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DISCOVER YOUR PATH TO FINANCIAL FLEXIBILITY

Mortgages.ca Programs

Mortgages.ca is a Toronto-based team of top performing mortgage brokers. They work with home buyers and major lenders to find their clients perfectly matched mortgage products.

Explore our diverse range of mortgage programs tailored to your financial goals. From first-time homebuyers to refinancing options, we're here to guide you through every step of your homeownership journey.

Non Resident Lending

There are 2 main options for Non-resident lending: US non resident lending  Non-resident lending (outside of North America)  Other items to consider: Reach out to the seasoned pros at Mortgages.ca who can help you determine what you qualify for under non resident lending guidelines 🙂 ***Please note – there is currently a Foreign buyer ban… View Article

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Flex Down

Saving for a down payment is often the hardest part of buying a home.  Did you know that there is a program that would allow you to borrow the down payment in order to get into your new home sooner than you may have thought. The Flex Down program allows you to use borrowed funds… View Article

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Private Lending

Private lending is a catch-all term used to describe individual investors OR mortgage investment corporations providing financing for real estate. Sometimes referred to as a lender of last resort or a great short term solution. Private lending can be an effective tool depending on the circumstances. In some cases, where the financing is specialized or… View Article

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Purchase Plus Improvements

Add Value Now – this is a great product to update and add value – its not a product for a total gut job, as the work you do has to be done within 90-180 days (depending on the lender)  When you buy a home people may have plans to do work – but getting… View Article

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New to Canada Financing

Highlights: Typically, for an applicant to be considered “New to Canada” they have immigrated to Canada within the last five years. The reason for this distinction is, within the first 5 years of being in Canada you will have limited credit history. When a bank is reviewing your application, standard underwriting guidelines for credit and… View Article

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Investment Properties

Buying an investment property is a popular option for Canadians looking at different ways to invest their money. Let’s explore how you could buy an investment property yourself. Investment property mortgages The first thing you need to consider is the number of units your building will have. Most buildings with 1-4 units are zoned residential,… View Article

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Vacation/Secondary Homes Program

Believe it or not, Canadians can buy a vacation or secondary home with as little as 5% down payment.  Let us explore how to make your dreams come true with owning your very own Cottage or Vacation home. There are two main categories with respect to secondary homes, Type A and Type B. Let’s explore… View Article

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H.E.L.O.C.

If you want to have a stand-alone home line of credit the max you can have = 65% (loan to value) For example:  $1,000,000 home (or appraised value) = $800,000 max  $150,000 mortgage term (anything you like ie: fixed/variable/3yr/5yr with 25-30yr am etc)  $650,000 home line of credit  = $800,000 total  or  $650,000 home line… View Article

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Mortgage Renewal

Consider your financial needs and goals: If you’re carrying unsecured or secured debts, this juncture is ideal for refinancing to consolidate them into a single, low-cost option. This move not only facilitates debt repayment but also can translate into significant interest savings and increased monthly cash flow. Assessing your plan’s viability is paramount, particularly in… View Article

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Cash Back Mortgage

Promotions  Cash Back Mortgages Speaking with your mortgage broker to assess your financial goals and needs can help determine your eligibility for a seasonal promotion or whether a cash-back mortgage suits you.

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Self-employed – Using corporate income: 

This is an amazing “secret” program for those who are self employed and who own their own company.  Those who strategically leave more of their company earnings in the business.   If you have a successful corporation that earns great income and has great NET INCOME AFTER TAX – this could be how you buy your… View Article

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New Doctor Program

NEW Doctor Mortgages This is a great program that allows borrower qualification to be based on the use of future (projected) income for medical professionals who are in the process of completing or have recently completed their residency/fellowship within the last 36 months.  Borrower Qualifications  Eligible Loan Purposes  Maximum Loan to Value:  Amortization Documentation Requirements … View Article

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"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."

James Harrison, President

Hear from our happy clients

  • James and Mayra are two of the most hard working and dedicated people I’ve encountered in my experiences home buying. This was our third time buying, and our first time working with them, and what a difference it has made working with professionals that really know how to get things done! I have never felt better supported and taken care of in such a stressful time. James worked diligently to get us what we needed to feel secure in our mortgage and made magic happen; Mayra held our hand through it all and walked us through the complicated/messy parts. HANDS DOWN best service there is. I will be working with them for all of my home buying needs moving forward, you’d be foolish not to.

    Kaitlynn Ramadani

  • Worked with Steve Harrison to secure the mortgage for our condo, and cannot recommend him enough. As first time home buyers, we were very new to the process and had tons of questions. Steve and his team were knowledgeable, friendly, prompt, and always reachable. They went above and beyond in walking us through the process, and were there for us at each step of the process. Plus, they got us a very competitive rate, much better than we were getting when we contacted the banks ourselves.

    Julian Torres Santeli

  • Outstanding experience working with Steve and team. Their expertise and guidance were invaluable throughout the process. Steve took the time to explain all the options available to me and helped me find the best mortgage solution. He secured a highly competitive interest rate for me. Mayra’s responsiveness and efficiency were impressive, ensuring a smooth application process. I highly recommend them for their professionalism, knowledge, and commitment to their clients’ best interests.

    Rajesh Ranjan

  • Steve not only got me a great mortgage, he told me about all the great extras included, awesome!

    Austin Taylor

  • James and Zayna were extremely helpful in finding the right mortgage for me. It was my first time going through the mortgage process but James was extremely helpful and patient. Can’t say enough good things about my experience with Mortgages.ca and James, and would recommend to anyone who needs a mortgage broker.

    Ben S

  • Mortgages.ca checks all the boxes. HIGHLY recommended! 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.

    Dave Gussin

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Some questions answered

  • What does Mortgages.ca do?

    Mortgages.Ca is an award winning group of mortgage professionals. We provide unbiased mortgage financing advice and tailored solutions for borrowers based on their individual needs and circumstances. We don’t work for the banks, we work for you and in most cases our services are completely free!

  • What’s the advantage of working with a broker?

    Working with a mortgage broker provides a consumer the greatest level of choice and unbiased options when compared to working with an individual bank. Our interests are aligned, as a small business our goal is to save you money for the life of your mortgage. Our experienced and high producing agents have the best lender relationships in the business to get you the best product and terms you qualify for. We work with over 30 lenders and receive volume discounts which are passed on to you as the consumer!

  • How do mortgage brokers get paid?

    In most cases, we are provided a finders fee from the mortgage lender you select. The lender compensates us for facilitating the mortgage and choosing them. For complicated cases there may be additional costs, our core operating principle is transparency so feel free to reach out to your mortgage broker and ask up front :)

  • Should I shop around for different mortgage brokers?

    It's important for you to trust and feel comfortable with whoever you decide to work with. Creating multiple mortgage applications with different brokers can have a negative impact on your credit score and qualifying. If you would like to interview one of our brokers to see if we are the right fit, we are more than happy to chat with you :)


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