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."
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James and his Mortgages Architects Brokerage team at Mortgages.ca went above and beyond to serve us during one of the more stressful, impactful events of our lives. He secured us a mortgage at a better rate than we were offered directly by competing banks. He was also available well outside normal business day working hours by responding to our emails in the evening and on weekends. He was even able to deal with a last-minute crisis that had the potential to prevent our... home purchase from finalizing.In all, we could not have asked for better service or diligence. We confidently give James and his team a five-star review and a our unquestionable recommendation for providing rare excellence in service.read more
Steve and his team were excellent! Amazing service and a greaf resource. Always happy to take a call when we were unsure about something. Made the experience less stressful.
I was referred to James by a friend. A great recommendation by my friend and realtor. James helped us out and was very patient as we didn’t have the most straight forward application. Very responsive and clear. Highly recommended!
This was my first time dealing with Privateloansforbadcredit. and my experience was easy and non-stress on my loan process because my loan ($117,000 USD ) was deposited into my bank account within 2 hours If you’re looking for a place to get a loan simply email or text her phone number. E-mail: Privateloansforbadcredit@outlook.com Text +1 (213)-260-0702
Working with James and his team was a great experience. I would recommend him to my friends and family. Job well done.
This is the second time my wife and I used the services of James Harrison (and Mayra). Again, James worked his magic and everything worked out with our house mortgage. James knows his trade very well. We have no hesitation to recommend Mortgages.ca to anyone. Bart and Alice
Being the first time home buyers is always overwhelming. James helped us walk through the complete process and got us our mortgage approved. James and Myra were really thorough with our application and made sure all the documents were in place. This led to smooth approval of our mortgage. I would definitely recommend James and his team if you are looking for a mortgage.
James was amazing. Answered all questions, got us a great rate, and helped us work through some rather complex financing. He knows his stuff and will be working with him in the future as well.
Working with Steve was an amazing experience as a first time buyer. I felt like I learned something new through each interaction and was educated on commonly misunderstood nuances regarding mortgages. Steve was available anytime I had questions, thoroughly explained all the fine print and any watch outs/considerations, and successfully helped me secure my first place.I'd recommend Steve and mortgages.ca any day! Can't thank you enough!
Working with James has been nothing short of superb experience. He is professional, efficient, responds promptly, and no question is too small.James arranged a bridging loan when I purchased my new condo before selling my old condo. Subsequently, he arranged a refinance and ported all my favourable terms from the HELOC on my old condo, including 5-yr variable interest on mortgage, LOC at prime + 0% and reimbursement of prepayment penalty.To me, it makes sense to work... with a mortgage broker than directly with the bank. The bank personnel lack the same experience. And especially if it is James!read more
Scott and Adam we absolutely amazing with assisting us renew our mortgage! This is our first renewal and I was confused with the process. On our time (as we have a new baby) they were able to schedule calls when we were free and thoroughly explain everything to us. They really looked out for our best interest!Would HIGHLY recommend!Thank you Scott & Adam!
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James and his team were terrific to work with - super responsive, knowledgeable and flexible. They helped me complete an unexpectedly quick purchase/mortgage application with very little stress. Special shout out to Zayna who was incredibly patient. Will definitely work with them again.
I worked with Steve for our first mortgage in 2020 and the process was quick and painless. I reached out to him when I needed to buy out my ex this spring. My scenario is slightly unusual and we learned that it wasn't possible for me to work with a broker on the mortgage I needed. When I found out I didn't get approved through Steve's bank connections he immediately sent my file to two of his close contacts directly at the bank level. One called me within a few hours,... assured me I would be approved, and I was (within a week). It was an emotionally trying time for me, going through a separation and refinancing my home on my own and Steve was so calming and helpful throughout the process, and even though the specifics of my requirements made it impossible for him to finalize the mortgage with me, he was able to connect me with a great solution so I could keep my home. When my approval came through, he even sent me a congratulatory text! Overall it was an excellent experience :)read more
James and his team helped us all the way with our first home purchase. They were very knowledgeable and guided us all through the way including getting a better deal than we had from a Major Canadian bank. James and Mayra were both very responsive and answered all our questions promptly. I highly recommend them to anyone
James Harrison and his team helped us as first time buyers to secure a mortgage at a challenging time, in February and March 2022. He was a knowledgeable and helpful guide, responding to our questions often within the hour. He secured us a good mortgage deal for the lovely downtown condo that is now our home. Very happy!
