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."
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
Julian Torres Santeli
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.
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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!
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!
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.
Second time getting a mortgage with Steve, worked out great.
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
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
Elaine De Marzo-Robins
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!
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! :)
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.
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.
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.
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.