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Vicki Adderley
Vicki Adderley
16:52 20 Jan 21

Great experience! Kept us up to date and provided lots of information. Steve was wonderful to work with throughout the process!read more

Jo-Ann Phillips
Jo-Ann Phillips
20:38 19 Jan 21

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

Britt G
Britt G
21:47 15 Jan 21

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!read more

Mathieu
Mathieu
16:36 15 Jan 21

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

sairam srinivas
sairam srinivas
01:08 15 Jan 21

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

Jason Buckland
Jason Buckland
00:28 15 Jan 21

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

Marina Parejo
Marina Parejo
15:30 14 Jan 21

From the purchase of our first home, to our mortgage renewals and additional products, Steve Harrison has been an incredible support system. He is always prompt with responses (no matter the time or day of the week) and is thorough in not only giving us an answer, but working to help us understand the products and the impact of our decisions. I have recommended Steve to friends and family, and will continue to recommend his work and expertise to my network. Thanks Steve, it’s been a pleasure working with you!read more

olis meedolson
olis meedolson
15:15 14 Jan 21

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

Jonathan Foster
Jonathan Foster
22:38 13 Jan 21

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

Michelle Y
Michelle Y
00:10 08 Jan 21

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

Jesse Zimmer
Jesse Zimmer
15:17 07 Jan 21

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.read more

Tan Ly
Tan Ly
22:17 06 Jan 21

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

Adam H
Adam H
14:15 06 Jan 21

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

Daniela DeGasperis
Daniela DeGasperis
21:02 05 Jan 21

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.caread more

Peter Iannuzzi
Peter Iannuzzi
18:56 05 Jan 21

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.read more

Gregory Jackson
Gregory Jackson
18:19 21 Dec 20

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

keith moore
keith moore
16:33 17 Dec 20

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

Paul Darvasi
Paul Darvasi
17:14 15 Dec 20

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

Rashid Idrees
Rashid Idrees
23:46 13 Dec 20

Thank you so much Scott Nazareth for the helpful mortgage services, Regards.read more

Kowsar Zadeh
Kowsar Zadeh
22:02 13 Dec 20

We had a very positive experience with Scott in buying our first time home. Scott is patient and responsive and can handle any complicated situation. I would absolutely recommend him without reservations.read more

Matt Dolan
Matt Dolan
21:24 09 Dec 20

Scott has been our mortgage broker for the past 3 years! We recently just bought our second house and he was AMAZING. He went above and beyond answering questions and our concerns. Made it a smooth and easy transition in a stressful time. Would highly recommend Scott to anyone looking for a mortgage broker! He’s the best!read more

Naveed Aslam
Naveed Aslam
22:22 04 Dec 20

10 Things you have to do when need Morgage Approval . You just have to do only 1 ( that is call to Scott ) , other 9 Scott will handle. Super taking care and solution provider.read more

Taleen Dakran
Taleen Dakran
19:00 02 Dec 20

Absolute pleasure to work with James and his team. You guys are very thorough, professional and very much appreciate taking the time to explain the process. Truly a gem of a team who helped turn 2020 around in the midst of a pandemic. Highly recommended!!!read more

Dustin Anstey
Dustin Anstey
19:43 30 Nov 20

James and his team are the absolute best. I had so many questions but they were super patient and always made sure I felt comfortable with every step of the process. I’m so happy in my new home and I have mortgages.ca to thank!read more

Brenna Whyte
Brenna Whyte
17:56 25 Nov 20

James and his team at Mortgages.ca are the best in the business. They are extremely responsive, professional and knowledgeable. James always takes the time to explain any questions and makes sure his clients are getting the best mortgage products available. During the pandemic, it was very easy to work virtually with James. It was a seamless process. Can’t recommend enough.read more

Jared Mercer
Jared Mercer
16:21 25 Nov 20

Scott really helped me through some difficult times buying/selling in 2020. What a year! Thanks Scott.read more

NAAD Legacy
NAAD Legacy
20:28 19 Nov 20

To my biggest surprise, my first time buyer experience was very smooth. I was expecting many challenges, misunderstandings and complication but i was served with key details, great value and care about my biggest purchase! Best recommendation I have had in my adult life.read more