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I was incredibly grateful for James and his team of professionals at Mortgages.ca. Buying my first home was overwhelming, and seemingly confusing process. Once I was connected with James, he made the mortgage process incredibly simple and stress free. I never felt silly asking what I'm sure to him were very basic question about mortgages, and all my concerns were always addressed fully. James was very quick to respond and always available to my agent and I while house... hunting. Thanks for making this such a smooth process James!read more
We worked with James and his team twice to get our mortgages for our first home purchase and our current one. They always have a can do attitude, very helpful and always take the time to explain your options and with them you can just rest assured you are getting the best rates in the market, and with all the things you worry about when buying a new home, getting your mortgage is one less thing to worry about! Highly recommended!
James and his team were professional, helpful, and positive from start to finish, and were instrumental in helping us navigate the increasingly complicated world of mortgage financing for our first home. They struck the right balance between giving us choices, and breaking it down to support us with all of the information and data we needed to make those choices informed. Very strongly recommended!
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.read more
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Amazing people, excellent work!
I have been working with Scott (& Adam recently) for over 4 years now for all my mortgage and real estate financial needs. When I was looking for a mortgage agent first time around, my basic requirement was to look for a reliable partner that I can trust, someone who can deliver on time and can act on urgencies if/when arises. Scott always goes above and beyond for any of my request and ensures that everything runs smoothly. Scott presents me with current situations, the... ask, available options and recommends based upon his expertise to which I felt are signs of what I am looking for.Thank you Scott, Adam and Mortgages.ca for flawless experience all the time.read more
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James has been our mortgage broker for over ten years helping us buy and renew mortgages for two properties. James and his team are the best!
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I met James in 2019 and discussed my plan about buying a home. Unfortunately soon after that the pandemic started and my plans fizzled. In the 3rd quarter of 2021, I re-engaged with Mortgages.ca. James was going on vacation and so my case was handled to Scott. To my surprise, not only the info about my case was properly handed over, every minute detail I had discussed with James reached Scott and he took over exactly where James left. This not only shows the efficient work... culture in the team but also made me think that how well was I heard by the team who preserved all the small details through 2 years. Not only did Scott give me the best mortgage rates, clarifications on each of my queries, proper justifications, excellent advices from time to time, he also took great care of my changed circumstances without letting it impact on the original promise. It was a breeze working with Scott because of his unparalleled professional commitment, excellent knowledge and very effective customer-centric dealing approach. I highly recommend Mortgages.ca to anybody who is interested in availing the best mortgage rates in Ontario through hassle-free and speedy professional service. Thanks Scott for all your help.read more
We worked with James and Zayna on getting our first mortgage. They were very patient with us and answered dozens of emails and hours of phone calls of questions. I was apprehensive going into the whole deal and very confident coming out, I'm very glad I found them.
I have used Mortgages.ca for both my mortgages and both times Scott has exceeded my expectations. Scott & Adam were absolutely fantastic this past time in securing me a great rate and putting my mind at ease in the process. They were able to navigate and mitigate complex issues with cross boarder signing and made the process as smooth as possible. Outstanding work by them both, I will certainly be recommending to friends + family and utilizing Mortgages.ca in future as well.
James and his team are excellent to work with. They're very knowledgeable and worked hard to find us the best rate for our mortgage. They're friendly, highly responsive, and efficient. I fully intend to continue working with James and the Mortgages.ca team for any future financing needs, and recommend them to my friends all the time.
Steve Harrison helped me purchase my first home. He was an outstanding mortgage broker and we closed within one month of working together due to his outstanding customer service and superior knowledge of the real estate market. Highly recommend :)
We found Steve when we were shopping for our first mortgage 5 years ago. He not only got us a lower rate than we expected, but it was with a reputable lender. When it was time to renew, we thought we'd give him another try. He didn't disappoint, and again negotiated a rate that was better than we could find advertised anywhere online. Beyond that, he was always professional and went out of his way to answer our questions. He was able to speak with us at times that were... convenient, and we couldn't have expected better service. See you in another 5 years, Steve!read more
We have enjoyed working with Steve Harrison at Mortgates.ca on two consecutive mortgages. He has been a great partner to us. He is knowledgeable, responsive, and works hard to get the best results for his clients. Thank you Steve!
James and his team were a pleasure to work with. They were professional, knowledgeable and very efficient.
