up to 80% LTV for a 1-4 unit Rental Property.
NEW TO CANADA FINANCING
Qualified homebuyers who have immigrated or relocated to Canada within the last 5 years are eligible under Genworth's New to Canada program to purchase a property with as little as a 5% downpayment.
PURCHASE PLUS IMPROVEMENTS
This is a wonderful product that allows you to add extra value to your home immediately. Whether you want a new roof, new hardwood floors, a new bathroom, new kitchen or anything that will increase the overall value of your home.
Whether it's a second home in the city to reduce that weekly commute, or a cottage at the lake for weekend getaways. With our Vacation Home Program, Canadians can now purchase a second home with an affordable monthly payment with 5% down payment.
"Dare to compare with Canada's award winning mortgage team. We work for you and not the banks so we always have your best interests in mind."
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!
Steve & Zayna were incredibly helpful and supportive through the whole process. Highly recommend!
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.
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.
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
Paul Moscuzza (WooFerPPK)
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 :)
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.
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 him
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.
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
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.
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.
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.
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!!
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
i just want to share this testimony with you friends, because am so happy now , finally i just got my loan from Flora LOAN HELPER... if you are in any need of any kind of loan you can contact them now on email: (email@example.com) or whatsapp +17816707813
Amazing people who work their hardest to get you the best rate possible. Great communication and always prompt when responding! Overall great experience!
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.
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.
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.
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
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!
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
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
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.
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
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!
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.
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.
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 !
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
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!
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.
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!!
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
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!
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!
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
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!!
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 recommended
James and his assistant Mayra did a great job on our mortgage! They were very honest about what I could afford and responded at all times of the day and night to questions I had. To top it all off he got me a great rate and even sent a gift basket to congratulate me on my new home.Would definitely recommend!
I will highly recommend James Harrison and his team Scott Nazareth @ mortgage.ca.Scott handled all our paper work . He was very professional and patient and answered all are queries and explained everything detailed . With all the follow work and his patience We felt very comfortable working with him. He closed our deal so smoothly and we are very happy that we choose the right brokerage company. Wishing him and his team all the good luck for future.
The professionalism and quality relationships we had during our experience was made so much better by the involvement of our broker and his dedication to our needs and goals. We were shown compassion and understanding that made the stresses of buying a house a little less stressful. Our dreams were met and we couldn’t be happier with our experience with Mortgages.ca and Our guy Vern Bovell. We are only here because of you.ThanksEric and Lisa
James and team were excellent with my first mortgage and subsequent refinancing. Very responsive and clear answers to what may be basic questions from first time buyers, highly recommend and will use James again in the future.
I've dealt with Steve for my initial mortgage (4 years ago) and again when I went to re-finance recently and Steve & his team were always willing to explore a variety of options and to accommodate our timelines, preferences and schedules and particular made navigating the complexities of a re-financing during the virtual environment as seamless as possible. I would definitely recommend Steve & team, and will likely go to him again in the future.
Great experience- professional and super pleasant to deal with! Highly recommend.
Both James and Zayna were incredibly helpful with this process, walking us through everything and spending the time to make sure our decision was the right one. As first time home buyers it made this big step so much more enjoyable knowing we were in good hands. Would highly recommend their services.
Working with James and his team was a dream! James was extremely responsive to our (many!) questions and gave us great advice. Most importantly, he found us a great mortgage that made it possible for us to buy our dream home. We would highly recommend working with James if you get the chance.
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!
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.
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!
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.
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.
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
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
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.