Devesh Gupta
Devesh Gupta
14:36 14 Nov 20

I have used services from Mortgages.ca twice now. James and his team had provided excellent service each time and helped get the best mortgage rate possible. They are very profession and responsive. I would recommend them to everyone who is looking for a new mortgage.Thank you James and Zayna for your all help throughout this process.read more

Yvonne Gomez
Yvonne Gomez
13:08 12 Nov 20

Scott Nazareth has been amazing Mortgage Broker in assisting the right mortgage deal for our home. He absolutely went above and beyond all our expectations to answer any questions we might have. I take great pleasure in recommending him to anyone who needs a broker.read more

Miguel Araujo
Miguel Araujo
22:53 11 Nov 20

James Harrison and his team can make anything happen! He is very professional and made me feel like his priority. I highly reccomend Mortgages.caread more

Zoe Pinsky
Zoe Pinsky
16:01 29 Oct 20

This is the first review, I have ever submitted. I am a seasoned home owner who is so grateful to have found Vernon Bovell from mortgages.ca! Vernon worked tirelessly to secure a great mortgage for me when other brokers could not. As well as his perseverance, Vernon was continuously responsive to every correspondence that came his way. If you’re hoping to work with someone who is extremely kind, professional and very knowledgeable please contact Vernon Bovell, you’ll be very relieved to work with someone of his caliber.Zoe Pinskyread more

Anastasia M-G
Anastasia M-G
01:40 27 Oct 20

Mortgages.ca team helped me through my mortgage and loan goals. James and his team were knowledgeable, professional, and extremely responsive in communications. The rates that they were able to secure for me were by far the best on the market. I highly value James’s knowledge and financial advises that gave me a peace of mind and a sense of security in my financial goals. I am grateful for James’s & Co guidance throughout the process, making it a breeze from the beginning to the end. I found my mortgage broker for life!read more

Dam Ade
Dam Ade
15:13 26 Oct 20

James is really good at what he does. We had a unique situation so our mortgage required expert review. After hitting brick walls with a few lenders, we contracted James at mortgages.ca. The folks at mortgages.ca were really there for us in terms of advising and allowing us to get the right mortgage that fit our situation. I’d certainly recommend.read more

chitra unnikrishnan
chitra unnikrishnan
12:20 26 Oct 20

Steve Harrison is an absolute pleasure to work with! He not only comes up with super creative options but also does it in the most calm and effective manner. Steve has helped us buy both the homes we own and we would recommend him in a heartbeat! Our recent home purchase involved some complicated financial constructs and Steve held our hand thru it like a pro and the outcome exceeded our expectations. Thanks so much for helping us find our dream home Steve!read more

Michael Trudeau
Michael Trudeau
12:31 16 Oct 20

Having moved numerous times through our life we admit that we have never had such a pleasant experience. Scott not only demonstrated professionalism through the process, his care and concern for our well-being has resulted in us actually considering him a good friend. It is without hesitation that we recommend him and know you will not be disappointed as you work together through your mortage process.read more

Dean Brunne
Dean Brunne
17:21 06 Oct 20

I had a great experience working with Mortgages.ca and James Harrison. As a self employed person there are many additional criteria involved and the CMHC was reluctant to insure. James persisted after receiving the denial of insurance. He raised an escalation and through his tenacity and dedication to the customer it was approved upon further review. This was above and beyond. He also was able to provide the best rate possible which even surprised me. He exceeded my expectations and was always looking out for his client. Great experience!read more

Carl Sykes
Carl Sykes
13:55 05 Oct 20

Steve and his staff worked very hard for the best rates during this difficult financial time. They listened to what we wanted to do and made it happen. Very effective and made it easy to work through.read more

Raj M
Raj M
12:47 23 Sep 20

Steve, James, Zayna and the entire team were amazing throughout. This was my first purchase and as expected there was a bit of anxiety. Steve walked me through the entire process and and answered all of my questions with patience and understanding. This is a very professional company that understands what is going through the minds of a home buyer and they make sure to give you clarity and information to put your mind at ease. Very highly recommended and I wish them all the best. Thank you again.read more