I wouldn’t go anywhere else
I was very happy with the services provided by Scott. He communicated all through and really explained the details of my mortgage as a first time home buyer. Gladly recommend them.
James and Mayra are an amazing team! James is very knowledgeable and takes the time to explain every step of the process in a way anyone could understand. Mayra goes above and beyond, is an absolute gem. Without Mayra we would have been lost. I highly recommend James & Mayra for anyone looking for a new broker!
Matt from Mortgages.ca has deservedly built a reputation as THE industry expert on all things related to mortgage pre-payment penalties. I reached out to him for assistance with one of my clients and he generously gave me all his time and knowledge to help me come up with the best strategy for my client. Thank you Matt!
James and Mayra were incredibly responsive. They helped us with a refinance on a current property and a mortgage for a new property... back-to-back. Given all the pieces that were in motion we were very happy with the services they provided. Thank you James and Mayra!-Eva and Brian
We were very happy with the services and advice we got from James. The process of getting our mortgage for the purchase of our home couldn’t have been any easier! James and his team were always willing to take our calls and answer any of our questions (which is good because we had a lot!)As first time home buyers, we felt very taken care of. Would definitely recommend working with the team for your mortgage needs!
Thank you so much James. It was an absolute pleasure working with you for the purchase of my home. 10 stars!
Excellent service, quality, and the best rates! I would recommend James and his team over any other any day. Keep it up James!!
I am amazed at the speed with which James secured a bridging loan at an unbelievable 2.7% interest rate. James is to the point; extremely knowledgeable about all aspects of financing and readily available to discuss any issues. With Mayra working behind the scenes to ensure that all the details are tended to in a timely fashion. We have particularly appreciated her regular updates on activities. Together an amazing “can do” team who are deserving of their Google description... as the best mortgage brokerage in Toronto.read more
James was extremely helpful from the very beginning of our home search, his guidance and the final work to obtain a great mortgage made our house hunting experience a breeze in these very unpredictable times.A special mention of Zayna who was very patient and thorough in helping us get all the paper work together!Our family will go them James again any time and highly recommend his and his team to all our friends and family.
We received great advice from Steve and the whole process was very easy.
James and Zayna were fantastic to work with!! They were so helpful in guiding us through our first home purchase and were very patient with all of our questions. I strongly suggest using Mortgages.ca and look forward to working with them through this mortgage and beyond!Kate & Pat.
I initially got a mortgage broker with my bank who was very complicated to understand and difficult to work with. I randomly and luckily fell on James Harrison at Mortgages.ca, and he was phenomenal. He was extremely easy to work with, provided the info that I needed, and answered all the questions that I had.On top of the mentioned things I said, he was also able to get me a much better mortgage rate and price then what the mortgage advisor at the bank was offering... me.When I need another mortgage I'll for sure be going back to James!read more
I can't say more about James Harrison and the Mortgages.ca team. I've been working with James since entering into the housing market in 2009, and just completed our 3 transaction with him. He provides you with all options, offering his opinion and finding one that works for your unique circumstance. He's very responsive and generally a great person to know.
James and his team helped us through the process of securing our first mortgage. No issues and he was always happy to answer questions and explain our options. Also sent a very nice housewarming basket!
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James was so helpful and patient. He took time to explain everything I needed to know and provided me with a number of different options. He was quick to respond and worked through each scenario that was brought forward to him logically and skillfully.
Scott was absolutely fantastic in helping us arrange for our mortgage. The processes were clear and well explained and he took his time to understand us and our needs. He walked with us every step of the way and took extra efforts to ensure that all the required documentation were well presented to the bank. This was an entirely stress free process and in the future we will definitely use Scott’s services!
Steve was incredibly helpful…again! We’ve gone to Steve 3 times in the last 10 years (new and renewal) and he has delivered the best product on the market each and every time. He has a wealth of experience, knows the industry very well, and was always quick to answer my calls or emails. Definitely recommend reaching out to Steve for your next mortgage!
We have used Steve for 2 mortgages and a re-financing so far and it is always a pleasure working with him. He is easy to get a hold of, super knowledgeable, reassuring and kind. His focus is always to provide the best option for his clients. Highly recommended! Thanks again for all your help Steve!
Incredibly helpful, responsive, an knowledgable for first time homebuyers/mortgage seekers. 10/10 would recommend!
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.