Jelena Vuckovic
Jelena Vuckovic
20:26 17 Sep 20

James and Stefania made every step of the process super easy!! As a first time home-buyer, I had very minimal knowledge on .. basically anything I had to do. They made my life so easy and they were extremely genuine and trustworthy. Everything was so quick and fast and James even responds when he is away (you don’t need to do this James but its appreciated!!) You can see how dedicated he is.read more

Robert Murray
Robert Murray
13:29 17 Sep 20

It’s a scary situation, looking for a mortgage. We were a bit overwhelmed. James and Zayna provided exactly the perfect combination of professionalism and caring that we needed. We so appreciate how they took the time to explain the details along the way. We trusted them and they surpassed our expectations for this process. We have bought several homes but this was, by far, our most stress-free experience of obtaining the right mortgage for us! We would happily recommend James and his team to anyone!read more

Roberta A
Roberta A
00:40 15 Sep 20

James and his team were really great throughout our first time home buying process. He walked us through everything step by step and was kind enough to really break things down for us and answer our many, many questions. Would highly recommend James and his team!read more

Jeff Cui
Jeff Cui
21:52 14 Sep 20

Excellent services by Steve and his staff.read more

Joel Macleod
Joel Macleod
14:55 14 Sep 20

As first time home buyers, James and Stefania were incredibly helpful, answering any and all questions we had, in language we understood. They also went above and beyond in terms of prompt responses and help during the erratic timelines of the offer and closing process. Aside from that, they got us a terrific product at a very competitive rate. They even updated our interest rate to a lower percentage before closing when one became available. A friend referred us to James and Mortgages.ca and we will be doing the same. Thanks James, Stefania and team!read more

Mark Caskenette
Mark Caskenette
14:41 14 Sep 20

James and his team provided excellent service throughout the process. They answered all questions in a timely manner, making sure that we were always informed and comfortable. That is on top of getting us the lowest rates we could find.read more

Kate B
Kate B
14:18 14 Sep 20

I am a first time homebuyer and didn’t know anything about the financing process. The team took really good care of me and helped me from beginning to end. Most importantly they were very responsive eliminating any concerns.Such a pleasure 🙂read more

andrew warren
andrew warren
14:08 14 Sep 20

James Harrison got me the Best Mortgage Rates TWICE Now! I’ll be working with James for the foreseeable future. Thanks James!read more

Elaine De Marzo-Robins
Elaine De Marzo-Robins
13:36 13 Sep 20

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

Jay LaRocque
Jay LaRocque
21:07 02 Sep 20

James and his team jumped through hoops to help us nail down attractive financing in short order after we made a spontaneous decision to move up the close on a house. Highly recommend Mortgages.ca!read more

Ann MacNaughton
Ann MacNaughton

15:43 16 Feb 18

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!
read more

Mustard Littl
Mustard Littl

16:26 14 Feb 18

Answer to trivia question: 2.7%

Amanda Rose
Amanda Rose

23:54 04 Sep 17

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.read more

Brad Scott
Brad Scott

03:08 15 Aug 17

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.read more

Melissa Trombetta
Melissa Trombetta

02:19 17 Feb 17

Excelente service. Steve did everything we needed to get what we needed. Very satisfiedread more

Andrew Smith
Andrew Smith

01:28 06 Jun 16

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

Barry Naymark
Barry Naymark

16:45 17 May 16

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

Joy Varrasso
Joy Varrasso

18:41 11 Jun 15

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!!read more

Diana Wright
Diana Wright

13:03 04 Dec 14

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

Sarah Makhomet
Sarah Makhomet

17:45 26 Nov 14

A great team of professionals!!!

Alyse Orsborn
Alyse Orsborn

20:48 28 May 14

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

Paul Francis
Paul Francis

16:31 29 Mar 14

Nothing but professionals here, looking forward to our next dealread more

Nicolas Wen Shea
Nicolas Wen Shea

13:44 25 Mar 14

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!read more

Lee Dipps
Lee Dipps

22:18 17 Mar 14

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

Jason Cowan
Jason Cowan

18:10 12 Dec 13

I went with Mortgages dot ca for my mortgage. My rate was 2.89 for 3 years, which was the best rate I could find. James was my mortgage broker and he was excellent — always quick to respond to any questions and also worked through the weekend with me to make sure we had everything submitted on time for Monday. There was a delay on TD banks’ end that caused my closing to be delayed but James contacted the VP of the bank to help get my application approved quicker. Once I secured my rate I was expecting to handed off to the bank for my application (not sure if this is standard) but instead James collected all the paper work from the bank and filled in some of it for me, circled the areas for signature etc. so it was an easy process for me. I will probably use James for my next mortgage if the rates are still competitive.read more

Next Reviews

Mortgage Education

Should I Refinance My Mortgage To Pay Off My Credit Cards?

 

Refinance my mortgageAre you drowning in credit card debt while you are sitting on a lot of equity? With credit card interest rates often pushing the 20% range, there is undoubtedly a temptation to refinance your home to pay off debt. Low mortgage rates make refinancing an attractive alternative.

If your mortgage is up for renewal and rates are lower anyway, paying off high-interest debts can have its benefits. Your credit score will jump up as the credit bureau considers payment in full a good sign that you are handling your credit well.

Like all decisions, you need to consider both sides of the argument. Certainly, you feel relief when you no longer need to avoid your credit card statements, but refinancing has other consequences. Consider these things if you are thinking of using your equity to ease credit card strain.

Less Equity

If you are contemplating using your home to pay off your credit cards, remember that your mortgage balance will increase. While you will be paying a far lower interest rate than with your credit cards, this means that you will have less equity if you decide to sell. Equity is the cash money that is available after you pay off your mortgage.

Repayment

Borrowing against your property is not free money. You still own the home so the loan is repayable. Even though interest rates are lower on a mortgage, you pay interest on the total amount that you borrow and your balance goes up. The result is higher payments.

For example, if your mortgage balance is $100,000 and the market value is $400,000, then you have $300,000 in equity to work with. If you decide to borrow $50,000 to pay off your credit card debt, you now have a $150,000 mortgage and only $250,000 in equity. Your mortgage payments will roughly be another half as much again as what you pay now. This situation is acceptable for those of you that can handle these higher payments.

Spending Habits

Using the equity in your home to pay off debt can certainly help you sleep better at night and give you a fresh start. The only problem is that if your spending habits do not change, you will be in the same situation again quickly. Then you face a higher mortgage balance and credit card debt again – double the debt.

Before resorting to refinancing to manage your debt, consider whether you have the self-control to manage your credit cards when they are at a zero balance again. If you are not willing to stop abusing your credit cards the situation will repeat itself. Perhaps credit counselling would be a good first step to help you curb your impulsive spending habits.

Real Estate Market

Equity measures the fair market value of your property against the balance owing on your mortgage. As we do not know what the real estate market is going to do, you can only guess whether borrowing against your equity is wise. Research into the current market is reasonable, but not an iron clad guaranty that your home will be worth as much as it is today.

If you borrow against your property, the possibility always exists that the market may drop and your home value with it. Some homeowners borrow so much against their equity that they end up owing more than their home is worth.

 Speak to a Professional To Get Your Options

Clearly, there are many factors to consider if you want to use your equity to pay off your credit card debt. Each individual’s financial situation is different and what is risky for one is acceptable for another. If you do decide that you want to take advantage of our lower mortgage rates, you can talk with one of our mortgage professionals today. We can help you find a product that suits your needs as they have access to many products and lenders.

Vicki Adderley
Vicki Adderley
16:52 20 Jan 21

Great experience! Kept us up to date and provided lots of information. Steve was wonderful to work with throughout the process!read more

Jo-Ann Phillips
Jo-Ann Phillips
20:38 19 Jan 21

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

Britt G
Britt G
21:47 15 Jan 21

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!read more

Mathieu
Mathieu
16:36 15 Jan 21

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

sairam srinivas
sairam srinivas
01:08 15 Jan 21

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

Jason Buckland
Jason Buckland
00:28 15 Jan 21

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

Marina Parejo
Marina Parejo
15:30 14 Jan 21

From the purchase of our first home, to our mortgage renewals and additional products, Steve Harrison has been an incredible support system. He is always prompt with responses (no matter the time or day of the week) and is thorough in not only giving us an answer, but working to help us understand the products and the impact of our decisions. I have recommended Steve to friends and family, and will continue to recommend his work and expertise to my network. Thanks Steve, it’s been a pleasure working with you!read more

olis meedolson
olis meedolson
15:15 14 Jan 21

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

Jonathan Foster
Jonathan Foster
22:38 13 Jan 21

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

Michelle Y
Michelle Y
00:10 08 Jan 21

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

Jesse Zimmer
Jesse Zimmer
15:17 07 Jan 21

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.read more

Tan Ly
Tan Ly
22:17 06 Jan 21

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

Adam H
Adam H
14:15 06 Jan 21

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

Daniela DeGasperis
Daniela DeGasperis
21:02 05 Jan 21

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.caread more

Peter Iannuzzi
Peter Iannuzzi
18:56 05 Jan 21

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.read more

Gregory Jackson
Gregory Jackson
18:19 21 Dec 20

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

keith moore
keith moore
16:33 17 Dec 20

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

Paul Darvasi
Paul Darvasi
17:14 15 Dec 20

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

Rashid Idrees
Rashid Idrees
23:46 13 Dec 20

Thank you so much Scott Nazareth for the helpful mortgage services, Regards.read more

Kowsar Zadeh
Kowsar Zadeh
22:02 13 Dec 20

We had a very positive experience with Scott in buying our first time home. Scott is patient and responsive and can handle any complicated situation. I would absolutely recommend him without reservations.read more

Matt Dolan
Matt Dolan
21:24 09 Dec 20

Scott has been our mortgage broker for the past 3 years! We recently just bought our second house and he was AMAZING. He went above and beyond answering questions and our concerns. Made it a smooth and easy transition in a stressful time. Would highly recommend Scott to anyone looking for a mortgage broker! He’s the best!read more

Naveed Aslam
Naveed Aslam
22:22 04 Dec 20

10 Things you have to do when need Morgage Approval . You just have to do only 1 ( that is call to Scott ) , other 9 Scott will handle. Super taking care and solution provider.read more

Taleen Dakran
Taleen Dakran
19:00 02 Dec 20

Absolute pleasure to work with James and his team. You guys are very thorough, professional and very much appreciate taking the time to explain the process. Truly a gem of a team who helped turn 2020 around in the midst of a pandemic. Highly recommended!!!read more

Dustin Anstey
Dustin Anstey
19:43 30 Nov 20

James and his team are the absolute best. I had so many questions but they were super patient and always made sure I felt comfortable with every step of the process. I’m so happy in my new home and I have mortgages.ca to thank!read more

Brenna Whyte
Brenna Whyte
17:56 25 Nov 20

James and his team at Mortgages.ca are the best in the business. They are extremely responsive, professional and knowledgeable. James always takes the time to explain any questions and makes sure his clients are getting the best mortgage products available. During the pandemic, it was very easy to work virtually with James. It was a seamless process. Can’t recommend enough.read more

Jared Mercer
Jared Mercer
16:21 25 Nov 20

Scott really helped me through some difficult times buying/selling in 2020. What a year! Thanks Scott.read more

NAAD Legacy
NAAD Legacy
20:28 19 Nov 20

To my biggest surprise, my first time buyer experience was very smooth. I was expecting many challenges, misunderstandings and complication but i was served with key details, great value and care about my biggest purchase! Best recommendation I have had in my adult life.read more

Devesh Gupta
Devesh Gupta
14:36 14 Nov 20

I have used services from Mortgages.ca twice now. James and his team had provided excellent service each time and helped get the best mortgage rate possible. They are very profession and responsive. I would recommend them to everyone who is looking for a new mortgage.Thank you James and Zayna for your all help throughout this process.read more

Yvonne Gomez
Yvonne Gomez
13:08 12 Nov 20

Scott Nazareth has been amazing Mortgage Broker in assisting the right mortgage deal for our home. He absolutely went above and beyond all our expectations to answer any questions we might have. I take great pleasure in recommending him to anyone who needs a broker.read more

Miguel Araujo
Miguel Araujo
22:53 11 Nov 20

James Harrison and his team can make anything happen! He is very professional and made me feel like his priority. I highly reccomend Mortgages.caread more

Zoe Pinsky
Zoe Pinsky
16:01 29 Oct 20

This is the first review, I have ever submitted. I am a seasoned home owner who is so grateful to have found Vernon Bovell from mortgages.ca! Vernon worked tirelessly to secure a great mortgage for me when other brokers could not. As well as his perseverance, Vernon was continuously responsive to every correspondence that came his way. If you’re hoping to work with someone who is extremely kind, professional and very knowledgeable please contact Vernon Bovell, you’ll be very relieved to work with someone of his caliber.Zoe Pinskyread more

Anastasia M-G
Anastasia M-G
01:40 27 Oct 20

Mortgages.ca team helped me through my mortgage and loan goals. James and his team were knowledgeable, professional, and extremely responsive in communications. The rates that they were able to secure for me were by far the best on the market. I highly value James’s knowledge and financial advises that gave me a peace of mind and a sense of security in my financial goals. I am grateful for James’s & Co guidance throughout the process, making it a breeze from the beginning to the end. I found my mortgage broker for life!read more

Dam Ade
Dam Ade
15:13 26 Oct 20

James is really good at what he does. We had a unique situation so our mortgage required expert review. After hitting brick walls with a few lenders, we contracted James at mortgages.ca. The folks at mortgages.ca were really there for us in terms of advising and allowing us to get the right mortgage that fit our situation. I’d certainly recommend.read more

chitra unnikrishnan
chitra unnikrishnan
12:20 26 Oct 20

Steve Harrison is an absolute pleasure to work with! He not only comes up with super creative options but also does it in the most calm and effective manner. Steve has helped us buy both the homes we own and we would recommend him in a heartbeat! Our recent home purchase involved some complicated financial constructs and Steve held our hand thru it like a pro and the outcome exceeded our expectations. Thanks so much for helping us find our dream home Steve!read more

Michael Trudeau
Michael Trudeau
12:31 16 Oct 20

Having moved numerous times through our life we admit that we have never had such a pleasant experience. Scott not only demonstrated professionalism through the process, his care and concern for our well-being has resulted in us actually considering him a good friend. It is without hesitation that we recommend him and know you will not be disappointed as you work together through your mortage process.read more

Dean Brunne
Dean Brunne
17:21 06 Oct 20

I had a great experience working with Mortgages.ca and James Harrison. As a self employed person there are many additional criteria involved and the CMHC was reluctant to insure. James persisted after receiving the denial of insurance. He raised an escalation and through his tenacity and dedication to the customer it was approved upon further review. This was above and beyond. He also was able to provide the best rate possible which even surprised me. He exceeded my expectations and was always looking out for his client. Great experience!read more

Carl Sykes
Carl Sykes
13:55 05 Oct 20

Steve and his staff worked very hard for the best rates during this difficult financial time. They listened to what we wanted to do and made it happen. Very effective and made it easy to work through.read more

Raj M
Raj M
12:47 23 Sep 20

Steve, James, Zayna and the entire team were amazing throughout. This was my first purchase and as expected there was a bit of anxiety. Steve walked me through the entire process and and answered all of my questions with patience and understanding. This is a very professional company that understands what is going through the minds of a home buyer and they make sure to give you clarity and information to put your mind at ease. Very highly recommended and I wish them all the best. Thank you again.read more

Jelena Vuckovic
Jelena Vuckovic
20:26 17 Sep 20

James and Stefania made every step of the process super easy!! As a first time home-buyer, I had very minimal knowledge on .. basically anything I had to do. They made my life so easy and they were extremely genuine and trustworthy. Everything was so quick and fast and James even responds when he is away (you don’t need to do this James but its appreciated!!) You can see how dedicated he is.read more

Robert Murray
Robert Murray
13:29 17 Sep 20

It’s a scary situation, looking for a mortgage. We were a bit overwhelmed. James and Zayna provided exactly the perfect combination of professionalism and caring that we needed. We so appreciate how they took the time to explain the details along the way. We trusted them and they surpassed our expectations for this process. We have bought several homes but this was, by far, our most stress-free experience of obtaining the right mortgage for us! We would happily recommend James and his team to anyone!read more

Roberta A
Roberta A
00:40 15 Sep 20

James and his team were really great throughout our first time home buying process. He walked us through everything step by step and was kind enough to really break things down for us and answer our many, many questions. Would highly recommend James and his team!read more

Jeff Cui
Jeff Cui
21:52 14 Sep 20

Excellent services by Steve and his staff.read more

Joel Macleod
Joel Macleod
14:55 14 Sep 20

As first time home buyers, James and Stefania were incredibly helpful, answering any and all questions we had, in language we understood. They also went above and beyond in terms of prompt responses and help during the erratic timelines of the offer and closing process. Aside from that, they got us a terrific product at a very competitive rate. They even updated our interest rate to a lower percentage before closing when one became available. A friend referred us to James and Mortgages.ca and we will be doing the same. Thanks James, Stefania and team!read more

Mark Caskenette
Mark Caskenette
14:41 14 Sep 20

James and his team provided excellent service throughout the process. They answered all questions in a timely manner, making sure that we were always informed and comfortable. That is on top of getting us the lowest rates we could find.read more

Kate B
Kate B
14:18 14 Sep 20

I am a first time homebuyer and didn’t know anything about the financing process. The team took really good care of me and helped me from beginning to end. Most importantly they were very responsive eliminating any concerns.Such a pleasure 🙂read more

andrew warren
andrew warren
14:08 14 Sep 20

James Harrison got me the Best Mortgage Rates TWICE Now! I’ll be working with James for the foreseeable future. Thanks James!read more

Elaine De Marzo-Robins
Elaine De Marzo-Robins
13:36 13 Sep 20

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

Jay LaRocque
Jay LaRocque
21:07 02 Sep 20

James and his team jumped through hoops to help us nail down attractive financing in short order after we made a spontaneous decision to move up the close on a house. Highly recommend Mortgages.ca!read more

Ann MacNaughton
Ann MacNaughton

15:43 16 Feb 18

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!
read more

Mustard Littl
Mustard Littl

16:26 14 Feb 18

Answer to trivia question: 2.7%

Amanda Rose
Amanda Rose

23:54 04 Sep 17

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.read more

Brad Scott
Brad Scott

03:08 15 Aug 17

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.read more

Melissa Trombetta
Melissa Trombetta

02:19 17 Feb 17

Excelente service. Steve did everything we needed to get what we needed. Very satisfiedread more

Andrew Smith
Andrew Smith

01:28 06 Jun 16

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

Barry Naymark
Barry Naymark

16:45 17 May 16

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

Joy Varrasso
Joy Varrasso

18:41 11 Jun 15

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!!read more

Diana Wright
Diana Wright

13:03 04 Dec 14

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

Sarah Makhomet
Sarah Makhomet

17:45 26 Nov 14

A great team of professionals!!!

Alyse Orsborn
Alyse Orsborn

20:48 28 May 14

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

Paul Francis
Paul Francis

16:31 29 Mar 14

Nothing but professionals here, looking forward to our next dealread more

Nicolas Wen Shea
Nicolas Wen Shea

13:44 25 Mar 14

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!read more

Lee Dipps
Lee Dipps

22:18 17 Mar 14

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

Jason Cowan
Jason Cowan

18:10 12 Dec 13

I went with Mortgages dot ca for my mortgage. My rate was 2.89 for 3 years, which was the best rate I could find. James was my mortgage broker and he was excellent — always quick to respond to any questions and also worked through the weekend with me to make sure we had everything submitted on time for Monday. There was a delay on TD banks’ end that caused my closing to be delayed but James contacted the VP of the bank to help get my application approved quicker. Once I secured my rate I was expecting to handed off to the bank for my application (not sure if this is standard) but instead James collected all the paper work from the bank and filled in some of it for me, circled the areas for signature etc. so it was an easy process for me. I will probably use James for my next mortgage if the rates are still competitive.read more

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